QUESTION 7 The lender evaluates an applicant's creditworthiness by examining sources of income and credit history. True O False QUESTION 8 A due-on-sale clause in a promissory note increases the risk exposure of the lender in a typical mortgage loan situation. True O False QUESTION 9 A key distinction between mortgages and deeds of trust, in a title theory state, is that with a mortgage, title to the real estate is held by a third party. with a mortgage, use and possession of the real estate is a right belonging to the lender. with a deed of trust, title to the real estate is held by a third party with a deed of trust, use and possession the real estate is a right belonging to the lender