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
Item 1 of 1
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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The "solution" is to lock the rate first then add the deal. I unintentionally did that and got my offer beat by $1000. I was charged an appraisal fee that was later refunded. I did get the task to enter the last 5 of my card when I got closing disclosures for the $2500 credit.
The beat actually worked out to be closer to $2000 as they included their appraisal fee in the match price and matched re-issue title insurance costs which then also went down after the title search.
A friend who has almost identical loan details to mine and went through the Amex link got a match only. They did match the higher title insurance cost which later went down, so about $600 savings there.
Is there any way to get this offer other than it being offered to you? not on my amex....
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Once you are locked, its highly doubtful they will do anything better than match exactly what another lenders LE is. They typically will not beat it by anything. You lose a ton of your matching power after you have locked in a rate with them.
I'm in South Carolina. Got 30 yr 3.25% on 200k loan. 800 credit. Home value 275k.
I've scanned many pages of this thread. Can I apply again for same home on same Amex card and get this bonus again or must it be a different house or different Amex card?
FYI - perfect credit score. LTV 50%. Good loan amount. Multiple lenders offered me the same rate that better missed by 3k. Rates have stayed at historic lows for a whole week now. Just not worth the aggravation and the chance of missing what you already have if rates go up.
FYI - perfect credit score. LTV 50%. Good loan amount. Multiple lenders offered me the same rate that better missed by 3k. Rates have stayed at historic lows for a whole week now. Just not worth the aggravation and the chance of missing what you already have if rates go up.
Fingers and toes crossed rates stay low (or lower) for another 5 months then I see if I can reduce rate even more.
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Just FYI, I will not trust them to handle my mortgage. If they cannot show interest in this phase of quoting me, I cannot trust them with financing or for whatever reason if I need their help.
Go somewhere else !!
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