Which of the following is NOT a component of an adjustable rate mortgage? 1) note rate 2) qualifying rate 3) yield 4) index Which of the following is NOT a major participant in the secondary residential mortgage market? 1) Freddie Mac 2) Ginnie Mae 3) Fannie Mae 4) Sallie Mae The Higgins family wants to buy in Center City, Ohio and use a deed of trust. 1) A deed of trust is not legal in Ohio. 2) No problem, if they consult an attorney. 3) No problem, as long as they use a Realtor. 4) No problem, as long as the brokerage is licensed to do so