Please add sections to this wiki with useful information about the process, so that people don't have to ask the same questions over and over, or scan the whole thread for answers!
Notary and closing
Here is what you can expect or ask for from my experience:
1. New pen for signing wiped thoroughly
2. Pen stays with you after signing
3. Only material they will touch would be your ID
4. ID would be wiped and returned back
5. Can expect gloves to be worn
6. Signing can happen in your front yard or in your garage
7. If you have a Costco table then you can sit on either sides to maintain distancing
8. Masks might be recommended given new guidelines
9. Plus discuss with the notary!!
expiredGreenworld123 posted Dec 08, 2019 02:27 PM
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expiredGreenworld123 posted Dec 08, 2019 02:27 PM
Amex offer: $2,500 statement credit for home refinance Better.com
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Was able to get locked in for 3.375% 30-yr fixed w/no points (have excellent credit).
Very pleased so far, they replied to my price match request within an hour, and less than 24 hours after submitting all paperwork / information I'm conditionally approved for underwriting and expected to set a closing date sometime next week. Website has a good interface for uploading all the docs and required information which is a breath of fresh air compared to other lenders I've had to work with in the past.
Where do you contact them to get the price match? Schedule a call with them?
I'm currently submitting docs after the Price Lock section. I'm really hoping the AMEX offer works, although paying $100 less each month with minimal closing costs is pretty sweet.
Was able to get locked in for 3.375% 30-yr fixed w/no points (have excellent credit).
Very pleased so far, they replied to my price match request within an hour, and less than 24 hours after submitting all paperwork / information I'm conditionally approved for underwriting and expected to set a closing date sometime next week. Website has a good interface for uploading all the docs and required information which is a breath of fresh air compared to other lenders I've had to work with in the past.
I'm currently submitting docs after the Price Lock section. I'm really hoping the AMEX offer works, although paying $100 less each month with minimal closing costs is pretty sweet.
No prepayment penalties:
https://better.com/faq/home-purch...s-purchase
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However, due to costco affiliates, the closing cost is lower than the Better.com. So, I am getting them match the closing cost. But I was hoping that they would give me the extra 1000$ which they bragged about ('We give you 1000$ if we cannot beat other's cost').
And yes, it's a hard pull when you need official cost document letter from other lenders. Better.com is doing an soft pull first to give you estimates and when you are ready; they will do the hard pull.
Hopefully, if all goes well, I might go with Better.com due to the Amex 2500$ deal. For me, both lenders giving me same rates and costs.
No prepayment penalties:
https://better.com/faq/home-purch...s-purchase
Thanks. Will check if they allow biweekly payment.
I'm currently submitting docs after the Price Lock section. I'm really hoping the AMEX offer works, although paying $100 less each month with minimal closing costs is pretty sweet.
Sign up for a Slickdeals account to remove this ad.
Also, I got confirmation from the underwriting person that my account has the AMEX promo noted despite not directly going through the link. I had to message them a few times but it looks like it's on track.
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