I had a great conversation with my bank today, through whom we hold our current mortgage, and with whom we will apply for this one. They said a letter of pre approval is good for 120 days. The banker said it is very easy to get it extended thereafter, they would just need to recheck our credit scores, and that there would be no more paperwork that we have to submit for the renewal of an additional 120 days. She mentioned having a client who is now on her fourth renewal! The banker encouraged us to get pre-approval for a higher amount that what we are looking for because she is confident we will qualify and it is obviously much easier to get a montage for a smaller amount than the pre-approval, but a lot of last minute work to apply for a montage that is higher. She sent me all of the paperwork to get started and said they would all be working from home next week if I had any questions. She said the biggest hiccup she sees now in the buying process is getting appraisers out to a property. But that is quite far down the road for us. I'm glad to have something positive to focus on by getting all of our paperwork together. I'm sure it might take longer than usual to get verification of whatever we may need from employers as HR departments seem quite slammed with organizing work from home capacities. Lindee Lee, I'm sorry for your Tenant and in turn for you too. I hope there is a lot of government support and forgiveness for both renters and landlords who need their rent checks. I just looked at the financial support net that England is rolling out. It is enviable and will keep their economy in much better shape.

Waco, you are funny. Not a realtor, just someone who has bought and sold during different economic times. And real estate is local. My area, and many others, did not collapse during the financial crisis and inventory was quite low. Every town, county, state is different, so you can't just make blanket statements. Everyone should analyze their local market data and their personal financial situation and then make decision based on that, and not some national data summary or doom and gloom media coverage. The world isn't ending. I am sure those that died would trade places with someone that is just having real estate issues. Perspective. Pessimists are gonna spread pessimism ...

Greetings gardener123 ... who may be uncertain about rows 4, 5 and 6 ... but knows for sure that wewantsophie, I am unsure, given your concern of reality coming at you like a freight train, as to whether you are somewhat expecting that your patriarch's continuing life in this dimension may be coming to an end. That is a very difficult issue that in the ordinary course of living we don't like to contemplate: including this character who, in reasonably good health, is (slightly) closer to 100 than to 80! Then you speak of should your worst fears being realized and proceed to consider post-death planning, which leads me to think that you are considering your worst fears to be his death. May I offer an alternative suggestion? Some aged people, having undergone a very serious illness and having pulled through, are left so seriously disabled that they consider their continuing life to be of very little value, with little prospect of improvement. In this current covid situation, which is especially hard on old people whose auto-immune systems are low, many have been left with serious lung issues on a continuing basis, making breathing extremely difficult. I think that some people left seriously disabled may consider that situation worse than death. Unaware as I am of your loved one's prospects should he survive, I am reluctant to offer the message above and hope earnestly that it does not give you more fear, uncertainty and pain. How pleased and thankful you must be to see the many tributes offered by so many people who felt blessed by his kindness. What a fine example he has offered to not only you, his loved ones, but to the community in which he lived, and we are in great need of such examples in these troublous times. Some have referred to faith connections but I do not find such a reference in your message. While you may not wish to consult funeral practitioners about the size of groups and other circumstances related to death, if you have connections to a faith group, if you consult those leaders, I'm sure that they will be able to offer such information. As has been said, likely there will be severely restricted numbers allowed at a funeral gathering these days so, especially considering his having touched the lives of so many in such a positive manner, that a celebration of his life at a later time, possibly on an anniversary, might please many. Thank you for sharing your current pain with us. I hope that you find a measure of satisfaction, community spirit and peace of heart from having done so. I offer prayers on behalf of all of you at this stressful time and send my good wishes to you. In our area, news this morning was that 20% of our covid sufferers are inmates and staff of seniors' long term care facilities and 80% of deaths are seniors. ole joyful

#1 Any germies on the mask came from you. I have one mask in my car I wear only when inside a building. Don't make this a prison. Calm down. Getting over paranoid is a waste of energy. #2 Yes you are safe to play with your dog. You always were. If you encounter a neighbor's dog and wish to pet it--do. Upon return to your home it is always good practice to wash your hands and keep them away from your face. #3 It is an airborne virus. It is virulent before people have symptoms. Wear your mask. Wash your hands. Stay home as a matter of lifestyle. Business have to start up..but that does't mean we should be willy nilly about leaving home. #4 Remember we stay home to slooow down who gets ill. NO ONE said this would save lives, they said they wanted to flatten the curve meaning decrease who is sick at any given time, so hospitals can deal with the worst cases and not lose people due to not being able to treat them. People spreading this I hope are unaware they have it because they are silent carriers or they aren't yet feeling ill. Which is why EVERYONE ALWAYS should wear a mask when inside a building. It helps all of us!!