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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I also noticed, "Services you can shop for" they have added additional $250 to actual LE given during the lock. Is this common ? Not sure if I can ask for price adjustment.
Can someone clarify ? Thanks in advance
I also noticed, "Services you can shop for" they have added additional $250 to actual LE given during the lock. Is this common ? Not sure if I can ask for price adjustment.
Can someone clarify ? Thanks in advance
If you are locked they would be be unlikely to change loan terms as they are bound by their lender agreement on no changing terms after locking.
- June 12th, final closing disclosures and has me select my Closing Date. Picked first available with he minimum 3 business days legally. June 16th Closing Selected
- June 15th. Received New Closing Disclosure with lower Closing Costs
- June 16th. Received an even newer closing disclosure from the prior day with costs lowered once more. Notary came to my house, wore mask, signed all papers in about an hour or so.
- June 17th, sent wire for Escrow/cash to close.
- June 21st is Funding Date
Just for everyones knowledge I was in Forebearance when I started the process.Sign up for a Slickdeals account to remove this ad.
I also noticed, "Services you can shop for" they have added additional $250 to actual LE given during the lock. Is this common ? Not sure if I can ask for price adjustment.
Can someone clarify ? Thanks in advance
Title - Endorsements $192
Title - Guaranty fee $2
Title - Lender's title insurance $2,337
Title - Settlement fee $225
Title - Tax certificate $75
i asked for the reissue rate of the title but they haven't updated that yet. this seems really high.
If you are locked they would be be unlikely to change loan terms as they are bound by their lender agreement on no changing terms after locking.
Title - Lender's Title Insurance
Title - Settlement Fee
Title - Endorsements
Included (not present LE)
Credit Report
Flood Certification
Title - CPL
Thankfully, in the end, I pushed Better b/c the CU didn't penalize me for waiving escrow and Better agreed to give me the lower point cost w/o adding the escrow in.
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