QUESTION 1 1 points Save Answer The percentage of the total loan paid back immediately when a mortgage loan is obtained, which lowers the annual interest rate on the debt, is called O discount points. O loan terms. 0 collateral. down payment. QUESTION 2 1 points Save Answer Retired people can covert the equity they have in their homes into cash by using a reverse mortgage. True False QUESTION 3 1 points Save Answer Investment banks advertise upcoming securities offerings with block ads in the Wall Street Journal. Such an ad is called a O tombstone O marker O prospectus O registration statement