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% - 0pts
A+B+C = $1560
3260 credits
30yr
235k
CA
Plus Amex 2500$ credit.
Was kind of a hassle as they matched my LE but the rate reverted back as I was going to lock.. I was bit worried, but all is good now after pestering them (my mortgage expert is offf today). I'm glad better works 7 days a week and someone else was able to fix it for me. So far so good I think.
Closed on 5/29, just received my credit on 6/27, just noticed it today.
Credit posted date June 19
Credit processed date July 10
.
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2.75% - 0pts
A+B+C = $1560
3260 credits
30yr
235k
CA
Plus Amex 2500$ credit.
Was kind of a hassle as they matched my LE but the rate reverted back as I was going to lock.. I was bit worried, but all is good now after pestering them (my mortgage expert is offf today). I'm glad better works 7 days a week and someone else was able to fix it for me. So far so good I think.
2.75% - 0pts
A+B+C = $1560
3260 credits
30yr
235k
CA
Plus Amex 2500$ credit.
Was kind of a hassle as they matched my LE but the rate reverted back as I was going to lock.. I was bit worried, but all is good now after pestering them (my mortgage expert is offf today). I'm glad better works 7 days a week and someone else was able to fix it for me. So far so good I think.
Good luck everyone
And my pre-approval with Better still shows 3% w/$2100 in points. It would be over $4200 in points to go with Better's 2.75%. Not even close to being competitive.
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My best for TX is:
2.75% + 0.399% points
A= 1754
B=214
C=3232 (TX is high unlike CA)
That's final. What a difference from others....
WIth Loandepot:
2.75% with ~.35 points
A=1595
B=212
C=3054
Lender credits of 5040
Doesn't make sense to step down to 2.65% b/c it will take ~10years to recuperate the upfront lender credits that I get with 2.75%.
Fortunately, my lender title insurance (C) will get halved b/c home purchase <4 yrs so my final with LD will be:
2.75% with 1500 in credits + F + G
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