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.
That being said, some people are not having success with it being matched but others as recently as a day or two have.
The interest you pay each month is exactly what the current rate is on your current balance. Amortization tables might seem like they are front loading interest. They are not. When you own a high number, you current interest is high. All the amort. table does is figure out how many and how much you need to pay to eventually get to zero.
A real loan does this.
Take the current balance. Apply the current interest. Apply the payment. Anything ABOVE the interest cost is then applied to principle.
Not sure? do a simple spreadsheet and see.
A refinance at even a quarter percent is a good deal - unless the cost do so is high. If you save $40 a month, then you just figure out how many months until you have paid back those "closing costs" and after that you are ahead.
Sign up for a Slickdeals account to remove this ad.
If it helps anyone. I was given a "Right of Notice to Cancel" until midnight 15th July on the 11th July when I signed the closing documents. There was a mandatory 3 business day waiting (13, 14, and 15 July).
Here is the notice on federal reserve website form H-9 [federalreserve.gov]
I am working with Better at 3.25% rate for 15 years (investment property less than $200k) with about $100 fees plus title plus escrow. Better said that they cannot match it.
Damn, i am late. I am closing tomorrow
Sign up for a Slickdeals account to remove this ad.
Leave a Comment