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Which of the following situations would be prohibited under UDAAPs
Your client decides to back out of the mortgage at the closing table, prior to signing any final disclosures.
Your client has expressed that they would prefer an ARM and you move forward with the MLO process.
Your client has expressed that they would prefer to not have an ARM as they are uneasy about the changing rate and payment, however you convince your client that an ARM is the best option anyhow.
Your client previously had a balloon mortgage and asks for another.
You inform your client you do not offer balloon mortgages currently and instead offer them an ARM, which also meets their needs and goals.