in the subprime mortgage market during the financial crisis, agency problems included all of the following except a) mortgage originators were compensated on matching borrowers with lenders and not on ensuring that the mortgagee is a good credit risk. b) homeowners could refinance their houses with larger loans when their homes appreciated in value. c) underwriters of mortgage-backed securities had weak incentives to make sure that the holders of the securities would be paid back. d) the credit rating agencies were at risk of conflicts of interest.
