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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Better was not able to match. Probably it's tough to match now.
Are they still honoring the $1000 if we end going with other lender ?
Better was not able to match. Probably it's tough to match now.
Are they still honoring the $1000 if we end going with other lender ?
Title Ordered June 25th -> Title Recieved June 30th -> Title Cleared July 10th
Original Contract Closing Date was 8/7/2020
Once you are fully approved and sign the closing disclosure, they will send you a task to chose your closing date. You can chose whatever you want. I chose next Monday.
Yes, I did before I got the LE. They gave me info on their float down terms that I'm not eligible for as rates haven't quite dropped enough yet.
I'm sending the LE to them now that it's official. Would love if they matched.
20 year refinance. No fees paid by me at all yet.
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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Better was not able to match. Probably it's tough to match now.
Are they still honoring the $1000 if we end going with other lender ?
Those are some awesome numbers. I did not get a good one from Watermark
FICO: 760+
45 day rate lock
30 year fixed
Estimated closing costs:
Origination: $1499
Appraisal: $500-$600 – we may get a waiver on this
Title/Settlement: $2191
2.750% -- Principal and Interest Payment: $1212 – Includes a Lender Credit of $371 towards the above costs
2.875% -- Principal and Interest Payment: $1232 – Includes a Lender Credit of $2228 towards the above costs
FICO: 760+
45 day rate lock
30 year fixed
Estimated closing costs:
Origination: $1499
Appraisal: $500-$600 – we may get a waiver on this
Title/Settlement: $2191
2.750% -- Principal and Interest Payment: $1212 – Includes a Lender Credit of $371 towards the above costs
2.875% -- Principal and Interest Payment: $1232 – Includes a Lender Credit of $2228 towards the above costs
I understand and my "C" is very high too because of GA. I am just trying to get as little as possible out of pocket.
Any one went through this and suggestions on what to do?
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Better - 2.75% with A+B+C cost of $7k with no credits
Watermark - 2.75% with A+B+C cost of $4200 with $3k credits
Time to pricematch Better! will let everyone know how it goes...
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