I am afraid to say they don't all have your best interest at heart. 

I am not worried about cat pee because the cat is already 8 years old, but I am afraid of having the cat scratch the kitchen cabinets and the walls.

The contractor doesn't want to start with zero down, because he is afraid you won't pay him.3. 

A cost plus or time and material project is a different story which may be a good option for you if you are afraid that you may be overcharged.Get 2 or 3 quotes on the same scope of work from reputable contractors and compare prices that way.

I’m not afraid of using creative means whatever works!

I am afraid that he will take the money and getaway.

Certainly don’t be afraid to ask for the discount.  

Many people are afraid of increasing regulations.

I would not be afraid to low-ball offer at a price that works for you.

Your 203k team will consist of the REALTOR, lender, 203k Consultant, and contractor.REALTOR needs to not be afraid of the 203k and excited to use it.