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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I'm set to close this afternoon. Others have gotten the exact same rate and discount so keep pushing them.
HighTechLending -- 2.875% + $2000 credit
LenderFi -- 2.875% + $2000 credit
LoanCabin -- 2.75% + $2000 credit
Better - loans all the way up to 4.125% have points attached
Submitted my LoanCabin LE to Better, who responded that there's no way they can match as the best they can do is 3.125% + $13k in points.
For those asking about LC, my LE from them took 3 days to arrive - however it came with a rate lock already in effect.
Waiting for LE from LoanCabin - no emails since I submitted my application.
How long did it take to get a LE from LenderFi?
HighTechLending - just went to their website, no option to see rates/apply online. Did you get the rates via phone? Looks like they are closed today.
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I have a non matched rate now on the loan with 2.55% points on 2.25% rate. Thinking about just accepting that and then try to match with the processing team.
Or, can I just ask Better to get me new team/concierge?
I have a non matched rate now on the loan with 2.55% points on 2.25% rate. Thinking about just accepting that and then try to match with the processing team.
Or, can I just ask Better to get me new team/concierge?
Waiting for LE from LoanCabin - no emails since I submitted my application.
How long did it take to get a LE from LenderFi?
HighTechLending - just went to their website, no option to see rates/apply online. Did you get the rates via phone? Looks like they are closed today.
LenderFi was 24 hours from application to LE + disclosure package, without a rate lock. No origination charge or extra lender fees.
HTL - online quotes and application are available via this link [mortgagewebcenter.com] . I then had a phone conversation with someone two days later (who confirmed the same rate + a slightly higher credit than when I applied), however to proceed to an LE and disclosures you need to confirm via phone. $995 origination fee included on these loans.
Credit posted date June 19
Credit processed date July 10
ETA. I did not receive email or offer in my online account. just followed the better amex link to start application.
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