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!!
expired Posted by Greenworld123 • Dec 8, 2019
Dec 8, 2019 2:27 PM
Item 1 of 1
expired Posted by Greenworld123 • Dec 8, 2019
Dec 8, 2019 2:27 PM
Amex offer: $2,500 statement credit for home refinance Better.com
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Should lock or wait?
If rates are going to get as aggressive as you claim, why do you think closing costs will increase? I have no way of taking advantage of the AMEX deal but I got Better in a bidding war with another lender and it looks like they won't be able to match. That $1000 from Better is going to pay for my closing costs with the other lender. If rates go down again, I'll start another bidding war and potentially collect on their price match policy again. If rates don't go down a significant amount, then at least I reduced my mortgage by $100 per month
Also, why are you trying so hard to pump up your Tesla stock to all of us? You trying to drive up demand to dump yours?
I locked before all the corona thing in Jan @3.25% for $4300 credit plus $2500 Amex credit. Closed and got a check back for $2000 and waiting for Amex $2500. I will keep looking and if rates go down and if it's $0 out of pocket then will refi again.
If rates are going to get as aggressive as you claim, why do you think closing costs will increase? I have no way of taking advantage of the AMEX deal but I got Better in a bidding war with another lender and it looks like they won't be able to match. That $1000 from Better is going to pay for my closing costs with the other lender. If rates go down again, I'll start another bidding war and potentially collect on their price match policy again. If rates don't go down a significant amount, then at least I reduced my mortgage by $100 per month
Also, why are you trying so hard to pump up your Tesla stock to all of us? You trying to drive up demand to dump yours?
I cant believe you called this person "abrasive" you are completely off base here; if anything this person is a class A Moron and a douchebag.
Correcting people Online on the usage of Lose and Loose and Grammar lol; idiot. No one gives a crap about Grammar this isn't a PHD site but a Deals site and if cant understand the context of shit like that then everything I have said above holds true!
All of the mortgage advice is off base and highly opinionated for yourself it seems but for most this isn't true. Mortgage rates are not reactive like you've put it and no one has a Crystal Ball to say rates will drive down; cant be absolute about this.
At best the rates are really aggressive and if it makes sense for your situation then you should refinance. I am greedy as I refinance often and might wait but at the risk of rates or deals or offers not being the same.
Shahhere
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I'm not here to make friends.
I'm just trying to save you some money.
I re-read one of my tasks and they keep calling my 2nd mortgage payoff (about 25k) a subordinated loan and want all the terms for it even though its getting paid off by the cash out refi. Sounds like others have had a bit better of a time but my last 3 tasks are all boneheaded requests that, again, either don't make sense or are asked poorly.
I second the "you can't get ahold of someone" when you want to run a question by either by phone or e-mail.
So, I'll just wait for their daily check on my app and see what task is next.
If 10 year note falls below 1 or lower doesn't mean the interest rates will go down to 2%.
Supply and demand is an important factor and right now there is high demand for refi.
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