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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Rate : 2.75
Term : 30
Credits : 1400
Credit : 755
PS: This is the 2nd refinance with better.com. Last one(3.375%) was closed on 05/04/2020 and got 2.5k from amex.
loan cabin doesnt provide an LE? how do you get better to match then?
ie (going from 3% to 2.875%) or same rate but more credit?
This deal is awesome. I locked in at 3.125 in January, and seeing this wants me to refi.
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This deal is awesome. I locked in at 3.125 in January, and seeing this wants me to refi.
Rate : 2.75
Term : 30
Credits : 1400
Credit : 755
PS: This is the 2nd refinance with better.com. Last one(3.375%) was closed on 05/04/2020 and got 2.5k from amex.
Loan amount of refi was $590,000 in Southern California.
Rate was 2.625 % at 15 years with $440.00 lender credit. 796 credit score.
They matched a loan estimate from lending.com. Fast closing. Great communication. I think loans above $500,000 have higher rates.
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I refinanced with Better back in 2018 and it was a very good experience. I saw this AMEX offer and applied/got pre-approved a couple weeks ago, been getting calls from a guy named Andres - quite responsive and calls me daily to try and get me to lock in rates, but the fees/points are not attractive:
*Currently 3.75% w/28 yrs to go, $230k/$1.1m value in SF Bay Area, 711 FICO per the soft-pull.
*Better is quoting 30yr @ 3% & $2700 in points + approx $1870 closing costs (no impounds).
*Andres will give a $500 discount for being a repeat customer. He tries to make me believe it's a deal since AMEX waives appraisal & the $2500 credit offsets the points (shady salesmanship, IMO)
*Lenderfi's quick quote (based on FICO & income, not actual app): 30 yr @ 2.875 & $693 in points + $1610 closing costs. Will put in an actual app and obtain LE
1) I've read through this thread and notice many of you have significantly larger credits - is that part of the standard rate quote or discounts offered by your loan person (like my tiny $500)?
2) When presenting the LE, is it customary for Better to beat or simply match the competition?
3) Owning.com: does anyone have any recent experiences to share? My whole office got the 2.99 with zero out-of-pocket costs, and now they're 2.75 but I'm waiting to for them to take loans under $300k
4) I've got an investment property as well, and Lenderfi's rates appear to be as low as owner-occupied rates: is it wise or do-able to have two applications happening at the same time? Ideally I would go with Better for my primary home and Lenderfi for the rental
Thank you in advance!
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