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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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.
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.
Today I finally i got my processing expert. I agree with other's assessment of Arnold.
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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.
Depending on the loan amount, you may save more money in the first year at a lower rate with another lender than to receive the $2500 AMEX credit. If better is charging you $610 in points, that credit is really only worth $1890 for a higher rate......
I am fine if they don't agree to match rates. However, better is very deceptive about it. I had 10+ calls from better, and an email from them about the rate match guarantee.
After I gave better.com three LE's from other lenders, they refused to match the rate, saying that it does not apply to the AMEX offer or rates that cannot be seen on a public website.
If you really want a $2500 credit, then go with better.com. If you have good or excellent credit, shop around and you will receive superior rates from other lenders.This can save you much more than $2500. https://usmortgagecalcu
What better is offering is no more than the mortgage equivalent of a cell phone promotion. You get a great rebate upfront.....only to pay more every month for the life of the contract.
Slickdealers - Don't be fooled. With a couple of hours of comparison shopping, you can get a better rate, and it will impact you for the next 15-30 years.
My buddy brought over a better LE from Owning. They said "we can't beat it by $1000 anymore, but we can match it exactly".
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?
I am fine if they don't agree to match rates. However, better is very deceptive about it. I had 10+ calls from better, and an email from them about the rate match guarantee.
After I gave better.com three LE's from other lenders, they refused to match the rate, saying that it does not apply to the AMEX offer or rates that cannot be seen on a public website.
If you really want a $2500 credit, then go with better.com. If you have good or excellent credit, shop around and you will receive superior rates from other lenders.This can save you much more than $2500. https://usmortgagecalcu
What better is offering is no more than the mortgage equivalent of a cell phone promotion. You get a great rebate upfront.....only to pay more every month for the life of the contract.
Slickdealers - Don't be fooled. With a couple of hours of comparison shopping, you can get a better rate, and it will impact you for the next 15-30 years.
Exactly. That is why I posted the same type of thing last night. If your credit is good you can get much better rates and it doesn't take a lot of time. Sounds like Better.com is pushing back on matching with the promo.
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Depending on the loan amount, you may save more money in the first year at a lower rate with another lender than to receive the $2500 AMEX credit. If better is charging you $610 in points, that credit is really only worth $1890 for a higher rate......
Better matched panther_fan's best offer. So they are not paying an extra $610 in points and getting a higher rate.They are getting "similar" points and rate, AND the $2,500.
I am fine if they don't agree to match rates. However, better is very deceptive about it. I had 10+ calls from better, and an email from them about the rate match guarantee.
After I gave better.com three LE's from other lenders, they refused to match the rate, saying that it does not apply to the AMEX offer or rates that cannot be seen on a public website.
If you really want a $2500 credit, then go with better.com. If you have good or excellent credit, shop around and you will receive superior rates from other lenders.This can save you much more than $2500. https://usmortgagecalcu
What better is offering is no more than the mortgage equivalent of a cell phone promotion. You get a great rebate upfront.....only to pay more every month for the life of the contract.
Slickdealers - Don't be fooled. With a couple of hours of comparison shopping, you can get a better rate, and it will impact you for the next 15-30 years.
Obviously people should calculate how upfront costs, long term savings, Amex credit all factor in. But many (most?) people here are getting identical or $1,000 savings by getting Better to match - in addition to the $2,500 Amex credit. In my case, I'm calculating as though the Amex credit doesn't exist. It's the icing on the cake. I am saving $1,000 by going to with Better, for the same rates and terms as the best I could find on the market. I am not giving up points or rates to get the Amex credit.
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