12. (15 pts) Consider buying a new home. The selling price for the house is $375,000. You have enough money for a 15% down payment with the balance to be amortized at 6% compounded monthly for 30 years. a) (5 pts) What is the payment? b) (5 pts) How much interest is in the second payment? c) (5 pts) Ten years into the loan, you decide to pay off the mortgage. You are on your way to the bank to determine the total amount you will owe. You have not made the payment at the end of the tenth year yet. How much do you owe the bank