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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They're approving my cheaper Title quote so I'll go from $1100 to $595 (saving of $505). So now my total loan cost is -$1369 into my pocket for 2.75% 30 years fixed.
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Big difference
I do think people have done investment properties, but can't recall if anyone has done one with cash out.
I started going through this with Better.com because of $2,500 deal. Figured I should also get a quote from my current bank. Before long I have now applied at 8 places. And sent LE to most. And gone from 3.875 down to 3.0 on refi of $170k.
Better came back with much better rates after the competing LE. Now, it looks like LenderFi is so very close to their offer - partially due to escrow not being required and money tied up there. Back and forth they go.
If you can not manage a good spreadsheet - this whole thing is close to impossible.
Currently have two locks and one other company still wants to try and beat my offers. One other actually overnighted documents even though they have everything online - and he played games with an offer, so they are dead anyways.
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If I make that current and resent while remaining in forbearance will I be good? If not would I need to make current and get out of forbearance with a note stating so from that lender?
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