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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For reference this is round 2 for me so I'm pretty familiar with their process.
For reference this is round 2 for me so I'm pretty familiar with their process.
My loan consultant failed to match rates from 3 other lenders, and told me the price match offer does not apply for the reasons listed below.
The fine print basically allows better.com not price match anyone. Most loan rates are determined based on the Credit Score, Debt to Income Ratio, and Loan to Value Ratio. It varies based on the deal, and most people with good or excellent credit get a discount on advertised rates.
Better.com has a nice website, but they are pretty shiesty. I woudl stay away from them if you have good credit, you can get superior pricing elsewhere.
Fine Print:
9. Offer cannot be combined with any other promotion. Offer is invalid if the borrower submits an LE from a lender with a rate that is not publicly available (e.g., requiring a minimum amount of assets under management). Each borrower may only take advantage of this offer once per loan application.
10. Better Mortgage reserves the right to rescind or modify the terms of this offer without prior notice.
My loan consultant failed to match rates from 3 other lenders, and told me the price match offer does not apply for the reasons listed below.
This basically let's better.com not price match anyone. Most loan rates are determined based on the Credit Score, Debt to Income Ratio, and Loan to Value Ratio. It varies based on the deal, and most people with good or excellent credit get a discount on advertised rates.
Better.com has a nice website, but they are pretty shiesty. I woudl stay away from them if you have good credit, you can get superior pricing elsewhere.
Fine Print:
9. Offer cannot be combined with any other promotion. Offer is invalid if the borrower submits an LE from a lender with a rate that is not publicly available (e.g., requiring a minimum amount of assets under management). Each borrower may only take advantage of this offer once per loan application.
10. Better Mortgage reserves the right to rescind or modify the terms of this offer without prior notice.
Here are the individuals that I worked with:
Mak Bonakdar / Diego Gonzalez
I applied with Better.com on 6/22. Better had the worst rates (by far!) out of all of the other mortgage lenders that I checked. I worked with a concierge, who told me they would match any price I received.
I sent Better.com two Loan Estimates. The first one, they agreed to match but added an $1800 lender fee in points, which was not on the other estimate. They flatly refused to match the second estimate or to honor the price match guarantee listed on the website.
Two online lenders and my local credit union offered pricing that was substantially cheaper than better.com. As a side note, I plan to list a complaint on consumerfinance.gov, BBB, and Amex for misleading information provided on their website. Hopefully, this will discourage people from using them in the future and wasting there time and applying and accessing their credit reports.
For reference this is round 2 for me so I'm pretty familiar with their process.
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It's not worth paying $3200 extra for a loan to get a $2500 Amex credit.......
My loan consultant failed to match rates from 3 other lenders, and told me the price match offer does not apply for the reasons listed below.
This basically let's better.com not price match anyone. Most loan rates are determined based on the Credit Score, Debt to Income Ratio, and Loan to Value Ratio. It varies based on the deal, and most people with good or excellent credit get a discount on advertised rates.
Better.com has a nice website, but they are pretty shiesty. I woudl stay away from them if you have good credit, you can get superior pricing elsewhere.
Fine Print:
9. Offer cannot be combined with any other promotion. Offer is invalid if the borrower submits an LE from a lender with a rate that is not publicly available (e.g., requiring a minimum amount of assets under management). Each borrower may only take advantage of this offer once per loan application.
10. Better Mortgage reserves the right to rescind or modify the terms of this offer without prior notice.
Better.com is NOT honoring the price match guarantee on their website with the AMEX offer.
If you have excellent or good credit, shop around. You can likely find superior pricing, even if you don't get the $2500 credit from Better.com
Sign up for a Slickdeals account to remove this ad.
It's not worth paying $3200 extra for a loan to get a $2500 Amex credit.......
My loan consultant failed to match rates from 3 other lenders, and told me the price match offer does not apply for the reasons listed below.
This basically let's better.com not price match anyone. Most loan rates are determined based on the Credit Score, Debt to Income Ratio, and Loan to Value Ratio. It varies based on the deal, and most people with good or excellent credit get a discount on advertised rates.
Better.com has a nice website, but they are pretty shiesty. I woudl stay away from them if you have good credit, you can get superior pricing elsewhere.
Fine Print:
9. Offer cannot be combined with any other promotion. Offer is invalid if the borrower submits an LE from a lender with a rate that is not publicly available (e.g., requiring a minimum amount of assets under management). Each borrower may only take advantage of this offer once per loan application.
10. Better Mortgage reserves the right to rescind or modify the terms of this offer without prior notice.
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