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
Item 1 of 1
expiredGreenworld123 posted Dec 08, 2019 02:27 PM
Amex offer: $2,500 statement credit for home refinance Better.com
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https://fred.stlouisfed
I'm worried that Better might tack on some signing fee etc. if I shopped around and used a different title company than their recommended one.
https://fred.stlouisfed.org/serie...GAGE15US#0 [stlouisfed.org]
It's a nice to have, but most people are unlikely to be able to benefit from it. Also, you are better served if you get another rate match before closing vs. using the float down policy, if Better does actually match the newer competitor's offer.
I'm worried that Better might tack on some signing fee etc. if I shopped around and used a different title company than their recommended one.
- 7/10/2020 - Received email with after 3 phone call conversations that "30 year at 2.75% with No closing costs, I can credit up to $3,500 towards the closing. The principal and interest payment will be $xxx a month."
- I applied and confirmed that the above is a good offer for me and to send a LE and the LO was emailing even on Saturday so things looks good.
- 7/14/2020 - After numerous calls and emails and nothing I finally heard back in the evening.
- 7/14/2020 - Offer - $1499 in Org Costs and $3,000 in credit. Complained and emailed a few more times as its not the same and got a response that the email1 was for Friday but rates changed and will see what more they can do.
- 7/15/2020 - New Locked offer $1499 Org Costs and -$3500 in Credit with new LE2. Its essentially a -$2000 credit. Its better but not what was quoted.....
No response from Better from the First emails from Better on 7/14 so not sure what and who to reach out as I have emailed this to my Teams Contact. At $3500 credit I'd take Watermark deal and be done with it as they dont even need tons of Docs....That to me is no Org Feed and $3500 in credits.
Shahhere
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How do we ensure Amex Statement credit will be applied? It didn't ask me for the card details.
Since I paid for the appraisal fee, would this be removed from my CD loan costs? so that I should see loan cost -550.
If it is removed from the loan costs, will my credits gets adjusted as well? Or credit remains same?
How do we ensure Amex Statement credit will be applied? It didn't ask me for the card details.
But always, double check with Better if the Amex Offer is attached to your loan application.
So, other than Better, WM and Loan Cabin, who else is quoting decent rates?
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- 7/10/2020 - Received email with after 3 phone call conversations that "30 year at 2.75% with No closing costs, I can credit up to $3,500 towards the closing. The principal and interest payment will be $xxx a month."
- I applied and confirmed that the above is a good offer for me and to send a LE and the LO was emailing even on Saturday so things looks good.
- 7/14/2020 - After numerous calls and emails and nothing I finally heard back in the evening.
- 7/14/2020 - Offer - $1499 in Org Costs and $3,000 in credit. Complained and emailed a few more times as its not the same and got a response that the email1 was for Friday but rates changed and will see what more they can do.
- 7/15/2020 - New Locked offer $1499 Org Costs and -$3500 in Credit with new LE2. Its essentially a -$2000 credit. Its better but not what was quoted.....
No response from Better from the First emails from Better on 7/14 so not sure what and who to reach out as I have emailed this to my Teams Contact. At $3500 credit I'd take Watermark deal and be done with it as they dont even need tons of Docs....That to me is no Org Feed and $3500 in credits.
Shahhere
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