Problem: You're an MLO in Hawaii and you want to make sure you're following the required conduct outlined by the state. Which one of the following describes conduct that is NOT permissible? Unset starred question Accept a borrower's loan application when a property offer has been made. Negotiate with lenders on behalf of borrower to obtain the best loan terms for the borrower's mortgage. Provide financial advice to borrowers. Work in MLO role without a sponsoring MLO company.