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 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.
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.
What are some of the lenders that are providing better rates? Rather than posting one negative comment after another you should help the thread by posting where people can go based on your own experience.
What are some of the lenders that are providing better rates? Rather than posting one negative comment after another you should help the thread by posting where people can go based on your own experience.
https://hightechlending
https://www.lenderfi.co
https://www.closeyourow
Not going to say these are always cheaper. It's why you need to shop around. It depends on the area of the country, your situation, credit score, etc. You can try to get Better to match (or possibly get the $1,000) but if they don't you need to do the math and see what is better for you.
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.
We get it, you had a bad experience. Please stop spamming this thread with it.
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.
I hope that you are getting paid a commission or referral fee for all of the positive posts here regarding Better.
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".
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Just said my friend received this rate and they matched it.
What are some of the lenders that are providing better rates? Rather than posting one negative comment after another you should help the thread by posting where people can go based on your own experience.
When I applied with Better on Monday I was offered a 3.125 rate. The points originally quoted by Better.com to get a 2.75% rate was 9K. Better stated that they would match any other offer.
Better then lowered the points by a few thousand after seeing three other LE's, but would not match or come closer to the other lender's rates.
This was with a 820 credit score, 56% LTV, and 10% DTI.
SDCCU (San Diego County Credit Union) = 2.75% Rate 2.79% APR
LenderFI = 2.75% Rate 2.77% APR
Northpointe = 2.75% Rate 1,210 points /fees 2.91 APR
Semper = 2.75% Rate 2.75% APR
Sebonic = 2.875 Rate 2.875 APR
+++Several Others
(Don't use lending tree unless you want to get mad spammed and called....)
There are a ton of lenders out there. Depending on the loan amount, a quarter to half of a percent lower rate can easily save you $2500-$15K in the first three years of the loan. You can save a lot more than a $2500 credit.
https://usmortgagecalcu
When I applied with Better on Monday I was offered a 3.125 rate. The points originally quoted by Better.com to get a 2.75% rate was 9K. Better stated that they would match any other offer.
Better then lowered the points by a few thousand after seeing three other LE's, but would not match or come closer to the other lender's rates.
This was with a 820 credit score, 56% LTV, and 10% DTI.
SDCCU (San Diego County Credit Union) = 2.75% Rate 2.79% APR
LenderFI = 2.75% Rate 2.77% APR
Northpointe = 2.75% Rate 1,210 points /fees 2.91 APR
Semper = 2.75% Rate 2.75% APR
Sebonic = 2.875 Rate 2.875 APR
+++Several Others
(Don't use lending tree unless you want to get mad spammed and called....)
There are a ton of lenders out there. Depending on the loan amount, a quarter to half of a percent lower rate can easily save you $2500-$15K in the first three years of the loan. You can save a lot more than a $2500 credit.
https://usmortgagecalcu
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6/25/20 @ 12:15 PM PST
Example Property 600K , 92078 area code. 350K loan with a 740+ credit score.
Better
Zillow
Bankrate
In this example, you would receive a far better deal from any of the other lenders than better.com. If you get a few estimates and push lenders against one another, you can get even lower than these advertised rates.
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