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Suppose that you are shopping for 30-year mortgage. A lender has just offered you a particular loan that has a monthly payment that is higher than you would like. Which of the following changes to the loan terms would help you to lower the monthly payment on the loan? 0 Lower the interest rate. 0 Switch to a 15-year mortgage. 0 Increase the loan-to-value ratio. 0 Both a and b would lower the monthly payment. O a, b, and c would all lower the monthly payment. In the sales comparison approach to real estate valuation, the __________ is the amount that was actually paid for a comparable. O adjusted sale price 0 indicated value 0 transaction price 0 market value