1)If a borrower would like to lower his/her monthly mortgage payments he/she can make a larger initial down payment.

Can someone explain if this is true or false with explanation, thank you so much

2)If you buy a home all of your mortgage payments you make will increase the value of your equity in the home by that same amount.

Can someone explain if this is true or false with explanation, thank you so much

3)Inflation reduces the real interest rate a borrower pays of the mortgage is a fixed rate mortgage.

Can someone explain if this is true or false with explanation, thank you so much

4)The APR or Annual Percentage Rate includes fees and points that a borrower must pay. This is why the APR is higher than the mortgage interest rate.

Can someone explain if this is true or false with explanation, thank you so much