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!!
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Am I missing something?
1. I might be repaying loan every year to reduce the liability and come out of loan as soon as possible. Will there be any additional fees for repayments with better.com?
2. Anyone successful in matching CashCall offer for 15 yr fix - 2.75 % / 2.95 % APR and $995 Flat Fee and getting 2500 from Amex from Better.com? Looks like I'll be eligible for this offer with CashCall.
Thanks in advance !
1. I might be repaying loan every year to reduce the liability and come out of loan as soon as possible. Will there be any additional fees for repayments with better.com?
2. Anyone successful in matching CashCall offer for 15 yr fix - 2.75 % / 2.95 % APR and $995 Flat Fee and getting 2500 from Amex from Better.com? Looks like I'll be eligible for this offer with CashCall.
Thanks in advance !
2. Yes, you can ask for match. I did it. But it should be a official copy of the closing cost document.
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2. Yes, you can ask for match. I did it. But it should be a official copy of the closing cost document.
One dude literally told me he would not send me an estimate unless I locked in. I asked him why his "fee sheet" said, "Get an official Loan Estimate before choosing a loan." When I pointed that out he had no answer for me.
That said, I did end up getting a pretty decent deal through better.com it seems. Locked in last night at 3.375 w/ no fees and an $1,100 credit. The agent I had took some of the fee sheets and estimates I had to knock it down to that level. No increase in loan balance. My cost items add up to about $1500 but with the Amex credit I should hopefully get I'm in the green. Pretty happy overall.
I will also say that Better's website and process seem way better than all of the other ones I've dealt with over the past couple of days. Ally may be the only one that was similarly polished.
Not sure if I have a crappy loan officer assigned, or if others have had a similar experience.
2. Yes, you can ask for match. I did it. But it should be a official copy of the closing cost document.
One dude literally told me he would not send me an estimate unless I locked in. I asked him why his "fee sheet" said, "Get an official Loan Estimate before choosing a loan." When I pointed that out he had no answer for me.
That said, I did end up getting a pretty decent deal through better.com it seems. Locked in last night at 3.375 w/ no fees and an $1,100 credit. The agent I had took some of the fee sheets and estimates I had to knock it down to that level. No increase in loan balance. My cost items add up to about $1500 but with the Amex credit I should hopefully get I'm in the green. Pretty happy overall.
I will also say that Better's website and process seem way better than all of the other ones I've dealt with over the past couple of days. Ally may be the only one that was similarly polished.
And I think serious borrows can get quotes after the Hard pull and compare. I found Better.com to be good. Even BoA could not beat their rates/costs or even match it.
And over that the 2500$.
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