Why might Frank and Molly face confusion regarding loan options?

Frank and Molly might face confusion regarding loan options because each loan has different fees, insurance costs, and interest rates, which complicates the process of comparison. When loans vary significantly in these aspects, it becomes challenging for borrowers to evaluate which option is the best fit for their financial situation. Differentiations in costs such as origination fees, closing costs, and varying interest rates can lead to uncertainty in understanding the overall expense of each loan product. The lack of a standardized format or clear breakdown makes it difficult for borrowers to make direct comparisons, potentially leading to confusion and difficulty in decision-making. This scenario highlights the importance of transparency and clarity when presenting loan options to consumers.