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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yeah, it seems like it
5 of my friends did it last week, I can only imagine how many used it in the last month
Edit: I randomly called their local office and was told that I would need to talk to the settlement company that ends up being used in the refi and ask for discount. As I'm very early in the process I do not know which one yet, but my loan guy has four regular companies (One being the one used in my last refi), not sure if he can pass this info on.
Here is the breakdown of fees in Section C from Fidelity from my CD. This is on a $485K loan in California.
Endorsements to Fidelity National Title Company $25.00
Escrow Fee to Fidelity National Title Company $475.00
Lender's Title Insurance to Fidelity National Title Company $505.00
Mobile Signing Fee to Fidelity National Title Company $200.00
Recording Service Fee to SimpliFile $14.00
Special Courier Fee to Fidelity National Title Company $36.00
Sound right?
I am not getting much competing offers; no Lender Estimates for my 227k Loan on 500k 800+ credit score.........As an Expert (lol) I failing for my own needs.
Shahhere
Sound right?
I am not getting much competing offers; no Lender Estimates for my 227k Loan on 500k 800+ credit score.........As an Expert (lol) I failing for my own needs.
Shahhere
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Are there better jumbo rates out there? I've already paid appraisal here but don't mind putting in the work if I can shave another 1/8th.
"I just want to let you know I am working on the title fee concession and should have that updated on the loan estimate by tomorrow. As soon as it is updated I will let you know and I should be able to send your file to final review soon after."
Some context:
6/16 - Rate Lock
6/17 - Title ordered
6/17 - I emailed them with a cheaper title company
6/22 - Title Received/Cleared by Better
6/24 - Called them about the email that I sent, since I didn't hear anything back. They said that my Processing Expert is sick and they'll put a note in my account about it
6/25 - Received above email.
They quoted me $550 each for Title Insurance and Settlement Fee. I forwarded a quote from my local title company for $505 Title Insurance and $95 Settlement Fee.
"I just want to let you know I am working on the title fee concession and should have that updated on the loan estimate by tomorrow. As soon as it is updated I will let you know and I should be able to send your file to final review soon after."
Some context:
6/16 - Rate Lock
6/17 - Title ordered
6/17 - I emailed them with a cheaper title company
6/22 - Title Received/Cleared by Better
6/24 - Called them about the email that I sent, since I didn't hear anything back. They said that my Processing Expert is sick and they'll put a note in my account about it
6/25 - Received above email.
They quoted me $550 each for Title Insurance and Settlement Fee. I forwarded a quote from my local title company for $505 Title Insurance and $95 Settlement Fee.
I locked yesterday and emailed my concierge I wanted to use a different company and sent him a copy of the quote via email, but he doesn't even acknowledge emails. Today I received a automated email from someone at Betters Title Company letting me know they are taking it from here and to thank me. I also noticed they ordered the title today on my better account. I called the main line and of course my concierge wasn't available but I told them I wanted to use my own title company and they said "you don't have a processor assigned to you but I'll make a note of that". I'm in PA so title insurance and fees are very high but I found a company (alttitle) that includes all the fees so they come out to be about $1900 whereas better has me in for about $2500
I locked yesterday and emailed my concierge I wanted to use a different company and sent him a copy of the quote via email, but he doesn't even acknowledge emails. Today I received a automated email from someone at Betters Title Company letting me know they are taking it from here and to thank me. I also noticed they ordered the title today on my better account. I called the main line and of course my concierge wasn't available but I told them I wanted to use my own title company and they said "you don't have a processor assigned to you but I'll make a note of that". I'm in PA so title insurance and fees are very high but I found a company (alttitle) that includes all the fees so they come out to be about $1900 whereas better has me in for about $2500
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