Which of the following are true of mortgage interest rates? A. Interest rates on mortgage loans are determined by three factors: current long-term market rates, the term of the mortgage, and the number of discount points paid. B. Mortgage interest rates tend to track along with Treasury bond rates. C. The interest rate on 15-year mortgages is lower than the rate on 30-year mortgages, all else the same. D. All of the above are true. E. Only A and B of the above are true