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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9,848 Comments
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You are basically admitting wiring doesn't really cost the bank anything. What a scam.
How does the fact an employee gets free wire transfers mean they do not cost the bank anything. I know a daycare that gives free daycare to directors. Does that mean it is free. I know of an amusement park that gives employees free admission. Does that mean it should be free for everyone? Of course wiring costs money. There are a couple of employees that have to take time to do it.
Some people go through thinking everything is a scam and everyone is out to get them.
Sorry for them.
As of 7/2, all with no closing costs:
15 year fixed, up to $510k - 2.5%
15 year fixed, up to $765k - 2.75%
30 year fixed, up to $510k - 2.75%
30 year fixed, up to $765k - 2.99%
Where do you track? I am at 3.37. No one is coming down for Jumbo loans.
As I save them to my hard drive I label them with company my name and date. I think I had about 15 of them overall on this go around. (6 banks I think)
As I save them to my hard drive I label them with company my name and date. I think I had about 15 of them overall on this go around. (6 banks I think)
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Title-Admin Process Fee
Title-Attorney Fee
Title-Closing Protection Letter
Title-Commitment
Title-Endorsements
Title-Lenders Title Insurance
Title-Settlement Fee
My current quoted rate is 15yrs 2.65% 0pt and enough lender's credits to cover the cost in section J, but Better doesn't have any lender's credits. Not sure how you got 2.375% that low.
I have a $700k condo with loan amount $260k and in CA like you. Not sure how you can get such low rate. So what's your section J number and how much Lender Credits you'll be getting(before Amex $2500)?
I will say from experience these "concierge" always seem unsure. Just submit it. I got 2.375% with guaranteed rate giving me an LE with $1390 in points. Arnold seemed very unsure also when i finally got a reply from him. Then they did it and beat it by $1000 on points to make $390. You just really need to get a great rate elsewhere. Just lots of shopping around is all. I got 6 different quotes.
I will say from experience these "concierge" always seem unsure. Just submit it. I got 2.375% with guaranteed rate giving me an LE with $1390 in points. Arnold seemed very unsure also when i finally got a reply from him. Then they did it and beat it by $1000 on points to make $390. You just really need to get a great rate elsewhere. Just lots of shopping around is all. I got 6 different quotes.
As noted numerous times it doesn't matter; especially in the long run if you are disciplined.
If you are going to shop and get Loan Estimates and have lenders compete this is the only way to do it as you have to have them run credit and atleast apply without paying anything out of pocket or maybe a credit pull charge (20-40). Inquiries in a 15 day period for the same thing get bunched and are not big enough unlike other hard pulls.
I refinance/d a lot and have noticed a 7-11 point drop after a hard pull and after the loan is put under your name. One reason is because you technically have 2 Loans under your name for a small period of time causing that drop. Each succession month it went back up 3 or so points and so in 3 months its all a wash or sooner.
I was not convinced that Better would go down from 3.325% with $2600 2.75% with $400 in Credit after a Competing LE was sent. Thats a big drop of thousands based on the Loan Estimates.....
Shahhere
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If you are going to shop and get Loan Estimates and have lenders compete this is the only way to do it as you have to have them run credit and atleast apply without paying anything out of pocket or maybe a credit pull charge (20-40). Inquiries in a 15 day period for the same thing get bunched and are not big enough unlike other hard pulls.
I was not convinced that Better would go down from 3.325% with $2600 2.75% with $400 in Credit after a Competing LE was sent. Thats a big drop of thousands based on the Loan Estimates.....
Shahhere
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