New to Microsoft Excel? Looking for a tip? How about a tip so mind-blowingly useful as to qualify as a magic trick? You're in luck. In this MS Excel tutorial from ExcelIsFun, the 355th installment in their series of digital spreadsheet magic tricks, you'll learn how to use VLOOKUP to create a mortgage calculator that can handle four different types of loans: begin annuity, end annuity, interest only and "other."