Donald contacts Mega Mortgage, a non-depository lender, regarding a refinance of the property he has lived in for the past 7 years. During the application process, Donald informs the mortgage loan originator that he is not a borrower or co-signer on the current mortgage, but that he has been making the payments on the mortgage for the past 7 years on behalf of his elderly mother and wishes to be added to the new loan and also to the title. When the MLO requests to speak with Donald’s mother, Donald mentions that his mother is not physically or mentally capable of participating in the refinance. What should the MLO do?