Hello

This is my first post, and I have no idea whether or not my question will be answered.

So this is my question:

Ryan took out a 30 year mortgage for $160,000 at 9.8% interest compounded monthly. After he made 12 years of payments he decided to refinance the remaining loan for 25 years at 7.2% interest compounded monthly. What willl be the balance on their loan 5 years after the refinance?