Which of the following statements are true?A Shared Appreciation Mortgage is issued with an higher initial rate; the owner benefits from all of the capital gains on the property.All of these statements are true.A Growing Equity Mortgage $($GEM$)$ and a Growing Payment Mortgage $($GPM$)$ are essentially identical.A Balloon Mortgage's payments are interest only for the initial period of the mortgage $(3-5$ years$)$ with the principal due at the end of the period.These are primarily used in commercial property fundings.