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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I submitted my application on LenderFi, selected the 15Y 2.5% rate from a list of LenderFi purposed rates. But, all I got was only an Approval Letter. Can't find their Loan Estimate so far. I also uploaded all the To-Docs. (W2, mortgage statement, paystub, etc.) My question is, how do I get their Loan Estimate?
Maybe I didn't e-Sign yet? Seems can't multi-tasks nowadays!
When I click the agent's picture, it shows,
"Be rest assured that I received your loan application and am working on it. Give me 1-2 days to prepare your initial disclosures.
If you need anything from me in the meantime, please do not hesitate to contact me above.
"
When I click the agent's picture, it shows,
"Be rest assured that I received your loan application and am working on it. Give me 1-2 days to prepare your initial disclosures.
If you need anything from me in the meantime, please do not hesitate to contact me above.
"
https://6376647498.mort
From there, I could see the agent's name at the bottom and my "Initial Disclosures for Signature" at the top. Note, the email came from the assistant and not the loan officer himself.
Jumbo loan
April 22nd: Called/Emailed Better.com asking if they match/beat 2 other offers (3.25%)
April 28th: Locked at 3.25 with $1800 closing (Mostly prepaid items)
April/May 28th - 15th: inputted all info...
May 16th: Entered Amex info. Confirmed to sign May 20th.
May 18th: Got 2 quotes from Quicken for 3% with $1500 closing costs. I sent this to Better.com and they were to update and match the 3% with $1500 closing costs on my May 20th sign off date.
May 26th: Fully funded today.
Now awaiting my $2500 credit for profit of $1000!!
https://6376647498.mort
From there, I could see the agent's name at the bottom and my "Initial Disclosures for Signature" at the top. Note, the email came from the assistant and not the loan officer himself.
https://6376647498.mortgage-appli...login.aspx [mortgage-application.net]
From there, I could see the agent's name at the bottom and my "Initial Disclosures for Signature" at the top. Note, the email came from the assistant and not the loan officer himself.
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So, I guess it depends on the agent.
So, I guess it depends on the agent.
Also, LenderFi was able to waive my appraisal, that maybe a factor why my agent can send me the link without asking the payment first.
Also, LenderFi was able to waive my appraisal, that maybe a factor why my agent can send me the link without asking the payment first.
Cardinal Financial quoted me and they were actually competitive, even with their app/origination fees. However, because of the current market, they would not let me lock the rate until I a conditional approval. While I may not like that process that they won't rate lock until conditional approval, it isn't unreasonable.
The LenderFi agent refusing to provide a Loan Estimate to cyno as required by loan for all loan applications is shady. it means they classified you as getting a rate quote, but not submitting an application. LenderFi was not competitive for me (they wanted $6.5k in closing costs for a rate Better offered to do at $1,500 in closing costs), but if they were, such an action would have made me walk. There are other lenders out there.
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