"Considering the following information and using net benefit analysis, You have a loan with $100,000 balance and ten years remaining. You plan to hold the current or new loan for 5 years only and then pay off the balance. For the current loan, the interest rate is 7% and the monthly mortgage payment is $1,161. For the new loan, the interest rate is 5% and the monthly mortgage payment is $1,061. The cost of refinancing is $5,000. What is the net savings or loss (use a negative number if loss) of refinancing? Indicate to the nearest dollar."