Borrower June walks into your office. She is looking to purchase a home. She is working with a real estate agent and has already found a home she's very interested in. She volunteers that she has three kids. It's $500,000 which is a very high loan amount in the area that you serve. She offers that she makes $9,500 gross a month from her job.

What are two questions you should avoid asking based on ECOA? What are three things you should not consider when taking June's loan application?