I am your faithful mortgagee for many years. My loan number is 183005****. Please look up my payment record. I am paying you on time, even at the present Covid-19 crisis. Why would you demand that I set up a withdrawal schedule from my IRA account, because my income is not high enough for refinancing? If I have a good credit score and I have been paying you on times for many years, does it show that I have enough income? Would you please note even if you deny my refinancing, you still are my mortgagor. You cannot cancel my mortgage because of my low income. BTW, I am not complaining your analyst, Pamela Talbott. She has been most helpful. Wai Wong