I need help with T/F

58. Lenders can require balloon payments for loans with terms of five years or less. 59. Negative amortization occurs when the monthly payments are insufficient to cover the interest due on a loan. 60. A lender can make a higher-priced mortgage loan based on the value of the consumer's home without verifying the consumer's ability to repay the loan. 61. If a homeowner defaults, the lender has the right to foreclose on the mortgaged property. 62. Foreclosure is the postponement, for a limited time, of part or all of the payments on a loan in jeopardy of repossession and sale. 63. Federal law encourages private lenders to modify mortgages so as to lower the monthly payments of borrowers who are in default. 64. A borrower has the right to purchase the property after default by paying the full amount of the debt, plus any interest and costs that have accrued. 65. A deficiency judgment requires a borrower to pay the amount of debt remaining after the collateral is sold