Question: Trina's loan is subject to Hawaii's usury laws and is restricted to a 10% interest rate. Considering this information, which one of these must be true? It's a second mortgage secured by her primary residence. It's a home business loan with a credit limit of $300,000. It's a consumer credit loan signed by the borrower for less than $5,000. It's a loan with no written agreement between the borrower and lender.