One major advantage of a home mortgage over renting a home is that a mortgage:
A. allows a person to easily move to a new home at any time.
B. reduces the time and effort needed for maintenance.
C. does not require a large investment up front.
D. has a steady and stable monthly payment.

The correct response of the options given is Option D: It has a steady and stable monthly payment.

Explanation:

A mortgage has advantages over renting a home because it allows you to invest in an asset and accumulate some wealth in the value of the home. It is also predictable in the sense that you can negotiate a fixed-rate mortgage and know what the scheduled payments will be for the life of the mortgage loan. However, you are usually responsible to put down some down payment as an investment upfront, and as a homeowner, you are responsible for the maintenance and repairs whereas renting in most states in the United States, for example, the tenant is not responsible for major repairs to the rental property.

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