6. Under the lien theory, the equitable title to the property is held by the: A. mortgagee B. mortgagor trustor trustee 7. Charging more interest than is legally allowed is known as: A. escheat B. usury C. a deficiency D. an estoppel 8. A mortgagor is the one who: A. gives the mortgage to the lender B. holds the mortgages C. provides the mortgage funds D. forecloses on the mortgage 9. The finance fee charged by the lender to make the loan is a (n): A. prepayment B. advance interest payment C. loan origination fee D. prepayment of mortgage insurance 10. The amount of a loan expressed as a percentage of the value of the real estate offered as collateral is the: amortization ratio B. loan to value ratio C. debt to value ratio D. capi use ratio 11. Ifa borrower defaults and does not pay off the defaulted amount by the deadline, and the court simply awards the lender the full legal title, what kind of foreclosure has taken place? A. judicial B. non-judicial C. simple strict D outstanding mortgage debt, the mortgagor may be responsible for: A. a default judgment B. a deficiency judgment C. liquidated damages D. punitive damages 12. If a property sold as a mortgage foreclosure does not sell for an amount sufficient to satisfy the