Conventional home mortgage loans exceeding 80 percent of value generally require PMI. As a result, there are strong incentives for borrowers to put 20% down. However, in many cases, especially in the 2000s, it was difficult for some buyers to make a 20% down payment. As a result, mortgage lenders responded by creating what type of loans? Group of answer choices

Piggyback mortgages

Piggyback Home equity loans

Reverse mortgages

None of the above