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I've had this happen to me at least 5 times and every time I'm mad at myself for not being more assertive in telling a client that their "friend" or "relative" in the lending business is screwing them in the program or fees they are trying to put them in. It's difficult to tell a buyer that they're family member isn't looking out after their best interest. I also know how difficult it is to work with family, but a choosing the right home loan for someone is an extremely important task. Has any one come across this problem and how do you handle this very precarious situation?