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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Any feedback for Ravenswood Title from your experience?
- Lender's Title Insurance: There are few big underwriters (such has First American Title Insurance Company, Chicago Title Insurance Co, Fidelity National Title Insurance Company; just go their website and get pricing after reissue credit) who provides this service. The cost depends upon property value, zipcode and insurance company. It is $950 (max around $1200) for my property. I am eligible for a reissue credit of about $450 (since I refinanced during Nov 2019). I just provided a copy of previous title insurance document. Some companies have their own offices locally. Else they work with independent agents (who work with many underwriters).
- Title Settlement Fee: The Title Company/Agent does paperwork. They charge a flat fee ($450-700 or more). In some states, their fee is fixed. They get title insurance pricing information from various underwriters and will choose one.
- Go to this site and look for various tile insurance companies for your zipcode. You can call them (or visit their website) and get pricing and reissue credit information:
https://www.homeclosing
- Checkout Title Forward (Redfin). Services few states such as for Colorado, Florida, Georgia, Illinois, Maryland, Minnesota, New Jersey, Pennsylvania, Tennessee, Texas, Virginia, Washington D.C., and Wisconsin. They have good rates. However their website gives quote for states where they dont service also.
https://www.titleforwar
Check out this from ABC news:
https://abcnews.go.com/Business/h...t%20common.
"If you are refinancing -- or buying a house that the seller purchased less than 10 years ago -- the reissue rate is available to you. The idea is that a shorter time period means a shorter title search so a "shorter" fee is in order. The discount ranges from 25 to 60 percent off, with 40 percent being the most common.
Here's the rub: Many title companies won't offer the reissue rate unless you ask, and believe it or not, the government doesn't require them to. So ask. Inquire. Demand! In order to qualify for the reissue rate, you may have to provide proof that there is a valid title insurance policy in place. If you are refinancing, that's easy. Just dig up your old policy. If you are buying, ask the seller if they can provide a copy of their title policy. Most sellers will happily do this because they are asking the same favor of whomever they are buying their next house from."
- Lender's Title Insurance: There are few big underwriters (such has First American Title Insurance Company, Chicago Title Insurance Co, Fidelity National Title Insurance Company; just go their website and get pricing after reissue credit) who provides this service. The cost depends upon property value, zipcode and insurance company. It is $950 (max around $1200) for my property. I am eligible for a reissue credit of about $450 (since I refinanced during Nov 2019). I just provided a copy of previous title insurance document. Some companies have their own offices locally. Else they work with independent agents (who work with many underwriters).
- Title Settlement Fee: The Title Company/Agent does paperwork. They charge a flat fee ($450-700 or more). In some states, their fee is fixed. They get title insurance pricing information from various underwriters and will choose one.
- Go to this site and look for various tile insurance companies for your zipcode. You can call them (or visit their website) and get pricing and reissue credit information:
https://www.homeclosing
- Checkout Title Forward (Redfin). Services few states such as for Colorado, Florida, Georgia, Illinois, Maryland, Minnesota, New Jersey, Pennsylvania, Tennessee, Texas, Virginia, Washington D.C., and Wisconsin. They have good rates. However their website gives quote for states where they dont service also.
https://www.titleforwar
Check out this from ABC news:
https://abcnews.go.com/Business/h...t%20common.
"If you are refinancing -- or buying a house that the seller purchased less than 10 years ago -- the reissue rate is available to you. The idea is that a shorter time period means a shorter title search so a "shorter" fee is in order. The discount ranges from 25 to 60 percent off, with 40 percent being the most common.
Here's the rub: Many title companies won't offer the reissue rate unless you ask, and believe it or not, the government doesn't require them to. So ask. Inquire. Demand! In order to qualify for the reissue rate, you may have to provide proof that there is a valid title insurance policy in place. If you are refinancing, that's easy. Just dig up your old policy. If you are buying, ask the seller if they can provide a copy of their title policy. Most sellers will happily do this because they are asking the same favor of whomever they are buying their next house from."
- Lender's Title Insurance: There are few big underwriters (such has First American Title Insurance Company, Chicago Title Insurance Co, Fidelity National Title Insurance Company; just go their website and get pricing after reissue credit) who provides this service. The cost depends upon property value, zipcode and insurance company. It is $950 (max around $1200) for my property. I am eligible for a reissue credit of about $450 (since I refinanced during Nov 2019). I just provided a copy of previous title insurance document. Some companies have their own offices locally. Else they work with independent agents (who work with many underwriters).
- Title Settlement Fee: The Title Company/Agent does paperwork. They charge a flat fee ($450-700 or more). In some states, their fee is fixed. They get title insurance pricing information from various underwriters and will choose one.
- Go to this site and look for various tile insurance companies for your zipcode. You can call them (or visit their website) and get pricing and reissue credit information:
https://www.homeclosing
- Checkout Title Forward (Redfin). Services few states such as for Colorado, Florida, Georgia, Illinois, Maryland, Minnesota, New Jersey, Pennsylvania, Tennessee, Texas, Virginia, Washington D.C., and Wisconsin. They have good rates. However their website gives quote for states where they dont service also.
https://www.titleforwar
Check out this from ABC news:
https://abcnews.go.com/Business/h...t%20common.
"If you are refinancing -- or buying a house that the seller purchased less than 10 years ago -- the reissue rate is available to you. The idea is that a shorter time period means a shorter title search so a "shorter" fee is in order. The discount ranges from 25 to 60 percent off, with 40 percent being the most common.
Here's the rub: Many title companies won't offer the reissue rate unless you ask, and believe it or not, the government doesn't require them to. So ask. Inquire. Demand! In order to qualify for the reissue rate, you may have to provide proof that there is a valid title insurance policy in place. If you are refinancing, that's easy. Just dig up your old policy. If you are buying, ask the seller if they can provide a copy of their title policy. Most sellers will happily do this because they are asking the same favor of whomever they are buying their next house from."
- Lender's Title Insurance: There are few big underwriters (such has First American Title Insurance Company, Chicago Title Insurance Co, Fidelity National Title Insurance Company; just go their website and get pricing after reissue credit) who provides this service. The cost depends upon property value, zipcode and insurance company. It is $950 (max around $1200) for my property. I am eligible for a reissue credit of about $450 (since I refinanced during Nov 2019). I just provided a copy of previous title insurance document. Some companies have their own offices locally. Else they work with independent agents (who work with many underwriters).
- Title Settlement Fee: The Title Company/Agent does paperwork. They charge a flat fee ($450-700 or more). In some states, their fee is fixed. They get title insurance pricing information from various underwriters and will choose one.
- Go to this site and look for various tile insurance companies for your zipcode. You can call them (or visit their website) and get pricing and reissue credit information:
https://www.homeclosing
- Checkout Title Forward (Redfin). Services few states such as for Colorado, Florida, Georgia, Illinois, Maryland, Minnesota, New Jersey, Pennsylvania, Tennessee, Texas, Virginia, Washington D.C., and Wisconsin. They have good rates. However their website gives quote for states where they dont service also.
https://www.titleforwar
Check out this from ABC news:
https://abcnews.go.com/Business/h...t%20common.
"If you are refinancing -- or buying a house that the seller purchased less than 10 years ago -- the reissue rate is available to you. The idea is that a shorter time period means a shorter title search so a "shorter" fee is in order. The discount ranges from 25 to 60 percent off, with 40 percent being the most common.
Here's the rub: Many title companies won't offer the reissue rate unless you ask, and believe it or not, the government doesn't require them to. So ask. Inquire. Demand! In order to qualify for the reissue rate, you may have to provide proof that there is a valid title insurance policy in place. If you are refinancing, that's easy. Just dig up your old policy. If you are buying, ask the seller if they can provide a copy of their title policy. Most sellers will happily do this because they are asking the same favor of whomever they are buying their next house from."
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"If you are buying, ask the seller if they can provide a copy of their title policy. Most sellers will happily do this because they are asking the same favor of whomever they are buying their next house from."
For PR, title insurance and settlement fees are $451 and $495 (as per Better's LE). When I called the title company shown on the LE, they mentioned that this is the lowest rate and I did not shop around.
For my IP (different state), the title insurance and settlement was $1100 and $500. I shopped around and found out that the title insurance ranged between $950 and $1100. After reissue credit, it was around $400-450. The settlement fee in certain states are fixed. I am not sure whether I have to use to title agent in the state where the property is or not.
"If you are buying, ask the seller if they can provide a copy of their title policy. Most sellers will happily do this because they are asking the same favor of whomever they are buying their next house from."
I am refinancing both primary residence and investment property.
For PR, title insurance and settlement fees are $451 and $495 (as per Better's LE). When I called the title company shown on the LE, they mentioned that this is the lowest rate and I did not shop around.
For my IP (different state), the title insurance and settlement was $1100 and $500. I shopped around and found out that the title insurance ranged between $950 and $1100. After reissue credit, it was around $400-450. The settlement fee in certain states are fixed. I am not sure whether I have to use to title agent in the state where the property is or not.
I believe reissue rate applies only, if you ask for it prior to closing. I dont think you can get refund of title insurance for those properties that you closed few weeks or months ago. I could be wrong.
Owning just quoted me 2.99 apr no fees IF i pay down to 510k for 21 year mortgage. I was looking at 20 year.
Weird but owning apparently does not do 20
Year mortgage.
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