A buyer wishes to purchase a home through Broker Bob, making the following offer: Sale price is $100,000; Buyer to put $10,000 down and obtain a new FHA insured loan for $80,000; Buyer to execute a 2nd note and trust deed in favor of seller for $10,000. Broker should advise:

a. transaction is okay.
b. seller should not have the new 2nd trust deed recorded until after escrow has closed, so as not to alarm FHA.
c. the Buyer that she cannot purchase in this manner, because FHA does not allow 2nd notes and trust deeds, but requires cash to the FHA loan.
d. none of the above.