Could you please answer all the questions, much appreciated!

1. The house that Clara is looking to purchase is valued at $280,000. She has a down payment of $64,400. This is _______________________.

Points: 1

1. a reverse mortgage
2. a conventional mortgage
3. a high ratio mortgage
4. a high ratio conventional mortgage

2. Auto insurance with property damage liability coverage protects against losses that result when the policy owner damages another persons property with his or her car. It does not cover your own car or other property that you own.

Points: 1

1. True
2. False

3. A homeowners insurance premiums can be increased or decreased due to the following: I. homeowners criminal record II. value of home III. background check on homeowner IV. deductible

Points: 1

1. II and III
2. I and II
3. II and IV
4. All the above