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 have the offer in an email from end of last year that shows the last 4 digits of my Amex card I used on the offer. So while I never talked to Amex about the offer I have their email to me and countless emails with better about it.
I figured any day now the credit would hit. I could call Amex and just try to check status but not sure what department.
My main reason for any sense of urgency now was that I got 3.25 30 yr on 200k home value 275 with about 1500 in lender credit to me.
I'm not sure if I can do the same offer on the same home and same card again but if I can July is it to apply. Was hoping for 3 or 2.875% and cash to my pocket.
Id like to get the bonus before any further applying.
06/15: Better - 3.000% with a loan cost of $2,399 ("D" - Lender Credit)
06/16: LoanDepot - 2.990% with a loan cost of $4,013
06/17: LenderFi - 2.750% with a loan cost of $969
Then the following timeline:
06/17: I submitted LenderFi's loan estimate to both Better and LoanDepot.
06/18: LoanDepot stayed firm.
06/19: Better's concierge called me to tell me that they can match it. They would not beat it by $1,000, as the Better Price Guarantee cannot be combined with any other promotion (e.g., the Amex $2,500 promotion). I authorized a hard pull and locked the rate. Better has ordered an appraisal, and I am now waiting for the process to continue.
As an update, I used AltTitle to get a cheaper title insurance quote (was about $400 cheaper), and Better not only matched it, but beat it. Here are my current numbers:
A = $0, B = $64, C = $3,133. J (Lender Credits) = -$3,196. Making the loan cost $1, for 30 year conforming 2.75% mortgage. Plus $2,500 bonus from Amex, this is incredible.
A few pages back earlier this week, a person who closed on the same day as me got their credit already and I haven't. But I'm still only just now coming up on 6 weeks from funding, so I'm not concerned.
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Also, doing a lock usually costs you nothing. I am actually locked with two vendors right now - will need to drop one of them if they can not do better by Tuesday.
Existing mortgage: 30 years @ 3.375% (refinanced during Nov 2019). I was paying PMI and planning to show documents (probably an appraisal; house value went up) to remove it.
...
- Better matched 3.0% rate ($280k) on 05/27 with a loan cost of $610 (appraisal paid by AMEX) plus $2500 AMEX credit.
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Please note, if you talk to an agent, they may be able to provide another 5-15%off. However, it is likely that they will try to sell you owners title insurance and a bunch of other auxiliary services that may not be required.
****If you have purchased the property or refinanced in the past 5 years, ask you previous title company for a re-issue rate.**** It may save you 20-50%.
Lenders make a commission when using their own title companies or the recommended list they provide. It is usually best to negotiate Title Fees after you have negotiated the Loan Rate, Points, Fees, APR, asked for a free appraisal, and have a lock and loan estimate. If you ask too soon, you may not get a good deal or as many concessions on other items.
First American
https://facc.firstam.co
WFG
https://rates.wfgagent.
Old Republic
https://www.oldrepublic
Fidelity
https://ratecalculator.
Chicago Title (online rates are bad, talk to an agent.)
https://rates.fntg.com/?brand=chicago
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