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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30 Year Fixed
3.500% / 3.688%
$5,834 in points
$1,987 in fees
95834 (CA), 390k value, 229k loan, 800+ score... and I got barely a smidge better there.
30 year - Rate 3.000%, Apr 3.134%, payment $970, points $3,738
If you are going to say local to support the local economy... even CUs outsource a lot of the underwriting technology. Sure, they have a underwriter at said company but they just feed your data into 3rd party technologies and outsourced vendors to process most of it now a days.
I'm just curious. I would want the best deal in whatever state it was housed.
30 Year Fixed
3.500% / 3.688%
$5,834 in points
$1,987 in fees
Better started off terribly for me too when I first applied just using their website. Get real quotes from a couple people (you'll probably need to submit your info for them to give formal estimates) then send the best quote to the others for them to beat and repeat a few times to get a good deal.
Better started their offer at 3.5% with $1900 in fees for me and got as low as 3.25% with $141 in fees after a few times back and forth. I will end up going with a different lender who settled at 3.25% with no fees and will apply for the $1000 cash offer for Better not being able to match.
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Should lock or wait?
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Is there a grace period before you can refinance again, especially for people taking higher rate with 5-10k credit?
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