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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9,848 Comments
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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.
Aimloan appears to show better rates.
In NY, currently paying 4.5% on a 30 yr, 263,000 left.
Any of these good rates?
Thanks
Do we need exact same services listed if we want to shop with others?
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.
It just doesn't seem right and I am worried that when a more accurate value is reflected on the official loan document, figures might change to the borrower's disadvantage.
Anybody can chime in about the possibility of such scenario?
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If better won't match (and I know they don't have to) can I walk away at this point and go with LoanCabin?
If better won't match (and I know they don't have to) can I walk away at this point and go with LoanCabin?
If better won't match (and I know they don't have to) can I walk away at this point and go with LoanCabin?
If you didn't pay an application fee, lock fee, appraisal fee, or any other upfront fee, then you lose nothing when backing out.
I'm sending the LE to them now that it's official. Would love if they matched.
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