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
American Express Giftcards
Visit RetailerGood Deal
Bad Deal
Save
Share
Leave a Comment
9,848 Comments
Sign up for a Slickdeals account to remove this ad.
https://selling-guide.fanniemae
So, other than Better, WM and Loan Cabin, who else is quoting decent rates?
Sign up for a Slickdeals account to remove this ad.
WM A+B+C = 5180 (includes $500 appraisal, $425 land survey, and $350 survey fee) less 2100 credit = 3080
Better A+B+C = $2980
But better already waives the appraisal fee and the survey fees (not sure why there are two) won't be charged anyway as I already have a survey. So i feel like those should be deducted out (or at the minimum the survey fees) should be deducted out, when Better runs the calculation to "beat" WM. Right?
Of course, Better sent over their LE at close and the email says I need to lock tonight or the rates expire. I've sent a reply email but they are already closed.
Any thoughts on what I should do? Go ahead and lock and then try to get an additional credit tomorrow? Or roll the dice that they will match tomorrow?
I did try to "fight" it but couldn't get a hold of anybody but the receptionist folks all day. In the end my guy got back to me that the wait was he tried to get management to match it but they wouldn't... I think he was bull sh*tting me about that though. I think their policy is basically they will screw you as much as they can with their loan estimate. I think your case may have more merit than mine, but you'll probably just be wasting your time.
Some good news, the part about rates expiring at midnight is likely not going to be a problem. They confirmed that today.
In any case I locked in and I'm proceeding with Better, since with the $2500 they still beat LoanCabin by over 2K. I had a lot of trouble getting a hold of somebody after that, but when I called the receptionist woman was able to confirm the Amex offer was added.
My final numbers should be 290K off of 400K value 30 years 2.625 with no origination fees 1300 lender credits, and 2500 from Amex. Even if rates continue to go down, the Better/Amex offer is going away soon, so I'm happy.
I would like to try to refi again if possible. Will the lenders permit me to refi to make my loan .125 lower? Or does it need to be . 25 lower or more? It is helpful to delete my current Better application and start over in hope of getting a loan officer that's more eager to match than my previous guy was? Thanks!
Sign up for a Slickdeals account to remove this ad.
Leave a Comment