In financial investing, there is a debate that has gone on for years: Can a non-expert or someone who randomly throws darts at a list of financial stocks make better stock picks than a professional money manager?

Robyn from Oklahoma asks: Rates are down and I am getting a lot of calls from previous clients that want to refinance. Unfortunately, the market seems to be very competitive and I am losing deals to other loan officers. Should I move to a company that is more competitive?

Bill Bodnar of The Mortgage Market Guide discusses the massive selloff last week, the share decline in rates and developments with the COVID-19.