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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9,848 Comments
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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.
Before knowing about that error, I submitted the 3.25% estimate sheet to my current mortgage company who said they would be able to match it which includes the $1000 lender credit. I'm trying to get that finalized with them right now to see if it actually works out
As a quick summary for those wondering
First filled out the info on Better.com which came back with 3.5% plus $1,900 in points
Got a quote from another lender which offered 3.5% with no fees
Better came back at 3.5% with $600 in lender credits
Other lender replied with 3.5% and $1000 credit or 3.25% plus $400 in points
Better replied with 3.25% plus $141 in points
Other lender replied with 3.25% and no costs
Now I might end up with 3.25% and $1000 in credit
This is for a $185k home value, $140k mortgage, 800+ credit, Charleston SC area
(I never saw anything resembling 3% and no points for my situation so people that are reporting those figures have different circumstances like area, value-to-mortgage, etc.)
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Before knowing about that error, I submitted the 3.25% estimate sheet to my current mortgage company who said they would be able to match it which includes the $1000 lender credit. I'm trying to get that finalized with them right now to see if it actually works out
As a quick summary for those wondering
First filled out the info on Better.com which came back with 3.5% plus $1,900 in points
Got a quote from another lender which offered 3.5% with no fees
Better came back at 3.5% with $600 in lender credits
Other lender replied with 3.5% and $1000 credit or 3.25% plus $400 in points
Better replied with 3.25% plus $141 in points
Other lender replied with 3.25% and no costs
Now I might end up with 3.25% and $1000 in credit
This is for a $185k home value, $140k mortgage, 800+ credit, Charleston SC area
(I never saw anything resembling 3% and no points for my situation so people that are reporting those figures have different circumstances like area, value-to-mortgage, etc.)
30 Year Fixed
3.500% / 3.688%
$5,834 in points
$1,987 in fees
We need more TX datapoints. I have a hard time getting below 3.9% $0 points for > $140K mortgage ($185K value). On Zillow in my zip, it's showing 4.1-4.375% with 760 score and above on 30 years. Not much difference with 20-15 year mortgages either. I am assuming rates differ on loan size, state, and zip code, considering 760+ score.
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