Which of the following is true (could be more than one): A A large portion of the mortgage payment goes towards the principal, during the early life of a mortgage loan Subprime mortgage borrowers usually have poorer credit ratings or lower income levels compared to conventional mortgage borrowers For CMOs, prepayment risk is the risk that a borrower may prepay the mortgage before maturity when interest rates decrease Mortgage payments are higher on a 15-year fixed-rate mortgage than on a 30-year fixed-rate mortgage, and less interest is paid on a 15-year mortgage than on a 30-year mortgage; ceteris paribus 6 All of them