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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2.75% - $3250 in credits
vs
2.625 - $100 pts
Closing costs will be about $1500 (no appraisal needed). kind of leaning towards the credit due to the breakeven lower rate only save 14$/month and break even is like 10 years + i think.
Yes, I've been dealing with Radian before they were Radian lol; they were called Entitle Direct and now Radian Title Direct as I've been using them for almost 8-10 years now. Their Consumer side is closed due to covid is what they told me. Only way to use them is to have your Lender Place the order for you and so I fired off and email asap to them the day I applied to Better.com
Shahhere
I only see Title-Lenders Title Insurance and Title-Settlement Fee.
Are these it?
2.75% - $3250 in credits
vs
2.625 - $100 pts
Closing costs will be about $1500 (no appraisal needed). kind of leaning towards the credit due to the breakeven lower rate only save 14$/month and break even is like 10 years + i think.
Credit 773
Refi primary residence for 417k
Value is about 570k
In North Carolina
Rate 3.375%
Points $415 (no credits!)
What am I missing to get better rates
Sign up for a Slickdeals account to remove this ad.
Credit 773
Refi primary residence for 417k
Value is about 570k
In North Carolina
Rate 3.375%
Points $415 (no credits!)
What am I missing to get better rates
2.75% - $3250 in credits
vs
2.625 - $100 pts
Closing costs will be about $1500 (no appraisal needed). kind of leaning towards the credit due to the breakeven lower rate only save 14$/month and break even is like 10 years + i think.
The way I look at the breakeven is to take the savings of $3250/$14 = 232 Months = almost 19.5 Years.
Yea, I always take a cashback offer towards closing/escrow if breakeven is more than 40-50 months or more.
Idea is that it gives you 3-4 years to refinance and invest the money you get up front somewhere at a reasonable cost.
Shahhere
Sign up for a Slickdeals account to remove this ad.
Credit 773
Refi primary residence for 417k
Value is about 570k
In North Carolina
Rate 3.375%
Points $415 (no credits!)
What am I missing to get better rates
Shop all the lenders listed on a separate thread I have posted:
https://slickdeals.net/f/14173061-07-04-2020-best-mortgage-rates-from-big-reputable-lenders-and-sd-reviews-30year-2-75-15year-2-25-etc
Apply to all the lenders that meet your criteria withing a short period or possibly the same day as 15 day inquiries all get lumped as one or take a much smaller credit hit vs taking longer. If better services your state then apply with them as well and dont lock but send them a Competing Lender Estimate and if possible have Amex linked offer later in the stages.
Shahhere
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