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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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Are people able to get ABC+EFGH and come out with cash back or am I misunderstanding?
I first signed up at Better.com through Credit Karma, but later came across this AmEx offer. When I asked my loan rep about it, he said that while he could add the offer onto my existing loan account, he said it would be better (ha!) to create a new account through the offer link. So I did. But then I noticed that I was seeing two different rate costs, with the AmEx account having the higher costs.
When I asked about it, a different rep said to stick with the lower cost account (the original one), and that he would add the AmEx offer on to it. So now I'm just waiting on confirmation that that was done.
So just keep in mind that you might see higher rates through the AmEx offer, so be sure to shop around (even at Better.com, via opening a second account).
Jonathan, my loan "consultant" has been good, but overall when I asked about our LTV, and raising the amount of cash out, the loan estimate that had been matched to my costco lender totally changed to $2900 in fees (not escrow or pre-paid) when it was $1500. Super shady. I email Jonathan and get a response by end of day and my fee's are now a $1200 lender CREDIT. So strange and seems SHADY as heck.
So here are my numbers:
Credit score: EXCELLENT
Loan amount $285k (cash out refi)
Interest rate: 3.625%
Lender Credit: $1200
So, is above deal good? I'm in michigan. Also, anyone ever get into the underwriting process? I'm afraid this is gonna take a month to close, which is fine, but really annoying. I have to push to make sure things are happening.
Thanks!
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I did not have any email on AMEX Offer.
I applied the Refi and almost close.
Final step is give them the last 5 digit of AMEX card.
But I am not sure if I get that 2500.
Did you get the statement?
Since we did not need an appraisal for your loan, your $550 appraisal deposit has been refunded to your credit card. You should see it appear within a few business days.
The best i got is a 15 year, 2.5 rate with 1.78 points. the are rolling over the points to loan amount.
is this a good deal ?
Edit: saw they're having you finance the points. Still not great.
I recommend Aimloan, LenderFi, and Cash Call as good starting comparison points.
Total payment for $300K loan @ 3 % after 15 years will be: $372, 914.00
Total payment for $300K + $ 5340.00 (1.78 point) = $305340.00 loan @ 2.5 % after 15 years will be: $366,475.00
This is with the assumption you will never refinance again or you are not paying extra anytime for 15 years loan. You savings is $6439.00 over 15 years.
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are they really refunding $550 to credit card?
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