How should affordability gaps in a client’s plan be viewed by lenders?

How should affordability gaps in a client’s plan be viewed by lenders?

• A. As normal variations that require no action.
• B. As a reason to switch lenders only.
• C. As potential risk factors; should be addressed by adjusting product type, term or payment levels.
• D. As a reason to increase loan amount.

Answer: (C)