Which of the following is true of home mortgage loans since the late $1990$s$?$

Government regulations required homebuyers to make larger down payments in order to obtain a mortgage.

Traditional fixed$-$rate, long$-$term mortgages grew in popularity.

There was a substantial increase in the volume of mortgage loans extended with little or no down payment.

High interest rates made it less attractive to lock in to a fixed$-$rate, long$-$term loan.