Which of the following regarding the mortgage would be TRUE? 1. The usual borrowers in mortgage markets are small businesses. II. Most mortgages are secured by real estate, whereas relatively the majority of capital market borrowing is unsecured. III. Because mortgages are made for diverse amounts and maturities, developing a secondary market has been much easier than stocks and bonds. IV. Mortgage interest rates are much lower than the long-term Treasury notes. O I and II OT O II, III, and IV O