There is a lot of talk going around, how the pandemic is affecting the banks, what has been your experience? 

@Terry Hale Yes banks are lending money. For every loan that's closed another account is paid off. When you're in the business of loaning money the cycle needs to continue. I'm about to close on a cash-out refinance this week or next. I've been in queue for a few weeks! 

It's a frenzy in the banking and mortgage industry right now due to historically LOW rates. 

@Terry Hale . I have found the refinancing process to be a little slower than usual, but banks will always want to lend money to good candidates.