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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I have bigger fears going to the store!
I e-mailed them to make sure that the AMEX offer was on my account and they assured me it was. I paid the appraisal fee upfront and was told it would be refunded.
The frustrating part to me is just how slimy they are with the entire thing though. I'm currently on a 30-year 3.75%. The guy on the phone yesterday tried to convince me that it was some grand idea to move to a 15-year at 3.75% and pay ~$2,350 in the process. Somehow netting $150 is worth locking me into a 15-year? Give me a break.
Of course, this was after I had already gone through the 2.375% offer with them that I had from another lender, and instead of trying to get close, they simply quoted me rack rates. Then they said their $1,000 guarantee was not going to apply because it was from a credit union (even though I could PM that CU to many other mortgage providers) and tried to convince me that I wasn't going to get that rate with the CU anyway once I actually get an official loan estimate (completely untrue).
I feel like this just isn't the deal for me. I need Better's $2,500 AmEx deal to make this worth my time, but they clearly do not give a hill of beans about the small loans, and boy are they fluid on that $1,000 guarantee. Their rates are not competitive at all for loans of my size, and if they are unwilling to match, then this is a non-starter for me, not to mention their response time is just awful.
Luckily, i had applied when the rates are low(i clicked the amex link i found here), before this even showed up on my card. I am thinking i can still get the credit.
Should be closing soon.
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P.S. Also, as a tip from personal experience, if you want to get the official email targeting you, make sure you opt into all the marketing/promotional emails on the americanexpress.com website. I received mine pretty soon (a week or two I think) after I opted in.
Sign up for a Slickdeals account to remove this ad.
P.S. Also, as a tip from personal experience, if you want to get the official email targeting you, make sure you opt into all the marketing/promotional emails on the americanexpress.com website. I received mine pretty soon (a week or two I think) after I opted in.
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