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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I am having zero luck with Better. I have now submitted two differnt LE's, and called over 10 times to see if they could match them. First one they didnt respond until 3 days later, then said the LE was to old to match. Second one I put in Tuesday Night. Called them as soon as I put it in, and called them 4 more times yesterday. Yesterday at 4 pm they said my assigned person had my file open, looking at it, and would call me shortly to tell me what they could do.. Never got a call. Now its been over 24 hours since I got the LE from another lender, so my guess is when I call today they will tell me its expired.. and want another one. About to give up and just go with the other lender.
What's the process for getting matched? Apply first with better, then bring LE to them?
What's the process for getting matched? Apply first with better, then bring LE to them?
What's the process for getting matched? Apply first with better, then bring LE to them?
I applied online.. and got the LE... it was crap. You have to apply to get the LE.
Talked to guy explained i was shopping around, and he did much better. YMMV.
Case in point: I refinanced 2 months back at 3.125% at 15 year fixed and got $3000 credit (including the AMEX). I am thinking of refinancing at 3.75% at 15 year fixed to get $5000 credit. assuming that the rates are not going to change dramatically in the near future given the environment, refinance again at 2.75% or something like that and make this a money maker
thoughts?
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Is there any truth in that statement?
It has been a love/hate relationship so far.
When I first applied a couple weeks ago, the better.com account page was not showing the lower rates they were advertising on Nerdwallet. I sent about 3 emails and got no response for days. Then I called, and it took 3 attempts before I got a person on the line. They setup an appointment for me that day at 1PM. I waited until 1:45 and nobody called me. I called back a couple of times and got another person on the line. Then I forwarded a screenshot of the Nerdwallet rate to them, and was told someone would call me back the next day (a Sunday). Monday came around and nobody called back. I then called and asked to be escalated to a manager and requested that my "Team" was changed, since the team assigned to me was not answering any calls or emails for nearly a week.
The new loan officer I was assigned was way more responsive and got me sorted out within a day or so. At this point I had gotten a lower estimate from a competitor, so I submitted that to the better.com person. They matched the rate and also included more lender credits for closing, on top of the $2500 amex deal. So, it was worth using Better over the others.
Now that the loan is in process, I feel like only about half of my emails are responded to on a timely basis. Some messages I send appear to fall on deaf ears, or I get a response a week later.
I do REALLY like their online portal and how easy it is to work with. I have refinanced before, and their online system is by far the best I have dealt with.
It just seems like they are way understaffed right now in relation to the massive spike in refinancing that is probably happening due to the low rates in the market. It is super frustrating but the deal is too good to pass up.
My closing is scheduled in the 2nd week of July. I am confident it will go through, and I don't plan on backing out of the deal at all. I just wish they were better with communication. I almost went with a competitor due to that, but I gave them 1 last chance and they finally came through.
Case in point: I refinanced 2 months back at 3.125% at 15 year fixed and got $3000 credit (including the AMEX). I am thinking of refinancing at 3.75% at 15 year fixed to get $5000 credit. assuming that the rates are not going to change dramatically in the near future given the environment, refinance again at 2.75% or something like that and make this a money maker
thoughts?
https://selling-guide.fanniemae
https://selling-guide.fanniemae
Case in point: I refinanced 2 months back at 3.125% at 15 year fixed and got $3000 credit (including the AMEX). I am thinking of refinancing at 3.75% at 15 year fixed to get $5000 credit. assuming that the rates are not going to change dramatically in the near future given the environment, refinance again at 2.75% or something like that and make this a money maker
thoughts?
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I know there is lot of better offers that people have gotten but this was the best I was able to do and not sure if this can be improved now that I have already locked my rate.
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