Could one get a call from "a" mailer, sure, but that's not the consumer psychology of it. 

The retailer previously announced plans to shut up to 315 locations.Big Lots joins several other retailers, like LL Flooring and 99 Cents Only, in filing for bankruptcy as the industry grapples with inflation and changing consumer habits.

That's a good example of a 'healthy' mortgage market albeit fairly astonishing that banks would consider the revenue data accurate and consistent enough to lend on.

When we underwrite our F&F's, the guidelines are in place to make sure you have a healthy profit margin so if we see anything glaring that should be re-considered we can walk through that in order to make sure everything make sense before proceeding. 

I'll answer from a consumer point first.

It is more time consuming if you are managing it all yourself.You didn't list selling a property as an option to pay down loan principle.

It has not been a good experience at all and very time consuming.

@Graeme Wright, Hoping you and your family are staying safe and healthy during these uncertain times.

Let's just look at the hard numbers:Unemployment: Was 6.3% when Trump left office and is now 4.2% Consumer Price Index: Was up 1.4% in 2020 and is now up 2.5%  Median Household Income: Rose 4% during Biden and FELL 2.9% during Trump.

If you act as a consumer and unless any of the legal exceptions apply, you have rights to cancel the Subscription Listing Fees during the cooling off period.