5. Mortgages are more likely to be refinanced when A. interest rates are increasing B. interest rates are decreasing C. interest rates stay the same D. the Fed increases the fed funds rate target 6. Which of the following is not a reason for banks to use the Originate-to-Distribute (OTD) mortgage business model? A. Recover initial investment in mortgages faster B. Avoid bearing prepayment and default risks of mortgages C. Increase interest earned from lending mortgages D. Increase number of mortgages they are able to supply 7. Which of the following is a conventional mortgage? A. A mortgage issued by the Federal Housing Administration (FHA) B. A mortgage issued by the Veteran Administration (VA) C. A conforming mortgage D. A mortgage issued by the U.S. Department of Agriculture (USDA)