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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1.) Horrible Rates
2.) Found 3 LE's with much better rates. Better offered a poor match with $2,500 fees in points... Fees were also $700 higher making it $3200 high than my other offers.... then offering the AMEX rebate as compensation.
3.) Refused to match Rate, APR, Fees
4.) Refused 1K match guarantee
Now the rate match guarantee is $100 instead of $1000.....
I guess if you havent locked in you are out of luck? MFers I put in an app and provided them my SS lol.
Shahhere
I guess if you havent locked in you are out of luck? MFers I put in an app and provided them my SS lol.
Shahhere
I gave them three LE's with better rates. I was told the $1,000 guarantee didn't apply because I came in through the AMEX link, and the three LE's I received from mortgage companies were not listed as public rates.
Here is the old fine print......
9. Offer cannot be combined with any other promotion. Offer is invalid if the borrower submits an LE from a lender with a rate that is not publicly available (e.g., requiring a minimum amount of assets under management). Each borrower may only take advantage of this offer once per loan application.
10. Better Mortgage reserves the right to rescind or modify the terms of this offer without prior notice.
Did anyone on this site close with another lendor and get Better.com to honor the price match guarantee?
"We provide the credit statement. The Credit statement goes to your AMEX card. I will not be able to provide any more lender credits because I maxed out the concessions I can give. This is our best offer."
1.) Horrible Rates
2.) Found 3 LE's with much better rates. Better offered a poor match with $2,500 fees in points... Fees were also $700 higher making it $3200 high than my other offers.... then offering the AMEX rebate as compensation.
3.) Refused to match Rate, APR, Fees
4.) Refused 1K match guarantee
Now the rate match guarantee is $100 instead of $1000.....
"We provide the credit statement. The Credit statement goes to your AMEX card. I will not be able to provide any more lender credits because I maxed out the concessions I can give. This is our best offer."
Once I lock the rate, can I still ask Better to adjust rate with competitors' rate?
I checked with my Better loan agent and was told "you can change it until closing, we prefer not to go back and forth but there is no limited times." Just want to confirm again as I thought normally I am only allowed for one-time adjustment after rate is locked.
Thanks,
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Once I lock the rate, can I still ask Better to adjust rate with competitors' rate?
I checked with my Better loan agent and was told "you can change it until closing, we prefer not to go back and forth but there is no limited times." Just want to confirm again as I thought normally I am only allowed for one-time adjustment after rate is locked.
Thanks,
Both Better and LenderFi told me that their guidelines won't let them give a credit larger than the A-B-C closing costs. That sounded fishy to me but I didn't push them once I got the LoanDepot quote.
Also, shouldn't people list out their loan amount? Different loan amount has different rate.
Amex landing page, scroll down to bottom
https://better.com/with/amex
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