Imagine that you have a client looking to buy a home, and they have a few questions for you from articles they've read online. As a real estate agent, please respond with how you would advise your client with the following questions:

1. This buyer will open a HELOC at closing, so they will have two liens on the property. After talking with their lender, they don't understand why the interest rate for the HELOC (the second loan) is much higher than the first. How would you describe the reason for the higher interest rate? (Note: It's not likely for a buyer to open a HELOC at the same time in reality).
2. After talking with the lender, the buyer does not understand why the property taxes and homeowner's insurance are factored into the monthly payment. How would you explain this to your client, and what is the risk to the lender if taxes and insurance are not in the monthly payment?
3. They are considering purchasing a home from a relative, who is open to a land contract. They would like to know at least one major difference between a land contract and a traditional mortgage.
4. After reading an online article, they are afraid of what would happen if an involuntary lien is eventually placed on their property. Describe to your client an example of an involuntary lien and what they can do to protect themselves from it happening.