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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But the agent mentioned they can match if I provide LE from other lender.
My question is to get LE you have to apply at other lender (with better rate) ? That means hard credit pull ?
Is there any other way to get LE without hard pull ?
OR
How you guys submit competitive offer to better.com ? Please help me friends. THanks
But the agent mentioned they can match if I provide LE from other lender.
My question is to get LE you have to apply at other lender (with better rate) ? That means hard credit pull ?
Is there any other way to get LE without hard pull ?
OR
How you guys submit competitive offer to better.com ? Please help me friends. THanks
On my list of things to do on better there is a place to submit a competitive offer. For me, I applied, they immediately called me, I told them about my competitive offer, they had me send it by e-mail, and they accepted it within a couple of hours.
But the agent mentioned they can match if I provide LE from other lender.
My question is to get LE you have to apply at other lender (with better rate) ? That means hard credit pull ?
Is there any other way to get LE without hard pull ?
OR
How you guys submit competitive offer to better.com ? Please help me friends. THanks
Good/Bad?
This would be my second chance. I already Refinanced with Better.com in Feb. Let's see.
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But the agent mentioned they can match if I provide LE from other lender.
My question is to get LE you have to apply at other lender (with better rate) ? That means hard credit pull ?
Is there any other way to get LE without hard pull ?
OR
How you guys submit competitive offer to better.com ? Please help me friends. THanks
Ughh this question again
Shahhere
Loan Cabin (LC):
- Were the most competitive 2+ weeks ago and got a 2.75% with $1000 in credit in a quote and in the Lender Estimate (LE).
- Took them 3 days to get a LE out.
- Asked for a float 1 week later as better credit was showing up and again after 3+ days got a confirmation but again 4+ days out I haven't seen anything that is emailed with a LE that shows any changes and have been impossible to respond in general.
- I'd still recommend them as they were upfront on the costs but know that they will be slow and closing will probably be close to 60 day as quoted but shouldn't be any surprises.
I used LC to bring my initial Better.com rate down from 3.375% to 2.75% and a smaller credit. Was told that's the best they can do at this stage and to see if other teams later in the steps would be willing to match things more.Watermark (WM)
- Watermark's rate at 2.75% with "No Closing Cost & $3500 back" did not holdup on the original Loan Estimate as it was $1499 in Org Fees and $3000 in credit. Thats only a $1500 credit in reality. Did take them 3 days to get that to me and the reason was quoted as being 3 days out for the ## changes which isnt my fault.......
- 1 Day Later updated LE from WM at $3500 credit but still $1499 in org fee is still not what was quoted upfront and "no closing costs" cannot include Org; sorry that's not accurate. That's now a $2000 credit essentially.
- I'd still recommend them if you are shopping for the lowest rate and want to get the refi done but know the above esp if you aren't moving along with Better.com
- I've asked them to provide $3500 Credit and I am ready to lock ASAP but don't have an answer.
Again I sent this over to Better to Beat and after 3 days of pestering my listed contact I have an update that Better is willing to "meet" my offers somewhat in the middle at 2.75% with $2150 in credit. I think this is as best as I can do and not wanting to spend more time and energy and get things done.Shahhere
So i guess that counts as qualified.
Did anyone have success in getting Better match a competitor for a $500K+ loan?
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Good/Bad?
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