Using excel, prepare 2 mortgage amortization tables for loan of $300,000 with monthly pay down of principle and interest. The first for 30 year fixed rate and the second for a 15 year fixed rate. You should investigate at least 3 local banks and or credit unions for both their 15 and 30 year rates. Note each institution's rates plus any fees that the bank charges to facilitate the loans. Select the best rate that you find for each (15 & 30 year) and prepare your table - show your beginning balance and a column for all payments and a breakdown of each payment for principle and interest. Calculate the monthly payments and then total interest paid under each scenario. What are your observations? Which loan would you select and why?