Take it for what it is, word of mouth, but a friend in the mortgage industry said that most of the loan payments being differed right now will become due all at once in one lump payment. So those having a hard time now paying a single month will find themselves looking at potentially seeing 3+ months of payments all at once. They'll be working on getting people refinanced that come to them with issues since interest rates should be lower. Yet, anyone that finds themselves still unemployed by that time will have a hard time refinancing. Going to be interesting to see how it plays out.