A HECM counselor discovers during a session that a client's home has significant deferred maintenance issues. The counselor should:
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A
Advise the client to conceal the condition from the lender to avoid appraisal problems
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B
Inform the client that property condition may affect their eligibility and discuss repair set-asides or alternatives
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C
Terminate the counseling session since property issues are outside the counselor's scope
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D
Recommend the client sell the home instead of pursuing a reverse mortgage