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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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Closing in 2 days. Funding in process today.
Closing in 2 days. Funding in process today.
Not sure how to calculate this but i got 3.125% with -$2037 credits for 213k loan, 15 years.
Which one is better?
Cash out rates are typically higher than regular refi. I shopped around a bit (AmiLoan and one other) and Better's 0 point rate was better. They all charge PMI for LTV above 80% whether cash out or regular refi.
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Not sure how to calculate this but i got 3.125% with -$2037 credits for 213k loan, 15 years.
Which one is better?
With 3.125 and -2037 credit it's hard to say. But dont you want to roll in that 2037 into the points and get the interest lowered?
With 3.125 and -2037 credit it's hard to say. But dont you want to roll in that 2037 into the points and get the interest lowered?
Loan amt: $213k, 15 years.
With: 3.125%, total loan cost= $267k.
3%, total loan cost= $264k.
2.8%, total loan cost= $261k.
Pretty sure the lowest they will go with 2k credit is around 2.8-2.9% so I would save about $6k in 15 years, If i dont refinance at all in the future.
So instead of waiting 15 years to gain 3-6k, i prefer to get the $$ now if it makes sense.
Someone please correct me if i'm wrong, *not too late for me to back out of this.
Loan amt: $213k, 15 years.
With: 3.125%, total loan cost= $267k.
3%, total loan cost= $264k.
2.8%, total loan cost= $261k.
Pretty sure the lowest they will go with 2k credit is around 2.8-2.9% so I would save about $6k in 15 years, If i dont refinance at all in the future.
So instead of waiting 15 years to gain 3-6k, i prefer to get the $$ now if it makes sense.
Someone please correct me if i'm wrong, *not too late for me to back out of this.
Actually, if mine was not already funding; I would have asked to price match yours
Actually, if mine was not already funding; I would have asked to price match yours
Were you able to take advantage of the amex offer? I'm using my partner amex which I have authorized user on. Hope that will go thru smoothly!
Were you able to take advantage of the amex offer? I'm using my partner amex which I have authorized user on. Hope that will go thru smoothly!
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