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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9,848 Comments
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There probably won't be another rate decrease from this point to make it worth it for me but we'll see.
Congratulations on funding your loan, Bluking! You can expect your American Express® statement credit to be applied to your account within 8-12 weeks.
To check eligibility requirements, you can review the terms at the bottom of the offer landing page or call the number on the back of your credit card.
Thanks again for working with Better.com!
Sean Ritter
Congratulations on funding your loan, Bluking! You can expect your American Express® statement credit to be applied to your account within 8-12 weeks.
To check eligibility requirements, you can review the terms at the bottom of the offer landing page or call the number on the back of your credit card.
Thanks again for working with Better.com!
Sean Ritter
Btw, folks, be sure to keep an eye on things even after funding until the dust settles. I kept checking all day and didn't see my old loan paid off. Finally in the late afternoon I reached out and asked for proof the wire was sent. That's when settlement agent let us know it wasn't sent since they were waiting on Better to tell them what day to pay off the loan. Ugh!! It got in just under the wire thankfully and my old loan now shows paid off.
Of the list you have given, how many did you get online vs direct broker contact?
USAA
State Farm
AllState
ASI Progressive
Phone call I hate to say worked the best, AllState had me submit some weird word doc questionaire, and they just went and punched some numbers into the computer. Some were like (allstate/statefarm) "We'll prepare a quote for you in 3-4 days", ASI and USAA gave me a quote the same moment.
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I got 3% 30 year + 900 credit from lenderfi. Bertter.com matched with +$1000 lender credit on top.
If everything goes planned. I pay $0 out of pocket get some credit towards my escrow +$2500 Amex credit. Lower my rate from 3.875 to 3.0.
I really didnt want to risk by waiting longer.
Signed up via the Amex offer link and my first emails from them confirmed the Amex info without me asking. The concierge introduced herself as "your Better Dedicated Concierge as part of the exclusive offer for eligible American Express® Card Members. Nice to meet you!"
I shopped around and ended up with the below rates (all ignoring prepaid escrow items):
Owning - 3% 30Yr with $0 total closing costs
LenderFi - 3% 30Yr with $0 total closing costs
BNC National Bank - 3% 30Yr with $500 total closing costs
First Morgage Direct - 3% 30Yr with $1k total closing costs
Home Plus Mortgage - 3% 30Yr with $1k total closing costs
Sebonic Financial - 3% 30Yr with $2k total closing costs
Lending.com - 3.125% 30Yr with $2k total closing costs
Better.com was able to match the best 3% 30Yr plus an additional $1k lender credit. Rate has been locked.
Moving from my current 3.375% 15yr to a 3% 30Yr and getting $1k net closing credit that'll be applied against my prepaid property tax and insurance. Plus the $2.5k Amex statement credit.
So far I've been happy with the smooth process and hope that continues.
I got 3% 30 year + 900 credit from lenderfi. Bertter.com matched with +$1000 lender credit on top.
If everything goes planned. I pay $0 out of pocket get some credit towards my escrow +$2500 Amex credit. Lower my rate from 3.875 to 3.0.
I really didnt want to risk by waiting longer.
I got 3% 30 year + 900 credit from lenderfi. Bertter.com matched with +$1000 lender credit on top.
If everything goes planned. I pay $0 out of pocket get some credit towards my escrow +$2500 Amex credit. Lower my rate from 3.875 to 3.0.
I really didnt want to risk by waiting longer.
2500 Amex expires in June I believe. If it fluctuates for a few weeks I might miss Amex credit. Refinance saves me 300 a month. That is the cost of waiting each month for me.
I am not saying I did the right thing but I couldn't really be that sure it would be much better if I wait.
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Once I have the docs, I will see if the better.com can match it Amex offer for a sweet deal.
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