California Educator Credentialing Examinations (CBEST) English 2025 – 400 Free Practice Questions to Pass the Exam

The correct answer highlights an important cause-and-effect scenario from the context of the passage. After John Head's clients took out mortgage loans, he acknowledged the lack of prosecutions in Colorado, which indicates a growing concern regarding the actions of lenders and the overall mortgage lending environment. This event underscores Head's advocacy for accountability within the financial system, showing a direct reaction to the aftermath of clients' experiences with mortgage loans.

On the other hand, the other choices suggest various outcomes related to mortgage loans but do not accurately depict a direct sequential event following the taking out of mortgage loans in the context provided. The rising use of home equity for purchases indicates an economic behavior but does not directly connect to Head's actions or responses. Similarly, representing victims of lenders or a rise in foreclosure rates speaks to broader trends but lacks the sequential correlation to the specific event of the clients securing loans that Head responded to with his commentary on the legal system's inadequacies.