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
Item 1 of 1
expiredGreenworld123 posted Dec 08, 2019 02:27 PM
Amex offer: $2,500 statement credit for home refinance Better.com
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Thanks
https://www.myfico.com/credit-edu...-inquiries
I did 6-7 lenders and also did a car loan the day after closing and got sub 3% of the car.
Thanks
Rate/APR Points
3.5/ 3.713 $3314
3.875/ 4.049 $2454
4.125/ 4.264 $1875
I think this is really high based off current rates
1. Click on email link where it says continue application and fill up full application and create account and get rate from better.com ( rate is higher, at better initially, do they lock the rate and ask for amex card number ?)
2. Get Loan Estimate (LE) from some one else who got best price and match with better next day( Do they also match fees as well ( A+B+C) along with rate ?)
3. Have better.com enter the amex card number before lock or after lock when the match is done ?
4. I need an appraisal, do amex give appraisal credit back to my statement or better have initiate something.
Thanks guys in advance , it would be great help if you help with process.
1. Click on email link where it says continue application and fill up full application and create account and get rate from better.com ( rate is higher, at better initially, do they lock the rate and ask for amex card number ?)
2. Get Loan Estimate (LE) from some one else who got best price and match with better next day( Do they also match fees as well ( A+B+C) along with rate ?)
3. Have better.com enter the amex card number before lock or after lock when the match is done ?
4. I need an appraisal, do amex give appraisal credit back to my statement or better have initiate something.
Thanks guys in advance , it would be great help if you help with process.
2- Get the lowest loan estimate from competeitors
3 - Submit loan estimate to better to beat it.
4 - once they match the loen estimate or beat it, ask where you enter your amex card details as Amex told you better.com needs to submit on loan application - then lock the rate with them
5- you will pay 550 for the appraisal up dront (to lock the rate), but will be credited if it cost less nad the amex credit will go no your card.
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2- Get the lowest loan estimate from competeitors
3 - Submit loan estimate to better to beat it.
4 - once they match the loen estimate or beat it, ask where you enter your amex card details as Amex told you better.com needs to submit on loan application
5- you will pay 550 for the appraisal up dront, but will be credited if it cost less nad the amex credit will go no your card.
Question on point 3 - Submit loan estimate to better to beat it - Do I have to call loan officer assigned to me and submit to him, or is there a online location where I upload competitive LE ? and do they match fees as well along with rate?
Thanks
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
2- Get the lowest loan estimate from competeitors
3 - Submit loan estimate to better to beat it.
4 - once they match the loen estimate or beat it, ask where you enter your amex card details as Amex told you better.com needs to submit on loan application - then lock the rate with them
5- you will pay 550 for the appraisal up dront (to lock the rate), but will be credited if it cost less nad the amex credit will go no your card.
Rate/APR Points
3.5/ 3.713 $3314
3.875/ 4.049 $2454
4.125/ 4.264 $1875
I think this is really high based off current rates
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