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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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
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
thanks,
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thanks,
Title-Lenders Title Insurance - $505
Title-Settlement Fee – $90 (if you use our in house escrow, this fee is waived on the title side)
I have a feeling that based on the rates dropping or going up the matches go through or not. It might also depend on your loan amount how much they make.
Shahhere
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.
This is what I posted before for my numbers:
- -3 point drop - Dec into January for refinance and was probably just the hard pull hitting the scores.
- -12 point drop - March after the loan funded this is unusually high as before it has been only a 6 point drop so not sure what else caused this big drop.
- +6 point Gain - June right before another refinance start; probably just recovering with on time payments etc.
- -3 point drop - Refinance applications put for multiple lenders (dozen).
- -3 point drop - July early, I think this is attributed to me applying late to Watermark for example.
So based on the trends I'll see another drop once the loan is secured and on the books of 7-12 points. My credit was in 830+ and is currently hanging out at 815 from Transunion (will vary by company).Shahhere
- -3 point drop - Dec into January for refinance and was probably just the hard pull hitting the scores.
- -12 point drop - March after the loan funded this is unusually high as before it has been only a 6 point drop so not sure what else caused this big drop.
- +6 point Gain - June right before another refinance start; probably just recovering with on time payments etc.
- -3 point drop - Refinance applications put for multiple lenders (dozen).
- -3 point drop - July early, I think this is attributed to me applying late to Watermark for example.
So based on the trends I'll see another drop once the loan is secured and on the books of 7-12 points. My credit was in 830+ and is currently hanging out at 815 from Transunion (will vary by company).Shahhere
30 year
2.625%
0 points
$1499 origination
$625 lender credit
Got an appraisal waiver. Fannie has my house at a ridiculous high value, but I'm not complaining.
Sent it to Better, but was thoroughly unimpressed with their customer service. Couldn't get a hold of anyone that could actually make a determination of if they could match it. And I've been contacted by three different people from better leading up to this but nobody can't return a message.
Meanwhile I have to say I've been very impressed with Watermark. Been dealing with one person. Emails/texts responded to in minutes and every time I've called he's picked up. Apparently my wife's company reports to some system they can use for income verification so I don't even have to send tax documents and W2s. They just needed homeowners dec sheet, mortgage statement, and photo IDs.
Edit: Figures, right after this got the updated loan estimate from Better. They ultimately did match.
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