Kathy plans to move to Maryland and take a job at McCormick as the Assistant Director of HR.She and her husband Stan plan to buy a house in Garrison, MD and their budget is $500,000.They have $100,000 for the down payment and McCormick will pay for closing costs.They are considering either a 30 year mortgage at 4.5% annual rate or a 15 year mortgage at 4%.Calculate the monthly payment for each.