Which of the Following Are Reasons That the Actual Prepayment

Multiple Choice

Which of the following are reasons that the actual prepayment rate on a specific mortgage pool backing a specific pass-through security may differ from PSA's assumed pattern?

A) age of the mortgage pool and the size of the pool
B) geographic location and assumability of mortgages in the pool
C) age and job status of mortgagees in the pool
D) level of the pool's coupon relative to the current mortgage coupon rate
E) all of the above are reasons