Youre shopping for a big loan, but you have misgivings about Bob, the loan officer, at an institution you just visited. What are some reasons that may have you uneasy about accepting a loan there? Check all that apply.

Bob encouraged you to shop around.

Bob told you that the interest rate is the only important fee to worry about and that discussing the APR is an unnecessary complication.

Your parents may be able to help you with the down payment, but Bob told you to assume they will and to enter a down payment on the application including their contribution.

Bob pointed out that the APR and interest rate were different.

Bob said that his loan was most likely the only one youd be able to obtain.

Bob gave you a range of terms and said theyll be worked out at closing.

Bob volunteered pertinent information that you didnt even know enough to ask about.

Bob spent most of the time emphasizing benefits of loans with balloon payments and interest-only payments.