QUESTION 45 Which of the following types of mortgage loans has the lower payment during the first few years of the loan then the payments increase? Graduated-payment mortgages. Growing equity mortgages. Shared appreciation mortgages. Equity participation mortgages. QUESTION 46 Loan discount points, when a loan is initiated, will __ be used as collateral O result in balloon payments O result in a reduced interest rate for the loan eliminate the requirement for a large down payment