Which of the following is true about fixed-rate mortgages? (Select the best answer below.) A. They have a term of 15 or 30 years and are not preferred by many homeowners because their payment does not change with market interest rates. B. They have a term of 10 or 15 years and are preferred by many homeowners because their payment is tied to market interest rates. C. They have a term of 15 or 30 years and are preferred by many homeowners because their payment is not tied to market interest rates. D. They have a term of 10 or 15 years and are not preferred by many homeowners because they cannot refinance this type of mortgage