14. In some cases, lenders require that borrowers obtain default insurance. The purpose of such insurance is to: A. Decrease the effective interest rate on the loan B. Increase the value of the underlying property C. Protect the borrower from defaulting on the loan D. Pro tect the lender from losses associated with borrower default on the loan 15. T appraisal has three. If the adjustment for a third bedroom is $5,000, the adjustment would be: he subject of an appraisal has only two bedrooms, but one of the comparables used in the A. a $5,000 increase to the comparable's selling price B. a $5,000 decrease to the comparable's selling price. C. a $5,000 increase to the subject's selling price D. a $5,000 decrease to the subject's selling price