In most of the cases, when a loan officer asks his client to take a decision based on his budget and affordability, the clients feel insulted and underestimated by the officers. While in some cases, when the loan officer offers more money than required by the clients, they feel that no one in this world is better than this person who suddenly becomes an ideal figure for them. Here, they are misunderstood. The loan officer in the former case is a well-wisher for the client who asks them to take a practical decision that is nothing but a right option for all. While, the latter is only in search of a chance to trap you in an inappropriate deal so that he might squirm as much as possible from you.

Thus, you must develop a self-consciousness to judge the loan officers in a proper way based on what they ask you to do.