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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Shahhere
If you don't use your credit for anything, I guess it doesn't matter. But if you are buying investment properties or applying for business loans, I don't think a lender would be pleased with a million refinance inquiries on your credit report.
If you don't use your credit for anything, I guess it doesn't matter. But if you are buying investment properties or applying for business loans, I don't think a lender would be pleased with a million refinance inquiries on your credit report.
Na dont scare people unnecessarily lol, its not rocket science and once you do it once the second time around its 80%+ the same paperwork and the only difference is Paystubs/Bank Statements. I haven't refinanced like that much in 8+ years as the recent years I just keep going back to the same lender and on average can turn paperwork in 2 days tops. Like i said earlier on repeat refinances it would take about 2 hours or work.
Again this wont work for many but if you have stable job, enough income, 20%+ equity and low debt its very repeatable along with good credit. I don't own investment property anymore but still have a stellar credit so having 10 or 100 inquires wont matter and the drop in credit score 9-13 points for me recovers in 3-4 months.
The rates are low again to the point where this is my 3rd refinance but this is the time to do this and if possible take higher points to make money quickly.
Shahhere
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Today i found and locked with another lender at 2.10% 15 years and NO fees. I lose the amex credit. Lets see if better will match.
My understanding is by law, lenders are supposed to provide a loan estimate within 3 days after running your credit.
https://www.consumerfin
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