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
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9,848 Comments
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Where do you track? I am at 3.37. No one is coming down for Jumbo loans.
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can I use online account ?
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can I use online account ?
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Apply what and when was first time and what is an online account
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1) I can keep the title as sole ownership. Since it was purchased prior to my marriage I can keep it the same and does not complicate title process during close since I can keep the titling as sole ownership. If I were to buy a new home now that would be different.
2) However, while community property doesn't really affect the title during a refi, it does dictate that from the time of marriage moving forward my spouse has claim to half of the equity build up on the home. In the event we were to get separated the courts could split the equity that it gained. This presumably includes the principle reduction and the appreciation in gain since money I earn while I'm married is considered community funds. Also any funds applied during refinance can also be split since this is paid with community funds. It may not be exactly 50%, especially if I am the primary wage earner and the down payment was done with my pre-marriage money solely. But the courts would want to protect the spouse in the event of separation. So the community property is always in effect once we get married refinance or not.
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