Regarding differences between commercial and residential mortgage loans which of the following statements is least correct? Balloon payment mortgages are more common for commercial borrowers than residential borrowers Commercial mortage documents are longer and more complex. Lenders typically allow mortgage prepayment without penalty for residential borrowers, but levy prepayment penalties on prepayments by commercial borrowers Residential mortgage borrowers often have no personal liability (nonrecourseloons, while commercial borrowers typically have personal liability trecourse loans