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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My C is only $1,100. The title policy for me is around $175, endorsements and CPL another $100 and then abut $800 in fees from the settlement firm added in.
For what its worth LoanCabin has been really slow but their quote and Estimate were an exact match without surprises or changes despite being later by 4 days.
Shahhere
Just did it again- better beat WM LE by a few bucks - 2.25% (15yr) with $1900 in credits. Told me I didn't use the amex Iink to sign up but account was tagged as amex acct so would be getting the credit again! Had to pay appraisal but already found out that would be waived and will get that refunded at closing. All in all should get all costs paid with credits and about $1000 towards escrow in credit + the amex credit. Definitely a slickdeal!
If the loan gets sold I don't think it applies. Many lenders will not let you apply or refinance in that timeframe.
Shahhere
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FROM LINK:
To be eligible for the $2,500 statement credit, you must (i) click-through the dedicated offer link, and (ii) submit a completed application on Better Mortgage's webpage dedicated to the offer no later than 7/25/2020, and (iii) close on your mortgage no later than 10/28/2020.
If the loan gets sold I don't think it applies. Many lenders will not let you apply or refinance in that timeframe.
Shahhere
So many bad reviews lately and I'm currently on the fence at the moment. is anyone having a problem with better.com?
Right now, rates have gone down even lower for 30 year fixed, and 2.625% with lender credits covering A+B+C is now available. Lock it when you get one. As I said before, you've got to apply to 10-20 places. That would include all the ones mentioned in this thread in the last 2 weeks. Half of them will ignore you, even though by law they have to provide you with a loan estimate in 3 business days. Just deal with the ones that respond to your complete application.
If you're too lazy to apply to all the places mentioned in the last 2 weeks, then I can't help you. Every loan officer at every lender is different each day, and just because one person got a good deal at one place today doesn't mean everyone will get a good deal today. So you've got to try all the places and see who is in the mood to give YOU a deal today.
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