In December of $2020,$ Vinny purchased a $$499,000$ house in Goose Creek, SC with a $20\%$ down payment and financed the balance at an APR of $6\%$ for $15$ years. a$)$ Determine his monthly payment mortgage. b$)$ Vinny is interested to know how much of his first and second monthly payment goes toward the interest paid to the bank. c$)$ Vinny plans to apply for a home equity loan for renovating the master bathroom and kitchen. How much equity will he have in December $2030?$ d$)$ Write a short memo to Vinny and explain to him how you solved a$-$c$.$