Consider the following scenario: Monica and Brian are ready to purchase their first house and have found their dream home, which is valued at $300,000. After extensive research, they have concluded that their credit union is the best lender for a mortgage to purchase the home. Their credit union offers them a 15-year fixed-rate mortgage of 4.4% with a 20% down payment. For this discussion, your task is as follows: 1. Calculate the down payment, monthly payments, and total interest paid over 15 years for the credit union loan. 2. Make mortgage option and discuss the advantages and disadvantages of your mortgage option in comparison to the one offered by the credit union.