Ben is planning to purchase a home. The purchase price is $150,000 and a 20% down payment is required. The interest rate is 4% and the first payment will take place on May 1. The term is for 30 years. Calculate Ben's monthly payment and create an amortization schedule for the first 3 years. You must use your financial calculator and you must show the keys used and the sequence, or no credit will be given.