Daniel inquires about home improvement loans. He tells Angela, the banker, that he would like to build a new garage and needs about $15,000 to do so. Daniel is not familiar with any of the bank's products and would like to know about rates and possible payment amounts. He states that there are two liens on his home already (counting his mortgage) and would like to determine if the bank will consider a third lien if he makes the application.

How should Angela respond?