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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is this a good offer?
Getting rates with Better.com as close to no points as possible.
3.375 $261 in points.
AimLoan.com is showing 2.875 with $602 in points.
Better is $2,460 in points for the same rate.
Do I have to apply for the loan through Aim or is a screen shot of their rates enough to try and get Better to match?
Getting rates with Better.com as close to no points as possible.
3.375 $261 in points.
AimLoan.com is showing 2.875 with $602 in points.
Better is $2,460 in points for the same rate.
Do I have to apply for the loan through Aim or is a screen shot of their rates enough to try and get Better to match?
I'm in GA as well, but I don't want 15 year loan since I just moved to 20 year.
I got an email saying "You've earned Amex Statement Credit" and then I check my account which shows the $2500 credit.
I closed at 3.375 for 20 year, so hoping to refinance one more time soon.
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Competitor Loan cost = $9196 - $8210 = $986
Better Loan Coast = $1714 - $1728 = -$14
$986 - (-$14) = $1,000
I don't think they "moved" loan fees into escrow. The escrow estimate is just different, probably based on their assumptions for insurance and taxes. Regardless, escrow is still "your" money. They're just holding it for you.
15yr, 2.375%, no points
Tennessee
04/23 - Loan Lock at 3.25% with $4800 credit after matching LenderFi
04/24 - Conditionally approved
04/30 - Appraisal waived
<Multiple counts of them changing my requested loan amount>
05/12 - Initial disclosure sent (Loan amount still wrong.)
05/13 - Appraisal required (exterior only)
05/13 - Appraisal scheduled (Better ordered interior)
05/15 - Multiple calls and emails to Better go ignored and they don't cancel the interior appraisal
05/15 - Appraisal
05/20 - Final appraisal sent to Better
05/27 - Better claims that they are still waiting on final appraisal.
05/27 - Direct Better to response from appraisal and MAGICALLY they see the completed appraisal
05/28 - Appraisal came in lower than estimated appraisal so they remove $1000 in Lender credit. Mind you, this was a matched rate. (Loan amount still wrong.)
05/29 - Plenty of complaints lead closer to request a concession from management which puts me about $100 in lender credit higher than originally.
06/05 - Closing rescheduled
06/09 - Closing
06/15 - Funded
06/15 - Rate lock expiration date.
So all in all it took almost 7 weeks from rate lock to closing and 8 weeks from rate lock to funding.
Better also offered me a 2.25% 15-year with 3k in credits. It's getting more competitive out there for sure.
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Getting rates with Better.com as close to no points as possible.
3.375 $261 in points.
AimLoan.com is showing 2.875 with $602 in points.
Better is $2,460 in points for the same rate.
Do I have to apply for the loan through Aim or is a screen shot of their rates enough to try and get Better to match?
Also, Amerisave will give you a copy of your mortgage FICO scores from all 3 bureaus with just a soft credit pull. Your credit report would need to be unfrozen for this. Mortgage FICO are different than the credit card FICOs (e.g. if your bank shows your FICO score, or if you got it from a recent credit card application), and from the FAKO scores on Credit Karma, Mint, etc.
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