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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https://imgur.com/a/DPfMq1y
What is the best 15/30 year rate I should try to aim for and what ideally should be closing fees?
At better, seeing 2.250% / APR 2.478% ,~Points: $3,400 payment, ~$2,800 in third party fees in third party fees.
Where others can I shop around- do you have pointers?
Lastly, if i purchase through better, they take care of escrow ? And appraisal fee is waived right?
I am sort of late in the game for the refi process but I just submitted the application with Better this morning, got the pre-approval, and assigned to a loan associate.
Any guidance to streamline the process would be greatly appreciated.
Since this is a purchase, and the title is in the other owners name, it may be harder to get a re-issue rate.
If I were you, I would:
-Ask the seller if they have a copy of the Title Insurance or Policy Number
-Call Chicago Title, talk to an Agent and give them the address and Policy Number (if you have it) Ask for the re-issue rate or a discount.
It's worth the time for a couple of calls.......
Better.com is defaulting to their own Title and Settlement Services..... Better makes money by selling their own services, so they are not going to help you get a cheaper rate from another company. But you have the right to choose who you use.
What is the best 15/30 year rate I should try to aim for and what ideally should be closing fees?
At better, seeing 2.250% / APR 2.478% ,~Points: $3,400 payment, ~$2,800 in third party fees in third party fees.
Where others can I shop around- do you have pointers?
Lastly, if i purchase through better, they take care of escrow ? And appraisal fee is waived right?
https://imgur.com/a/DPfMq1y
Sign up for a Slickdeals account to remove this ad.
I am sort of late in the game for the refi process but I just submitted the application with Better this morning, got the pre-approval, and assigned to a loan associate.
Any guidance to streamline the process would be greatly appreciated.
with that said, I understand that no two applicants are the same (LTV, Loan Size, Credit Score).
RBFCU
RBFCU
https://imgur.com/a/MxRG0Nh
RBFCU
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