QUESTION 17 Buying points affects your monthly mortgage payment. True False QUESTION 18 The costs of car ownership include O a. the down payment. O b.financing costs O c. opportunity and liquidity costs. O d. a, and b. O e.a., b., and c. QUESTION 19 Your PITI, a calculation lenders use to determine how much of a mortgage you can afford, includes all the following housing costs EXCEPT O a taxes. b.principal C. interest. d. maintenance e insurance QUESTION 20 A fixed-rate mortgage is best if you want a mortgage with all the following features EXCEPT a. a predictable interest rate Ob.more affordability O clower risk O da maturity of 15, 20. or 30 years. e the same monthly payment over the term