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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Thanks for any help..
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.
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.
Locking in the mortgage industry is a *big deal*, and most mortgage brokers pay for broken locks. Better is clearly in some VC type of model where they are burning through cash. This sense of entitlement is nuts!
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Locking in the mortgage industry is a *big deal*, and most mortgage brokers pay for broken locks. Better is clearly in some VC type of model where they are burning through cash. This sense of entitlement is nuts!
LOL, I hear yea as I am a serial refinancer lol and this is probably the most competitive the market has been in the last 4-6 months.
The problem is many people are getting the FOMO and the others posting is setting a precedence of expectation and Better is not helping is cause as its very inconsistent.
In the past the rate drop had to be a .25% which is rare as most times its only 1/8th so yea this whole thing with Better is nuts as well as other lenders who are matching with other Lenders and essentially negotiating....never happens..
Shahhere
When can I start applying to refi again? After closing? After funding? Or do I need to wait longer? And will a lender let me refi at 2.875 or do I need to go down to 2.75 or lower?
Also, I had initiated an application with Better but they declined to match my current lender. The application is still up on the Better website. Is there a way to wipe out this app and start over again with them? Or should I use a new email account, or another strategy? Thank you!
In NY, currently paying 4.5% on a 30 yr, 263,000 left.
Any of these good rates?
Thanks
In NY, currently paying 4.5% on a 30 yr, 263,000 left.
Any of these good rates?
Thanks
In NY, currently paying 4.5% on a 30 yr, 263,000 left.
Any of these good rates?
Thanks
If you are looking to go with a 20 year mortgage try to find a competing loan estimate and have Better match it. I'm sure you can do better than what shows up on your table.
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Do we need exact same services listed if we want to shop with others?
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