Which statement about subprime lending is FAL SE$?$

The risks associated with subprime lending rise as the likelihood of falling home prices increases.

If a home cowner cannot afford the mortenge payments, the homeowner can always pay off the mortgage by selling the home.

Subprime lending occurs when financial institutions issue loans to individaak who are less likely to repay their loans compared to those who meet standard lending criteria.

Before the $2008$ financial crisis, financial institutions increased the nember of subprime loans they issued as home prices continued to rise.