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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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I got quotes from 4 lenders, and the best was SoFi last night. They offered to lock me with no obligation or hard feelings, so I used that today to get a slightly better quote from a local lender (beat their closing costs by $400), and then by Better tonight. Throw in the $2500 AMEX credit and I'm pretty happy.
Like I said a few posts above, maybe rates will tank in the next month or two, but 3.25 is already historically low, so I won't be kicking myself too hard unless something crazy happens.
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1) Secured a rate lock with Better.com at 3.375% on a 30 years fixed conventional mortgage about a week ago with all closings costs rolled in and no points.
2) Secured a rate lock through sofi.com at 3.0% on a 30 year fixed conventional mortgage a few days later
3) Tried to get Better.com to match but they couldn't because I already rate locked. The only way they woul drop my rate is if their source of truth for market rates dropped by more than .25%, in which case they would float me down 1/8th of a percent.
4) Took my sofi.com loan estimate to Rocket Mortgage since they too offer the $2,500 statement credit and they issued enough lender credits to nearly match the Sofi deal but the final rate came in at 3.125%!
Ultimately, I am going to move forward with Rocket Mortgage. I'll get the $2500 statement credit and a lower rate than what Better.com was offering.
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1) Secured a rate lock with Better.com at 3.375% on a 30 years fixed conventional mortgage about a week ago with all closings costs rolled in and no points.
2) Secured a rate lock through sofi.com at 3.0% on a 30 year fixed conventional mortgage a few days later
3) Tried to get Better.com to match but they couldn't because I already rate locked. The only way they woul drop my rate is if their source of truth for market rates dropped by more than .25%, in which case they would float me down 1/8th of a percent.
4) Took my sofi.com loan estimate to Rocket Mortgage since they too offer the $2,500 statement credit and they issued enough lender credits to nearly match the Sofi deal but the final rate came in at 3.125%!
Ultimately, I am going to move forward with Rocket Mortgage. I'll get the $2500 statement credit and a lower rate than what Better.com was offering.
Join The Conversation
Share your experience with the Slickdeals community
Share information with the community. Please follow our Community Guidelines and be kind!