PLEASE HELP. I WILL GIVE THUMBS UP

Sasha got a 30 year fully amortizing FRM for $500,000 at 8%, with constant monthly payments. After 3 years of payments rates fall and he can get a 27-year FRM at 5%, but he must pay 7 points and $20000 in closing costs to get the new loan. Think of the refinancing decision as an investment for Sasha, he pays a fee now but saves money in the future in the form of lower payments. What is the IRR of the refinancing option for Sasha assuming he stays in the house for another 5 years (meaning he stays a total of 8 years)? (Enter the answer as percent rounded to two decimal points without the percent sign. For example, if you get 0.02567, enter 2.57) Said bought a house 5 years ago for $850,000 and took a 30 year FR-FA mortgage with 80% LTV at 4% interest rate (assume no fees). His house is now valued at $928,000. He has an option to do a cash-out refinancing with another 80% LTV loan (assume again no fees). How much cash can Said extract? (Write the answer as a positive number rounded to two decimal points. For example, if you get $450.7897, write 450.79) Layla took out a 30 year fixed rate mortgage with monthly payments for $550,000 at 6% interest. Five years later she has an option to refinance the remaining loan amount with a 25 year mortgage with monthly payments at a lower, 5% interest rate. Suppose that Layla's discount factor is 7%. What is the maximum amount that Layla is willing to pay in refinancing fees to make the refinancing worth it for her? (Write the answer as a positive number rounded to two decimal points. For example, if you get $450.7897, write 450.79)