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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Flood Cert: $14
Lender's Title Ins (Radian): $450
Settlement Fee (Radian): $450
Also, not sure why you asked this question twice in an hour.
Also, not sure why you asked this question twice in an hour.
My understanding was that it was A + B + C + E - (minus) lender credits.
The company with the APR that matches the interest rate in their LE won't go lower because they said Better.com's APR is higher even though it had less closing costs after lender credits.
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Round I - 3.625% with 4.7K lender credit. Closed in Feb. Amex credit posted after 6 weeks
Round II - 3.25% with 4.3K lender credit. Closed in April. Still waiting for Amex credit. Its 7 weeks already
Round III - 2.875 with 4.7K lender credit. In process.
If AMEX credit posts for all this will be the slickest deal ever. If not still worth it. Savings of thousands of dollar in interest plus each refinance is money maker.
Currently, I am looking at 2 separate offers at 15 year fixed for a 109K loan:
1 is for 3% with 0 points and 3K Closing costs
2 is for 2.875% with 0 points and 4-4.5K Closing costs
Wondering how good these offers are in California currently, im in zip code 93013.
Both banks told me that the rates are slightly higher due to the loan amount being less than 200K.
Not looking for the absolute best rate, as long as they are good, I'm happy. But if it would be pretty easy to find a bit better rate with lower closing costs, I do have the time to do so.
Also, are there any other numbers I should be focusing on beside the interest rate and total closing costs?
Currently, I am looking at 2 separate offers at 15 year fixed for a 109K loan:
1 is for 3% with 0 points and 3K Closing costs
2 is for 2.875% with 0 points and 4-4.5K Closing costs
Wondering how good these offers are in California currently, im in zip code 93013.
Both banks told me that the rates are slightly higher due to the loan amount being less than 200K.
Not looking for the absolute best rate, as long as they are good, I'm happy. But if it would be pretty easy to find a bit better rate with lower closing costs, I do have the time to do so.
Also, are there any other numbers I should be focusing on beside the interest rate and total closing costs?
hard to compare if we dont know the length and amounts
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Round I - 3.625% with 4.7K lender credit. Closed in Feb. Amex credit posted after 6 weeks
Round II - 3.25% with 4.3K lender credit. Closed in April. Still waiting for Amex credit. Its 7 weeks already
Round III - 2.875 with 4.7K lender credit. In process.
If AMEX credit posts for all this will be the slickest deal ever. If not still worth it. Savings of thousands of dollar in interest plus each refinance is money maker.
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