When investors hold mortgages, they are subject to different risk factors, including credit risk, interest rate risk and pre-payment risk. What is the pre-payment risk?

		A) Risk that the investor will not be able to get their money back in time for tax filings.
		B) Risk that the borrower will default on their loan, i.e., not be able to pay their mortgage.
		C) Risk that interest rates will increase, which will reduce the value of the mortgage investment
		D) Risk that borrowers will re-finance their mortgage if interest rates fall.