The "Subprime Mortgage" Sector Includes Loans ________

The "subprime mortgage" sector includes loans ________.

A) provided to borrowers with impaired credit rating or where the loan is a second lien.
B) satisfying the underwriting standards of Ginnie Mae, Fannie Mae, and Freddie Mac (i.e., conforming loans) .
C) that fail to conform for a reason other than credit quality or if the loan is not a first lien on the property.
D) that are not provided to borrowers with impaired credit rating or where the loan is a second lien.