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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9,848 Comments
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I am having a hard time getting a new LE from anyone as Loan Cabin was the best one and all the other lenders are over that or wont come close.
I've emailed LC to see if they can float me down and if I get new documents hopefully I can use that for a match? With the delays I think it wont happen until next week and I hope I get new updated LE.
Shahhere
I've emailed LC to see if they can float me down and if I get new documents hopefully I can use that for a match? With the delays I think it wont happen until next week and I hope I get new updated LE.
Shahhere
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They semi matched my LE on the rate and fee but were off by$600 or $1200 counting the Appraisal fees which I would not be paying with the other Lender.
This was before lock and said that was the best; i couldn't get a hold of anyone to help clarify and lock the rate until this week when credit went up but on the phone the Loan Officer finally was able to to get the first estimate locked for me with about $400 credit.
I tried to push for more but was told that its was his limit but could try to get another match further in the process.
Shahhere
I posted this on the other thread but:
CycloneFW posted a better pricing Lender "Watermark Home Loans [watermarkhomeloans.com]".
I called and they seem to have the best pricing for my scenario quoted (no LE yet as I haven't applied).
2.625% zero fees (+Title, taxes, escrows).
2.75% with zero costs and a credit upto $3500 (wont give cashback).
Shahhere
CycloneFW posted a better pricing Lender "Watermark Home Loans [watermarkhomeloans.com]".
I called and they seem to have the best pricing for my scenario quoted (no LE yet as I haven't applied).
2.625% zero fees (+Title, taxes, escrows).
2.75% with zero costs and a credit upto $3500 (wont give cashback).
Shahhere
I personally want to lock as back in the haydays of refinancing the pricing was all over the place and you'd be days out and then the rate would be all different and the excuse was "you did not lock the rate".
I think the rates are so low that its in the best interest to lock.
They did say that they'll float down the rate if it gets better but no additional credit will be given (ehh) but still competitive enough.
Shahhere
CycloneFW posted a better pricing Lender "Watermark Home Loans [watermarkhomeloans.com]".
I called and they seem to have the best pricing for my scenario quoted (no LE yet as I haven't applied).
2.625% zero fees (+Title, taxes, escrows).
2.75% with zero costs and a credit upto $3500 (wont give cashback).
Shahhere
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