Market Discussion:4:15: in terms of unemployment insurance, all rollouts are simply overwhelmed with the volume.6:01: Stewardship Properties has tried to stick with our regional banks since they’re quicker to respond on our commercial loans. Start with those lenders.What’s Happening In Mortgages:9:20: Liquidity is an issue for lenders, primarily because of forbearance, but they are still accepting applications at decent rates.14:29: When lenders are pulling the plug, these are locked loans. That’s only about 10% of what we do. Business-conforming loans are the other 90%, which are still being written.17:00: You can’t ask people’s credit scores as an investor, buy you can cross qualify your buyers with their lender for a second set of eyes.20:27: Ryan has never sold to people that have anything other than cash, private or hard money. But on the retail side, a 1031 Exchange came in with a cash offer 5k below list, last weekend.23:00: What’s been interesting to see is how Indianapolis has become a cash-heavy market overnight with 20-25% down.24:15: With COVID-19 overlays, you can still go up to 50% debt to income on a conventional loan.26:30: You can still get up to 80% on a cash out refinance.28:47: VA loans are still being done, lenders just don’t know right away if they have someone to service it. So rates are higher.Title Companies:30:36: Title companies are “modified” business as usual. Thankfully for Indianapolis and Kansas City allow scanned documents.What Do The Next Few Months Look Like:33:49: Eugene Brokers is gearing up for a full refinance season. Rates track the 10-year treasury note, so they think great rates will be around for awhile.32:40: Contact Matt at 541-359-7212 or by email at [email protected] with the Good Stewards:Visit Our Website and SubscribeEmail | [email protected] | @TheGoodStewardsInstagram | @GoodStewardsPodcastFacebook | @GoodStewardsPodcast