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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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.
- Rates ratchet back up by the time you're ready to refinance again
- Hard pull of the credit & new line of credit pulls your credit down so you're not eligible for the best rate (this would really only happen if you were on the borderline between credit profiles).
Otherwise, your strategy is what a lot of people in this thread are doing.
- Rates ratchet back up by the time you're ready to refinance again
- Hard pull of the credit & new line of credit pulls your credit down so you're not eligible for the best rate (this would really only happen if you were on the borderline between credit profiles).
Otherwise, your strategy is what a lot of people in this thread are doing.
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I have also seen in some cases where Better has simply provided credit to match the costs of your own Title company instead of switching and starting over.
This time around I had to talk to a CS agent to get the scoop on things at Radian but she confirmed that the orders need to come from the lender directly and I was able to convince her to quote me again as I've 8+ title searches with them on file
Shahhere
Or do you mean like escrow for title and stuff?
Got 2.875% with no points/lender fees through GR
New York State, 625k loan size, 53% LTV, 64% CLTV
I'm paying a quarter point for an escrow waiver since I think I can make back the interest by self-escrowing into my HELOC (currently at PRIME +0% -- 3.25%)
AFME offered me 3% but were concerned that they wouldn't be able to lock rates long enough to complete subordination + CEMA. Super nice folks, though.
Better.com offered me 2.875% w/ nearly $11k in fees No Thanks! New York tends to be hit or miss though.
Any comments are welcome !
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