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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Wife and I closed a few months ago nd got the credit, with me as the "primary" borrower - any chance we can refi again and get the credit, with her as the primary? Have plenty of amex cards to spread the offer around to.
Still no check yet and it's been over a month and a half. No updates either.
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I'm at 3.25% for 30. On $200k. 800+ credit. It was through cardinal fiancé which was actually applied through Sebonic.
They are the only ones who sent me a couple LE without a bunch of hassle and grief.
1) May payment to your current lender
2) Prepaid Interest for XX days from closing to end of May or lock expiration (must close before then)
3) No June Payment
If you close end of April you will have the following:
1) Prepaid Interest for XX days from closing to end of April (lower number of days)
2) No May Payment
If your goal is to hold on to the most money then closing end of April is my advice.
As for daily interest maybe I'm missing something but I'm gonna pay interest every day to someone regardless and right now in this pandemic situation more cash in hand is better until things smooth out.
I did shop around. I had a local vendor submit a quote that was slightly better. Better matched it no problem. I got a 3.5% for a 30 year. After lender credits, my closing costs were under $100.
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Also have HELOC taken out the same year.
Refinancing the mortgage to 15 year with Wells and was able to lock for 2.75% and 3/8th points (120 day lock) APR 2.914. I did shopping around and no one was really able to do better on rate or closing fees. I figured the CEMA would also be easier if doing it with the same bank
Since property is in NY, we will be doing a CEMA.
Closing costs are high though - but at least it was all rolled in
$1500 for Title and attorney (after shopping around for it)
$1000 for "loan processing" - this is bogus but they would not waive it
$1339 for the 3/8 points
$2800 for the recording fees
$625 appraisal and credit fee
Upset that i was not able to include the HELOC in this loan, since Wells stopped doing cash out refi - but i was really happy with the refi rate and didnt want to take any chances of losing out on this for the primary mortgage.
If anyone has any thoughts or suggestions on the above, please do let me know!
Should I see if Better.com would match or beat?
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