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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2.5% on a 15 year with $3762 in lender credits. Just waiting for the additional $2500 AmEx Credit.
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
2.5% on a 15 year with $3762 in lender credits. Just waiting for the additional $2500 AmEx Credit.
i am struggling to get good rate for 15 yr refinance . suggestions?
i am struggling to get good rate for 15 yr refinance . suggestions?
Sent the offer to better and told them I'd pull my application if they didn't beat it. They beat it within 24 hours
For how much % below my current interest rate, do you think going through another refinance process + closing costs would be worth the trouble? .125% below? .25% below?
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I there any American Express Promotions phone number to check my loan eligibility for this promotion?
"Additionally, borrowers will be allowed to get a new mortgage — whether it's a refinance or purchase loan — three months after their forbearance ends and they have made three consecutive payments under their repayment plan, payment deferral option or loan modification."
"Typically, borrowers can only get a new mortgage, whether it's to refinance or to buy a home, a year after their payments are up to date post-forbearance."
https://www.marketwatch.com/story...2020-05-19 [marketwatch.com]
https://www.bankrate.com/mortgage...refinance/ [bankrate.com]
Check Title Forward (Redfin) and Radian Title. Check this thread.
https://slickdeals.net/f/14125196-shop-for-title-insurance?v=1
During Oct 2019, I obtained cash-out refinance on an investment property through AIMLoan. I got 3.625% (15 years) after paying $2400 points (1.296%). Total loan cost was $5400. I debated for a long time and finally decided to pay for points earlier. I would have got $625 credit (for same rate instead of paying $2400) if there was no cashout option. Sebonic offered 4.375% for $867 discount fee. I did not go with Sebonic earlier.
Thanks for the link. They service few states. I will check them out.
Has anyone seen a lower rate that I can bring to better.com for a condo classified as a second home?
But it is $1,560 in lender fees + title/settlement with a $338 lender credit
But it is $1,560 in lender fees + title/settlement with a $338 lender credit
Did loancabin ran hard credit to give you the LE. ?
Per Better [better.com]: How will my loan be serviced after closing?
Better Mortgage will service your loan after it closes. During this time, payment administration and collection will be handled by our sub-servicing partner, called The Money Source (TMS).
At some point, we might transfer your loan to a permanent servicer. We have a large roster of reputable servicers and mortgage investors including major US banks, government-sponsored entities, publicly-traded mortgage companies, and specialized servicing firms. We collect third-party reviews and survey our borrowers post-transfer to ensure the permanent servicers are quality partners.
TMS will notify you if and when your loan is being transferred. In the event your loan is not transferred you will continue to make payments to TMS.
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Did loancabin ran hard credit to give you the LE. ?
I got quoted the rate before my credit was run and then had the officer run my credit and lock the rate. Better's title agent charged my $1,100 in May and I had asked them to to use my agent that charges less, but they didn't. Sucks as they even confirmed via email they would use my agent and then didn't.
Last time around, Better didn't even match my competing offer, so we will see if they beat this one by $1k.
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