If an advertisement includes trigger terms, what must be disclosed?

When an advertisement includes trigger terms, it is essential to disclose specific information to ensure that potential consumers have a clear understanding of the financial offer being presented. Trigger terms are phrases that can create a sense of urgency or attractiveness, such as "low monthly payments" or "no down payment." These terms can lead consumers to make snap decisions without having all the pertinent details.

The requirement to disclose information is mainly aimed at providing transparency and preventing deceptive practices in advertising. The correct choice emphasizes the need to provide comprehensive financial details, specifically the interest rate, the term of the loan, the balance required, and the Annual Percentage Rate (APR). This detailed disclosure allows consumers to fully evaluate the terms of the loan and make informed decisions based on complete information.

Disclosing only the APR or a combination of minimal other details would not suffice to provide the context needed for potential borrowers to understand the overall cost and implications of the loan. Hence, the comprehensive nature of the correct answer aligns with the regulatory requirements set forth to protect consumers in real estate and mortgage transactions.