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!!
expiredGreenworld123 posted Dec 08, 2019 02:27 PM
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expiredGreenworld123 posted Dec 08, 2019 02:27 PM
Amex offer: $2,500 statement credit for home refinance Better.com
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Better will match that offer but will not give me the extra 1000 to BEAT the offer. I thought that was part of their deal, to pay an extra 1k to beat an offer. Can someone weigh in ? My rep is telling me I cant get the extra 1000.00 credit.
Better will match that offer but will not give me the extra 1000 to BEAT the offer. I thought that was part of their deal, to pay an extra 1k to beat an offer. Can someone weigh in ? My rep is telling me I cant get the extra 1000.00 credit.
Better will match that offer but will not give me the extra 1000 to BEAT the offer. I thought that was part of their deal, to pay an extra 1k to beat an offer. Can someone weigh in ? My rep is telling me I cant get the extra 1000.00 credit.
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I negotiated and locked on May 29th for 2.875 on a 30 yr fixed with better offering 1000 $ more in lender credits plus the $2500 on Amex.
Appraisal on May 30, report on June 2
went to underwriting on June 5
Went to closing on June 8 and the loan is getting funded on June 12
15 days end to end and I was always on top of the paperwork. Never have i experienced a better service.
I negotiated and locked on May 29th for 2.875 on a 30 yr fixed with better offering 1000 $ more in lender credits plus the $2500 on Amex.
Appraisal on May 30, report on June 2
went to underwriting on June 5
Went to closing on June 8 and the loan is getting funded on June 12
15 days end to end and I was always on top of the paperwork. Never have i experienced a better service.
I negotiated and locked on May 29th for 2.875 on a 30 yr fixed with better offering 1000 $ more in lender credits plus the $2500 on Amex.
Appraisal on May 30, report on June 2
went to underwriting on June 5
Went to closing on June 8 and the loan is getting funded on June 12
15 days end to end and I was always on top of the paperwork. Never have i experienced a better service.
Just wondering as you mention $1k in lender credits, does this mean you have any net closing costs (D+E on loan estimate) after accounting for the Amex credit?
I am closing this week with the same rate of 2.875% as you with Better for 30 year fixed rate cash out refi and for me the closing costs for D+E minus $1365 in lender credits comes to about $1200 so after factoring in the Amex $2500 credit will end up totaling -$1300 without counting the prepaid escrow.
Think couldve had a better deal by perhaps additional $1k-$2k lender credits or maybe a 2.75% interest rate with same fees but unfortunately my credit score came in the lower 700s due to a stupid $20 charge made 6 months ago by EZ Pass on a credit card after it was already closed and I wasnt aware of it for several months (The CC company even agreed to waive the late charges after I noticed it and paid the $20 but credit bureaus refused to remove it on my dispute!)
Just wondering as you mention $1k in lender credits, does this mean you have any net closing costs (D+E on loan estimate) after accounting for the Amex credit?
I am closing this week with the same rate of 2.875% as you with Better for 30 year fixed rate cash out refi and for me the closing costs for D+E minus $1365 in lender credits comes to about $1200 so after factoring in the Amex $2500 credit will end up totaling -$1300 without counting the prepaid escrow.
Think couldve had a better deal but unfortunately my credit score came in the lower 700s due to a stupid $20 charge made 6 months ago by EZ Pass on a credit card after it was already closed and I wasnt aware of it for several months (The CC company even agreed to waive the late charges after I noticed it and paid the $20 but credit bureaus refused to remove it on my dispute!)
Sign up for a Slickdeals account to remove this ad.
I negotiated and locked on May 29th for 2.875 on a 30 yr fixed with better offering 1000 $ more in lender credits plus the $2500 on Amex.
Appraisal on May 30, report on June 2
went to underwriting on June 5
Went to closing on June 8 and the loan is getting funded on June 12
15 days end to end and I was always on top of the paperwork. Never have i experienced a better service.
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