the reason is kids usually do not know how to handle this or will be open to more hell, so dumping it in their laps and say "call the cops" is dangerous. it may take a tiny bit longer to come to pressure, but not much. your loan must be eligible to be considered and this is not an offer to lend. while there’s no right answer to this question, the response will help you assess what’s important to the agent and determine how closely the agent’s goals and business emphasis mesh with your own. 