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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$3k in credits to get 2.75%. I don't think I can do better at this time,
Better's rates are (for me) completely not competitive this time around, so going checking out LoanCabin and, based on what I read 3 minutes ago, Watermark.
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Better's rates are (for me) completely not competitive this time around, so going checking out LoanCabin and, based on what I read 3 minutes ago, Watermark.
$750 Locking fee? About 8-10 years ago everyone used to charge an Application Fee which ranged from $50-500 and was nothing short of a scam lol.
In the last 6 years I've never paid that and possibly is a deterrent so people dont shop but on this forum and my other thread no one has noted paying a fee for Locking. If anything the only fee I know of is for running Credit for $20-45 which again is only by 2 lenders.
I spoke to a guy named Tony, and he was nice but if thats what they are quoting I'd run or get a clarification.
Shahhere
hahaha well, he should give you the best estimate and you wont go away that way.
Who's the guy you are working with? Post his name here so we know as well.
As for the cost; unless you are getting a stellar rate that is to your advantage I'd look elsewhere and drop these guys. Even if things go your way but what if you run into issues later and you'd want to change your mind?
I say this because this is not the norm based on all the replies...
Shahhere
As for the cost; unless you are getting a stellar rate that is to your advantage I'd look elsewhere and drop these guys. Even if things go your way but what if you run into issues later and you'd want to change your mind?
I say this because this is not the norm based on all the replies...
Shahhere
Michael Young
American Federal Mortgage Corp.
360 Route 24
Chester, NJ 07930
Direct: 862-259-3162
Fax: 866-709-3898
Main: 973-927-0400
Email: mkyoung@amfedmtg.com
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Meanwhile I am also planning to offer on a different house which we liked and got preapproval for it.
Do you know if I need to wait for refinancing to be done and then move with buying a new house or doing both in parallel is okay?
We don't want to lose the house we saw so want to move forward with our offer.
Thanks.
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