[HDF]

I do the same thing I do when I ask the pretty girl at the bar for her number and she tells me she already has a boyfriend. I move on to the next one.

There is always time to ask if they are being considered for the amount they really need. You can get them the difference very quickly if need be. And since they are sure to have the paperwork you need handy, they should send it right over for a quick pre-qualification.