Which action could lead to losing your real estate license related to bank interactions?

The action that could lead to losing your real estate license is misrepresenting a client's financial situation to the bank, specifically overstating their available funds for a down payment. This kind of behavior constitutes fraud, as it involves providing false information with the intent to affect the bank’s decision-making process regarding a loan. Such actions undermine the trust that is essential in real estate transactions and violate ethical standards, leading to disciplinary actions, including the potential revocation of a real estate license.

In contrast, accurately advising clients on their loan options or merely facilitating their visit to the bank does not involve misrepresentation. While it is important to maintain honesty and integrity in all dealings, only the act of purposely deceiving a financial institution in regards to a client’s financial capability poses a major risk to a real estate professional's license.