They are incapable. What's its been like a month now and I get a phone call from some Azura Lending or some name like that, out in California that due to changes under the Trump administration I am now pre approved for up to six hundred thousand dollars. Wow, that blew me for a loop, I am lucky to make it to the fifty thousand offers often sent through the mail of which I don't entertain the thought of. I can just see it now, many people are going to lose their homes, the second coming of a housing crash.