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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I have a friend that did this a month ago and he is saying his Better rep told him he had to choose one or the other.
Also, was wondering which lenders tend to be most aggressive with price-matching and negotiations? So far I've seen some mentions of Aimloan and SoFi...anyone else I should be rate-shopping with?
Credit Score 800
House Cost $160K, Loan $128K
15Yr Conventional Loan.
Interest Rate 2.125%
APR 2.335%
D. Total Loan Cost (A+B+C) $3629.52
I started applying several mortgage company
March 1 (AI*, Bet***, Ca**2Cl***, Prov*****, S*f*, SSF**, RBF**) and
March 2 (BB**, Fair***).
Rates: Interest APR D.Total Loan Cost
Ai*: 2.875% 3.04% $4415
Better: 3.0 % 3.353% ?
Better Price match Ai* but would not match S*F* 2.5, their offer:
Better* 2.875 3.258 $4359
S*F*: 2.5 % 2.71% $4357
Ca**2Cl*** 3.25% 3.341% $3931
SSF** 2.125% 2.343% $4683
Prov***** 2.875% 3.292% $6140
Fair*** 3.25 3.4
Rates for BB** and RBF** wasn't given because either they want more documents and/or employment verification. I decided I wont get anything better than 2.125%.
Some lender sent me the official loan estimate but most gave me unofficial loan estimate. I did not realize S*f* sent me my LE when they ask you to DocuSign on 3/6. by the time I sent price match, Better refuse due to 3 days old on 3/9.
I've been watching rates daily between 3/1 to 3/20. I was fortune enough to get my lender SSF** to honor a rate I got on 3/9 a week later when rates increase. Better would not price match credit union so I decided to go with the better rate. I save more on interest compare to the 2.5K credit through better.
Lock Rate on 3/18. Sent all required documents
Conditional Approve 3/24
Appraisal 4/6
Received Closing Doc 4/13
Closing Date 4/15
If you have any question, feel free to ask or PM. Good luck everyone.
Part of why the closing costs are low is because I got an appraisal waiver.
3-25% $2500 in closing costs (excluding prepaid escrows. 30yr.
I got that yesterday and sent to better. Joy said she sent it to zack to crunch numbers
Hoping they beat by $1000 and I get my Amex deal.
I applied through aim. Sofi. Cardinal Mutual of Omaha and lending.com. Cardinal is best
I'm at 3.75% now with pmi so it cuts 3.5 yrs off my mortgage at same payment. If rates dip n June I can do this again
3-25% $2500 in closing costs (excluding prepaid escrows. 30yr.
I got that yesterday and sent to better. Joy said she sent it to zack to crunch numbers
Hoping they beat by $1000 and I get my Amex deal.
I applied through aim. Sofi. Cardinal Mutual of Omaha and lending.com. Cardinal is best
I'm at 3.75% now with pmi so it cuts 3.5 yrs off my mortgage at same payment. If rates dip n June I can do this again
Sign up for a Slickdeals account to remove this ad.
https://better.com/with/amex
https://better.com/with/amex
Thank you! How can i verify that the offer has been added to my card? Any way to do that?
Credit Score 800
House Cost $160K, Loan $128K
15Yr Conventional Loan.
Interest Rate 2.125%
APR 2.335%
D. Total Loan Cost (A+B+C) $3629.52
I started applying several mortgage company
March 1 (AI*, Bet***, Ca**2Cl***, Prov*****, S*f*, SSF**, RBF**) and
March 2 (BB**, Fair***).
Rates: Interest APR D.Total Loan Cost
Ai*: 2.875% 3.04% $4415
Better: 3.0 % 3.353% ?
Better Price match Ai* but would not match S*F* 2.5, their offer:
Better* 2.875 3.258 $4359
S*F*: 2.5 % 2.71% $4357
Ca**2Cl*** 3.25% 3.341% $3931
SSF** 2.125% 2.343% $4683
Prov***** 2.875% 3.292% $6140
Fair*** 3.25 3.4
Rates for BB** and RBF** wasn't given because either they want more documents and/or employment verification. I decided I wont get anything better than 2.125%.
Some lender sent me the official loan estimate but most gave me unofficial loan estimate. I did not realize S*f* sent me my LE when they ask you to DocuSign on 3/6. by the time I sent price match, Better refuse due to 3 days old on 3/9.
I've been watching rates daily between 3/1 to 3/20. I was fortune enough to get my lender SSF** to honor a rate I got on 3/9 a week later when rates increase. Better would not price match credit union so I decided to go with the better rate. I save more on interest compare to the 2.5K credit through better.
Lock Rate on 3/18. Sent all required documents
Conditional Approve 3/24
Appraisal 4/6
Received Closing Doc 4/13
Closing Date 4/15
If you have any question, feel free to ask or PM. Good luck everyone.
Interest Rate 2.125%
APR 2.335%
^^ good rate...which CU was that?
Has anyone who was NOT targeted received the $2500 already? I have a couple of Amex cards but I don't have this offer on either.
The third party costs on the Better dashboard are $1250. Is this the total closing costs or are there additional costs that aren't captured here?
Thanks all!
Interest Rate 2.125%
APR 2.335%
^^ good rate...which CU was that?
Sign up for a Slickdeals account to remove this ad.
Has anyone who was NOT targeted received the $2500 already? I have a couple of Amex cards but I don't have this offer on either.
The third party costs on the Better dashboard are $1250. Is this the total closing costs or are there additional costs that aren't captured here?
Thanks all!
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