Question 3 (5 points) When considering the terms of a mortgage loan, recourse refers to the right of your lender to change the rate of interest charged for the mortgage loan. True False Question 4 (5 points) You own twenty acres of farm land therefore you own rights to the minerals four feet below the surface of your 20 acres. True False Question 5 (5 points) In a theoretical real estate market cycle the point where the expansion phase of the cycle crosses into the hyper supply phase of the cycle is characterized by supply and demand equilibrium. True False