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Pleased to meet you <a href=" http://www.cleanmedeurope.org/order-vriligy.pdf#preparations ">vriligy review</a> The more prosaic explanation has to do with overstretched banks, which have been operating at peak capacity since the financial crisis. Homeowners have lined up to refinance and take advantage of rock-bottom interest rates. And as President Obama's refinance program has ramped up, there's been an increase in quick transactions that required little documentation and no appraisals. Loan officers have spent more time on refinancing, which is simple, and less on the more thorny and complicated process of getting new home loans through the pipeline.