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!!
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So I filed a complaint with the CFPB. At this point, I don't want to do business with them at all. I just want my hard check removed and I put this in the complaint.
https://www.consumerfin
Loan Depot was also slow and I had to call them myself to get a loan officer assigned. He verbally gave me some offers and I'm waiting for the actual documents.
D= A+B+C = $1779 ( I am going to bring this down to $1079 found lower title cost)
E+F+G+H = $4947(Homeowners Ins+ Property Taxes)
D + I = $6,726
Lender Credits = - $1,071
Amex credit =- $2500
I went through the special link from Amex, but dont see any mention in the emails I received from Better. Do I need to email the concierge to get it added manually?
Skimmed through few pages here and seems like people are getting competing rates mostly from Loancabin, Lenderfi, quicken, provident (by the way what's the wesbite for them, I find lot of provident "banks" that offer mortgage.)
I am going to check with couple local CU's too but if there is any other direct lender I should check please let me know.
I went through the special link from Amex, but dont see any mention in the emails I received from Better. Do I need to email the concierge to get it added manually?
Skimmed through few pages here and seems like people are getting competing rates mostly from Loancabin, Lenderfi, quicken, provident (by the way what's the wesbite for them, I find lot of provident "banks" that offer mortgage.)
I am going to check with couple local CU's too but if there is any other direct lender I should check please let me know.
So I filed a complaint with the CFPB. At this point, I don't want to do business with them at all. I just want my hard check removed and I put this in the complaint.
https://www.consumerfin
Loan Depot was also slow and I had to call them myself to get a loan officer assigned. He verbally gave me some offers and I'm waiting for the actual documents.
Loan depot is going to spam you like crazy. Why cant companies give online estimates without personal info? This whole refinance game is a terrible experience. Buying tsla is much more fun.
They offered me 2.625 yesterday with 0 points but with 2700 to 3500 estimated closing costs. This is in CA with excellent credit with around 72% LTV ratio.
May I know what is the APR and total cost for you to close?
APR at LD was 2.362. "D. total loan costs" were $3200 but I got a lender credit of $2k.
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Loan depot is going to spam you like crazy. Why cant companies give online estimates without personal info? This whole refinance game is a terrible experience. Buying tsla is much more fun.
I did Lenderfi rather late in the process and they matched the best deal I had. And then Better got me there. After lock I got a bit more and then near end of process I showed a better Title pricing and they kicked in another couple hundred.
Loan Cabin so far has been the best rates and despite being slow as they took 3 days their numbers held up on my LE. $240K Loan with -$1000 Credit for 2.75%.
I was surprised that Better countered that with 2.75% and -$348 in Credit but also said that the Amex $2500 would make it a better deal and I dont know what I can do to push for more which I dont know if they will. Initial Better offer was 3.375% with $19000 in Fees for ABC=D.
Send better an official LE and go from there but Loan Cabin looks like a legit place at this point without any bS.
Shahhere
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I did Lenderfi rather late in the process and they matched the best deal I had. And then Better got me there. After lock I got a bit more and then near end of process I showed a better Title pricing and they kicked in another couple hundred.
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