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!!
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expiredGreenworld123 posted Dec 8, 2019 2:27 PM
Amex offer: $2,500 statement credit for home refinance Better.com
American Express Giftcards
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$4,928 closing costs + 5.3% APR. 770 credit score. Not sure if AMEX offer helps.
$4,928 closing costs + 5.3% APR. 770 credit score. Not sure if AMEX offer helps.
Now where is that guy who kept saying wait till the interest rate dropped down to 0 while I kept saying take the free money if there are no closing costs + the bonus $2500 and then REFI again if the rates drop
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So after I close say next week, can I refi with other lender immideatly.
Will better/Amex give me 2.5K credit eventhough I'm not staying with the lender?
I totally get that if things change drastically, one could use negative points to negate some fees, but you always pay for appraisal (~$400?), and of course it's generally a PITA; at some point the benefits in refinancing won't outweigh the costs (literally and figuratively), and that's going to be inversely proportional to how long one's had the loan - e.g. refinancing repeatedly in short periods of time won't make financial sense.
Just trying to figure out what the missing piece is here
Is there a public offer for Rocket or do you have to be targeted?
Edit: Nvm, found it.
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So after I close say next week, can I refi with other lender immideatly.
Will better/Amex give me 2.5K credit eventhough I'm not staying with the lender?
As long as you complete the re-fi you should get the credit.
Nothing in the terms ties the credit to how long the loan is held, whether it's you closing it out, or the company selling it.
Are you finding lower than 3.375 today?
I haven't gotten actual quotes from anyone, but posted rates I'm seeing today are above that, some significantly so.
Compared to fundamentals I think mortgage providers are keeping rates artificially high with their can't handle volume justification. Whether they continue in lock step with that remains to be seen.
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