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: $2,500 statement credit for home refinance Better.com
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Home insurance - I pay for it directly though most pay it as part of ESCROW
Proof of coverage - ask your ins company to send a quote with the address of your property, that should suffice
If you are buying a home, you mean we just pay it upfront and send them proof and they will close the task??
What if the deal falls thru ?? I guess we need to work on a refund later.. I thought goign thru escrow will aling closing dates, payment dates and effective policy date for home insurance..
So I go and pay for policy and then close this task ??
By "No closing costs" ..... you mean A+B+C = 0 and 300$ credit? If yes, it is a fantastic deal!!
Even otherwise.. sounds great!!
By "No closing costs" ..... you mean A+B+C = 0 and 300$ credit? If yes, it is a fantastic deal!!
Even otherwise.. sounds great!!
If you are buying a home, you mean we just pay it upfront and send them proof and they will close the task??
What if the deal falls thru ?? I guess we need to work on a refund later.. I thought goign thru escrow will aling closing dates, payment dates and effective policy date for home insurance..
So I go and pay for policy and then close this task ??
but for buying a home, ask your insurance provider if they can provide a quote you can forward to Better that shows intent on insuring that way you don't have to fork any $$$ up front.
OR
Build it into ESCROW and remove insurance from your ESCROw later after loan closes
Anyway I locked my rate with LoanDepot in GA on Friday 7/9/2020
2.75%
A+B+C = 1595+112+1225 = 2932
Lender credit $2416
LTV ~65%, Credit score 780+
But I didn't get estimates from most of other lenders mentioned here. I will probably check with Loan Cabin, Better and Watermark on Monday.
Any suggestions for cheaper title and settlement in GA?
2.75% on $510,000 in NC for a 30 year
A+B+C = 0+696+1247 = $1943
Lender credit $2007
Better was way higher at A+B+C = 5135+64+2053 = 7252 and no lender credit.
Sent the LE to better to see if they will match.
Still waiting on LoanDepot and Watermark to get back with a LE.
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2.75% on $510,000 in NC
A+B+C = 0+696+1247 = $1943
Lender credit $2007
Better was way higher at A+B+C = 5135+64+2053 = 7252 and no lender credit.
Sent the LE to better to see if they will match.
Still waiting on LoanDepot and Watermark to get back with a LE.
2.625%: ABC = $2600, $300 credit
2.75%: ABC - $2600, $2000 credit
This is for a 30 yr fixed, $230k. Better can't match at all
Thanks
I assume it is the same in your case......
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