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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I think I have only talked to someone on the phone maybe once. Maybe none. Got at least 4 different LE from them before I locked. Got emails from various people as it moved through the process including their title company. Sent a better title estimate and lowered it the same day to match. From first email to final disclosure was about 10 days. Mainly because I sent them multiple competing LE. I am doing a $180k refi with 746 FICO, 30% LTV.
Got note today asking for AMEX account for eventual credit. Closing has $2,200 for all costs and a $1210 credit from lender. So about $1000 for closing, and $2500 credit later.
Common comments are get multiple quotes. Now.
I think I have only talked to someone on the phone maybe once. Maybe none. Got at least 4 different LE from them before I locked. Got emails from various people as it moved through the process including their title company. Sent a better title estimate and lowered it the same day to match. From first email to final disclosure was about 10 days. Mainly because I sent them multiple competing LE. I am doing a $180k refi with 746 FICO, 30% LTV.
Got note today asking for AMEX account for eventual credit. Closing has $2,200 for all costs and a $1210 credit from lender. So about $1000 for closing, and $2500 credit later.
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I just got a lender estimate online from AIM loan. The rate is 2.875 % with $1400 lender credit plus $1000 lender fee for an investment property ($180k; 15 y). I emailed LE to Better for a rate match but not many are working today.
Earlier, Better matched 3.25% rate (15 y) with a lower cost and I locked at that time.
Earlier, Better matched 3.25% rate with lower cost and I locked at that time.
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 applied last week at 3.375% with $2000+ in costs and 2 days ago I had Better Match down to 2.75% with $1000 in credit.
I went to go lock today and I am seeing the rates all different and almost back at the 3.35% rate and am not sure if its because of the holiday but the Loan Estimate numbers are not the rate.
Shahhere
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