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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Just talked to a guy at Mutual of Omaha, (via costco).
He is wanting to send a disclosure at 3.25% for a 25 yr, and he said the currently expired rates from today would mean $1400 in pts, (on 199K) to get me to 3.125%, but he wants to disclose at 3.25% and can just discuss pts later. I said, so if rates go lower, and I lock will you send me an updated GFE?
He said, well I'll just email you and say the rate is locked at xx.
What am I doing wrong as I NEED a firm GFE to send to better, WHENEVER I am ready to do so once I'm done rate watching.
Are these guys wanting to avoid sending a GFE if they think the person is shopping it?
How are you guys getting them to send a GFE later?
aka, this guy will send one now at 3.25% and $1500 in closings, but I am watching and if I can snag a 3.125% and $1500 then I want better to match it, and beat the fees by $1000, so I need a formal GFE for betters review right?
The aim guy was dumb because I'm not paying an appraisal fee just to get a locked rate and a GFE.
Also, this Mutual of Omaha guy said fees and terms were better on 199K instead of the 201K I first asked for, so have to pay about $1000 to drop the principle, no problem. I would have thought a larger amount would be more favorable since the lender makes more net interest dollars on a higher principle.
Just found out about this post.
i do have amex cards but no offer
i want to refinance current rate is 4.35 loan amount will be around 315000
can someone walk me thru the process
i would really appreciate it
Thank you so much!
god bless.
Step 2: Apply to better mortgage through the link in first page of thread if you have a valid amex for this offer. Read thread if not sure if you have a valid Amex.
Step 3: Apply to lots of other mortgage companies, you will get a metric ton of phone calls from loan officers, answer them, they will offer attractive rates. Ask to see the rate quote emailed to you so you can compare it. Some used in this thread are: sofi, quicken loans...I used a rate from amerisave. You have 14 days to do this without additionally impacting your credit score.
Step 4: Ask better to match and lock the rate that most fits what you're looking for, confirming it will still get the Amex credit.
For each step, if you don't know how to do it, there are a ton of posts in this thread with more detail.
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Part of why the closing costs are low is because I got an appraisal waiver.
that's the structure of literally every long-term loan, including your 15y
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