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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9,848 Comments
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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.
I like how they give the breakdown of all the fees before you even apply.
I started the process three weeks ago on a 30 year refi and I got a 2.75% rate 2.806% APR with $1,800 in closing fess total (not including reserves for escrow). It had a $972 credit at the time. (Rates have gone up a litte)
If I look at it right now:
HighTechLending 2.75%, 2.828% APR $3,548.64 closing cost including appraisal
LenderFi 2.75%, 2.918% APR $6,714 closing cost including appraisal
Better 3.25% 3.2851% APR will not even give me a break down. All it says is $645 for points so it will probably be higher closing cost then both of them at a much higher APR.
Heck even hightechlending gives me a 3%, 3.056% APR $890 total closing including appraisal. So yeah I am sure Better is more then happy to throw in a $2,500 AMEX credit with a much higher closing cost and APR.
I like how they give the breakdown of all the fees before you even apply.
I started the process three weeks ago on a 30 year refi and I got a 2.75% rate 2.806% APR with $1,800 in closing fess total (not including reserves for escrow). It had a $972 credit at the time. (Rates have gone up a litte)
If I look at it right now:
HighTechLending 2.75%, 2.828% APR $3,548.64 closing cost including appraisal
LenderFi 2.75%, 2.918% APR $6,714 closing cost including appraisal
Better 3.25% 3.2851% APR will not even give me a break down. All it says is $645 for points so it will probably be higher closing cost then both of them at a much higher APR.
Heck even hightechlending gives me a 3%, 3.056% APR $890 total closing including appraisal. So yeah I am sure Better is more then happy to throw in a $2,500 AMEX credit with a much higher closing cost and APR.
(I guess I am just a little concerned that perhaps I should have been paying a little less for this property... since in my opinion appraisals often are slightly over market value). Would appreciate if someone can share how their appraisal turned out...
(I guess I am just a little concerned that perhaps I should have been paying a little less for this property... since in my opinion appraisals often are slightly over market value). Would appreciate if someone can share how their appraisal turned out...
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Tip: Go directly with them first and lock the rate then ask for matching this offer so you get the free appraisal report as well as $2500. This way you can get the best rate. With the above amex link, there is a slight higher rates.
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Is there any truth in that statement?
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