MORTGAGES IN A C-19 MARKET: The digital mortgage process was already a reality prior to this event. Mortgage interest rates are low but volatile. The 30-year rate is freequently in the lower 3's, and the 15-year rate is in the upper 2's. Government insured Conventional, FHA, and VA loans are still available to borrowers with good credit scores and sound debt-to-income ratios. Due to the ongoing impact of COVID-19, some loan programs that were widely available just a few weeks ago have dissapeared. The loan approval process has been more fragile over the past five weeks. Borrowers who have stopped making mortgage payments have put a severe strain on the industry. Some loans in forbearance will eventually enter the market as bank foreclosures or short sales. In the meantime, lenders and servicers must cope with making those payments to the investors who own the loans. As a result, lenders have increased qualification standards to avoid risk and preserve caiptal.