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Which types of mortgages would be preferable if interest rates are expected to decline? I. Closed II. Open III. Fixed-rate IV. Variable-rate B C D II and IV, only II and III, only I and III, only I and IV, only What will you be charged with mortgage refinancing if you have a closed mortgage and refinance your mortgage before the end of the term? A Payment frequency fees B Mortgage default insurance C Perepayment penalties D An additional down payment If a homeowner's insurance had a replacement cost policy that covered damage to the home and the home was completely destroyed, what amount would the insurance company cover given the following? - The home's depreciated value before the damage was $100,000 - The cost to rebuild the home value is $150,000 - The home mortgage $120,000 - The value of the neighbour's home $130,000 A $120,000 B $130,000 C $100,000 D $150,000