When purchasing a home $,$ the standard loans available are for a $15-$year or $30-$year term. Suppose you are buying a home that costs $$816,000$ and need to decide whether to take out a loan for $15$ or $30$ years. In your response, discuss the different loan terms' pros and cons and why you would choose a particular term. Be sure to consider CURRENT interest rates, total interest paid, and monthly payments to make your decision.