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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Who is your mortgage consultant?
Who is your mortgage consultant?
The loan I was refinancing was not with Freddie Mac or Fannie May, so the lender wanted a full appraisal.
In your state, the state department of financial institution may require the title companies to file their escrow rates with the department, and the information may be available online.
Some companies give additional discounts (refinance, senior, gov employee discount, corporate relocation, etc).
30 year, 2.75% locked, loan costs and taxes paid for by lender credits
No escrow
Loan $500,000
LTV 59%
FICO 699
I wouldn't settle for anything less than 2.75% and no cost, and lock it when you get it. You are getting ripped off anything more than 2.75% and no cost. Apply to 10-20 places, because more than half will ignore you or take too long to get you a loan estimate. Don't believe what anyone tells you, only believe the locked loan estimate. You just need one good loan estimate locked. Don't pester the places that are too slow or ignore you, just move on.
I don't know if Better will beat what I got, but I'll go forward with another lender if they don't.
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.
30 year, 2.75% locked, loan costs and taxes paid for by lender credits
No escrow
Loan $500,000
LTV 59%
FICO 699
I wouldn't settle for anything less than 2.75% and no cost, and lock it when you get it. You are getting ripped off anything more than 2.75% and no cost. Apply to 10-20 places, because more than half will ignore you or take too long to get you a loan estimate. Don't believe what anyone tells you, only believe the locked loan estimate. You just need one good loan estimate locked. Don't pester the places that are too slow or ignore you, just move on.
I don't know if Better will beat what I got, but I'll go forward with another lender if they don't.
30 year, 2.75% locked, loan costs and taxes paid for by lender credits
No escrow
Loan $500,000
LTV 59%
FICO 699
I wouldn't settle for anything less than 2.75% and no cost, and lock it when you get it. You are getting ripped off anything more than 2.75% and no cost. Apply to 10-20 places, because more than half will ignore you or take too long to get you a loan estimate. Don't believe what anyone tells you, only believe the locked loan estimate. You just need one good loan estimate locked. Don't pester the places that are too slow or ignore you, just move on.
I don't know if Better will beat what I got, but I'll go forward with another lender if they don't.
Sign up for a Slickdeals account to remove this ad.
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