You are buying a house and trying to decide when you want to mortgage to mature. You are going to borrow $150,000. Your credit is good, so you will get the lowest rates available. You have two choices. You can finance for 20 years at an interest rate of 3.875% per year, or for 10 years with an interest rate of 3.125% per year. Set up a full amortization schedule for each of these options to help you make your decisions (so you will have two worksheet tabs in the file, one for the 20-year loan and one for the 10-year loan). In class, we used three methods to calculate the payment that is required each month. You must use two of these methods in the assignment (use a different method for each of the two loan tabs). On a third tab, calculate the extra principal payment needed each month if you take the 20-year loan but decide to pay it off in 10 years (so you owe nothing after 120 monthly payments). You can use either of the methods we used in class to calculate the extra principal. Please find each monthly compounded rate (effective rate) and use them on all three tabs