Which of the following is NOT a prohibited practice under the Hawaii laws? Unset starred question An MLO did not provide proper pre-approval disclosure of federal fair housing. An MLO paid an appraiser a few hundred extra dollars for her borrower's appraisal to be the correct amount. An MLO played it safe by telling a high-risk borrower to obtain additional homeowner's insurance beyond the property value. An MLO provided guidance to a borrower of a residential mortgage loan with favorable terms for which the borrowers qualify.