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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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.
I am working with Better and locked at what I though was good, but in further review, not so good. Currently at 3% on $170k refi, no cash out. Some point charge and they want escrow. 760 FICO.
Some of you are getting rates at 3% or better AND getting lender credit.
Suggestions
2.5% on a 15 year with $3762 in lender credits. Just waiting for the additional $2500 AmEx Credit.
can you please help me the lender details to get Loan Estimate. This rate too good.
Thanks
I am working with Better and locked at what I though was good, but in further review, not so good. Currently at 3% on $170k refi, no cash out. Some point charge and they want escrow. 760 FICO.
Some of you are getting rates at 3% or better AND getting lender credit.
Suggestions
I called them directly and told them I had received an offer that beat them by almost $4000.
Maybe it was because we were midway through underwriting that they agreed to beat it, but I had the option to walk away. The only thing I had paid for was the appraisal fee (which wasn't waived initially by their mistake. It was waived before closing)
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considering 30 year options currently for 2.75 - any suggestions for competing offer?
I am working with Better and locked at what I though was good, but in further review, not so good. Currently at 3% on $170k refi, no cash out. Some point charge and they want escrow. 760 FICO.
Some of you are getting rates at 3% or better AND getting lender credit.
Suggestions
If you find a lower point cost/rate, share it with Better and see if they'll match.
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