Morrison is assisting a borrower in obtaining a residential mortgage loan. Her assistance may include all of the following except?

The correct answer is tied to the nature of the roles and responsibilities typically associated with assisting borrowers in obtaining a residential mortgage loan. When a person, such as Morrison in this scenario, is assisting a borrower, they can engage in various supportive tasks that facilitate the mortgage application process.

Providing advice on loan terms is a crucial function, as it helps borrowers understand their options, compare products, and make informed decisions. Preparing loan packages is also a common task that involves gathering and organizing necessary documentation for submission to lenders. Additionally, collecting information on behalf of the consumer is a fundamental part of the process, as it ensures that all required data is provided to lenders in a timely and efficient manner.

However, making a loan commitment is distinct from these supportive roles. A loan commitment is an agreement from a lender to provide a loan to a borrower under specific terms. This is executed by the lender and not by someone assisting the borrower. Therefore, it falls outside the scope of what someone like Morrison, who is aiding the borrower, can do. By focusing solely on tasks she can perform within her role, it's clear why making a loan commitment is the exception in this context.