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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After a week of no response to any of my emails, I started calling his office and leaving messages with other people. After the third call in three days he finally started emailing me again. Here's how everything unfolded for me:
First he claimed that the form I sent him was not the proper loan estimate form so he couldn't match. So I emailed him back the correct loan estimate as he asked.
Then he said that he couldn't match the offer since my refinance was only for 110k. They deal primarily with mortgages in the 300-600k range. In the Midwest that is more then most homes sell for. So since he refused to beat the quote I asked for the $1000 guarantee.
Then he claimed that a credit union refinance is not a public offer since you have to be a member and put $5 in a savings account. He blamed it on his legal department. I immediately wrote him back and asked his legal department to review. This credit union is open to anyone that resides in the 5 counties of SE Michigan. It's not any kind of closed club.
Two minutes later he responds that he has seen this issue with my credit union before and the legal department will not make an exception for me. I honestly find it hard to believe that a banker in New York has any idea about my local credit union, or that he checked with any "legal department" that fast.
So clearly my experience with Better.com was a pure bait and switch scam. I filed a complaint with Amex and I sent a complaint to the Michigan Department of Insurance and Financial services. They already asked for a copy of my emails with Better and they said it appears to be a violation of the Michigan Consumer Mortgage Protection Act. I hope everyone else has better luck dealing with these guys but be careful. If you find a good credit union rate, they will probably give you a hard time. Also if you live in the middle of the country with a smaller mortgage balance, they will probably give you a hard time.
After they scheduled my closing appointment, they sent another task shortly after for the AMEX Card.
After they scheduled my closing appointment, they sent another task shortly after for the AMEX Card.
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By the way, Better uses the St. Louis Fed for calculating their down floats, in case anyone is interested:
https://fred.stlouisfed
After a week of no response to any of my emails, I started calling his office and leaving messages with other people. After the third call in three days he finally started emailing me again. Here's how everything unfolded for me:
First he claimed that the form I sent him was not the proper loan estimate form so he couldn't match. So I emailed him back the correct loan estimate as he asked.
Then he said that he couldn't match the offer since my refinance was only for 110k. They deal primarily with mortgages in the 300-600k range. In the Midwest that is more then most homes sell for. So since he refused to beat the quote I asked for the $1000 guarantee.
Then he claimed that a credit union refinance is not a public offer since you have to be a member and put $5 in a savings account. He blamed it on his legal department. I immediately wrote him back and asked his legal department to review. This credit union is open to anyone that resides in the 5 counties of SE Michigan. It's not any kind of closed club.
Two minutes later he responds that he has seen this issue with my credit union before and the legal department will not make an exception for me. I honestly find it hard to believe that a banker in New York has any idea about my local credit union, or that he checked with any "legal department" that fast.
So clearly my experience with Better.com was a pure bait and switch scam. I filed a complaint with Amex and I sent a complaint to the Michigan Department of Insurance and Financial services. They already asked for a copy of my emails with Better and they said it appears to be a violation of the Michigan Consumer Mortgage Protection Act. I hope everyone else has better luck dealing with these guys but be careful. If you find a good credit union rate, they will probably give you a hard time. Also if you live in the middle of the country with a smaller mortgage balance, they will probably give you a hard time.
What do you mean? Locked last week 3.125 with 1800 lender credit
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