The woman who approached our doorstep Monday morning was wearing a mask, her eyes doing their best to smile a greeting. She was hugging a folder and a bundle of papers.

I held the door open for her but didn’t extend my hand for her to shake. Nor did she, as she introduced herself.

“This must be so weird for you,” I said. My voice felt muffled by the cloth covering much of my own face.

A loan closing agent, she was at our house so I could sign the many documents needed to wrap up refinancing our mortgage. I had applied a lifetime ago — Feb. 27 — via Quicken Loan’s Rocket Mortgage. Exactly two months after my application, the process was coming to an end in a coronavirus-esque way: Masks on, extra space between the agent and me.

While I worried periodically over the last 60 days that the country’s economic woes or lenders’ tighter standards would somehow upend a four-year-long goal of refinancing our privately held mortgage, it didn’t go down that way.

Closing was successful (more on that farther below). And I’m glad the refinance is finally done — my husband and I will save nearly $450 a month.