A borrower who enters into a normal lending transaction at a reasonable interest rate, with full understanding of its terms and consequences, and whose financial difficulties arise from their own voluntary involvement in a family member's financial problems, is not in a position of special disadvantage for the purposes of the unconscionability doctrine, even where the lender holds a mortgage over the borrower's sole source of income. Unequal bargaining power inherent in any commercial lending transaction does not of itself establish special disadvantage.
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