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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EDIT: This was for a refinance.. sorry.
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?
Thanks for info. i will research on.
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I had one more question.In my case, Better is giving me enough credits so that it covers closing costs and escrow and there is still some leftover. The closing disclosure has positive closing cash "To the Borrower". Will I get that cash or not? I have a simple refinance (no cash-out).
https://imgur.com/a/MxRG0Nh
this is amazing, we need a second wave of covid to go below this
Again, sorry for coming off harshly.
P.S. Some quick things. Multiple pulls within usually 1 month timeframe doesn't hurt your credit beyond the initial ding. This is because it is expected that you will shop. I doubt there is any place that will give you an LE without a hard pull (though I think, ironically, Better does).
I'm surprised that your realtor's mortgage broker told you to shop. In my opinion, the *sole* value of a mortgage broker is their ability to shop their multiple relationships with lenders to get you an offer possibly better than you could have gotten on your own. They make money via a commission, so have to do their work to get a loan that, even with their own fee, is competitive.
That said, if they told you to get them LE's, go ahead and get some from these rock-bottom bulk lenders like Aimloan, LenderFi, but I bet you he/she won't be able to beat them. This is because these places operate on volume and often have no origination fee, whereas the broker has his/her commission.
EDIT: This was for a refinance.. sorry.
I had one more question.In my case, Better is giving me enough credits so that it covers closing costs and escrow and there is still some leftover. The closing disclosure has positive closing cash "To the Borrower". Will I get that cash or not? I have a simple refinance (no cash-out).
I had one more question.In my case, Better is giving me enough credits so that it covers closing costs and escrow and there is still some leftover. The closing disclosure has positive closing cash "To the Borrower". Will I get that cash or not? I have a simple refinance (no cash-out).
https://imgur.com/a/MxRG0Nh
damn!! thats amazing. i couldnt get that here in NJ. i tried lenderfi too, the best he did was 2.825
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Again, sorry for coming off harshly.
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