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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What does it matter? Everyone's numbers will be different dependent on your loan.
What does it matter? Everyone's numbers will be different dependent on your loan.
I got my 2.25% nearly matched. I can pick from 2% - 4% options. I'm not stuck with just what I matched with.
thanks,
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.
6/25 - Got an LE from Lenderfi: 2.625% with ~$1000 closing cost
...........
6/29 - Submitted to Better/Arnold
Better is no where near that rate - won't match.
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What man? I am saying what I am saying based on quotes I have on hand and they are indeed different not just the fees but the Title Costs as well. Attached are the 2 quotes I have from 2 Title Comapies from a few weeks back when I started the process of looking for rates:
Radian Title: $1575
$977.53 Title Cost
$125 CPL
$225 Closing Fee
$100 Title Binder
$147.75 Endorsements
$199.75 Deed
ALTTitle - $2038
$1514 Title Cost
$125 CPL
$400 Endorsements
Shahhere
And I just saw the wiki stating "The offer is only available to those borrowers who have been marketed to directly by American Express, and those who have not received the offer on their Amex portal or via email are not eligible." Is this really the case? I used Amex card for my refinance with Better, I did not receive the email offer; however, Better.com said my Amex card would receive the $2500.
Anyone not receive the email offer, but successfully received the $2500 credit from Amex?
JetBlast, just note that unless you make a principal reduction additional payment with those funds from your old lender, you are paying interest that escrow funding from Better for 15-30 years.
That may be your intention, but just making sure you are aware.
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seems like everybody here dealing with one loan consultant - whose name shall not be spoken...
Any other consultant is "better" at Better?
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