I would suggest to speak to her on a humane level of one that actually cares about what might be going on in her life.

The lower level has durable vinyl-plank flooring and plenty of natural light with egress windows.

@Orlando Glez-Jorge, that depends on who you go to and your experience level. 

Between Covid delays for permitting, construction delays to keep bringing the inspector and engineer back in as we found more and more structural issues, then amending the plans and waiting on them to be approved by the city after each amendment, plus a GC I hired that lied about his level of experience and took forever to finish plus ignored every material selection I made and ran with his own finishes that were mostly bargain basement closeout garbage, it took a year and a half to get this from acquisition to stabilized. 

In the line of work I have chosen you only have to have a GED for entry level and most employees have only graduated high school so my degree has turned a few heads for upper management who know the school.

Like I explained them him, its so much that goes into in and income or class level is a major factor. 

From a basic level solar allows people a choice of how much they want to spend on electricity.

I learned to put a memorandum on the home at the sheriffs office as a "lien" to further secure my deal.Doing my research and communication with everyone from the court, bank, attorneys, etc.on a constant basis ensured that nothing was delayed or missed.I learned about abatements and how to get to the next level when I had a uncooperative code enforcement office.

@Rachel MorrowI would think the entry level task would be cold calling-which is a very valuable skill.

But if it's a refi from one conventional loan to another, I'd probably be more inclined to pay the fees up-front and lock in the interest rate while it's at a historically low level, and just avoid the refi altogether.