Ari obtains a mortgage loan from Bayside Bank so that he can buy a house. The house costs $200,000. Ari makes a down payment of $20,000. Based on the amount of the price paid up front, Bayside will likely require Ari to

a. agree to a prepayment penalty clause.

b. pay all claims against the property.

c. obtain mortgage insurance.

d. record the mortgage loan.