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!!
Item 1 of 1
expiredGreenworld123 posted Dec 8, 2019 2:27 PM
Amex offer: $2,500 statement credit for home refinance Better.com
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I also applied through Quicken Loans (Rocket Mortgage) but did not go through their Amex offer (yes, you read it right, they also have another $2500 amex offer going). The Quicken loan showed a much better loan estimate with lower closing cost and lower rate.
If you show local mortgage LE, Better.com will always tell you that the free appraisal and $2500 amex credit makes them the better option. However, the quicken loan estimate without amex offer showed MUCH lower closing cost and rate. I showed them the quicken loan estimate and sure enough they brought up the statement credit. I was quick to share them the quicken amex offer of $2500 statement credit and Better.com caved.
Better.com has a price match policy so they not only matched but beat Quickens offer. I was hoping I'd get the $1000 from Better in case they cannot price match. Either way, I think I hit the jackpot and worked out pretty well.
If the rates stay lower, I may try to turn the table on Quicken Loans next time and refi again!
I also applied through Quicken Loans (Rocket Mortgage) but did not go through their Amex offer (yes, you read it right, they also have another $2500 amex offer going). The Quicken loan showed a much better loan estimate with lower closing cost and lower rate.
If you show local mortgage LE, Better.com will always tell you that the free appraisal and $2500 amex credit makes them the better option. However, the quicken loan estimate without amex offer showed MUCH lower closing cost and rate. I showed them the quicken loan estimate and sure enough they brought up the statement credit. I was quick to share them the quicken amex offer of $2500 statement credit and Better.com caved.
Better.com has a price match policy so they not only matched but beat Quickens offer. I was hoping I'd get the $1000 from Better in case they cannot price match. Either way, I think I hit the jackpot and worked out pretty well.
If the rates stay lower, I may try to turn the table on Quicken Loans next time and refi again!
Great, Thanks. I will look into my Amex accounts if I have any of these offers.
I also applied through Quicken Loans (Rocket Mortgage) but did not go through their Amex offer (yes, you read it right, they also have another $2500 amex offer going). The Quicken loan showed a much better loan estimate with lower closing cost and lower rate.
If you show local mortgage LE, Better.com will always tell you that the free appraisal and $2500 amex credit makes them the better option. However, the quicken loan estimate without amex offer showed MUCH lower closing cost and rate. I showed them the quicken loan estimate and sure enough they brought up the statement credit. I was quick to share them the quicken amex offer of $2500 statement credit and Better.com caved.
Better.com has a price match policy so they not only matched but beat Quickens offer. I was hoping I'd get the $1000 from Better in case they cannot price match. Either way, I think I hit the jackpot and worked out pretty well.
If the rates stay lower, I may try to turn the table on Quicken Loans next time and refi again!
Quicken was more than a thousand dollar less in closing cost and 0.15% less rate. However, if you try to get a Quicken LE through Amex offer link - you get different numbers - same with Better.com. They are trying to make up for the Amex statement credit in some other way.
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I am also curious how long before I can refinance again now that rates are even lower.
I am also curious how long before I can refinance again now that rates are even lower.
I had purchased a home little over a year ago and financed thru Better.
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I locked a 15 year @ 3.125 with $3,559 in credits plus the $2,500 Amex credit. Loan was funded today.
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