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
We did 7 hard credit pulls. No problem.
If this is important you (it should be), spend a little time reading.
Did anyone have success in getting Better match a competitor for a $500K+ loan?
What step are you with Better.com that you stopped? Did you lock the rate?
Shahhere
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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?
2.675%(this is the lowest rate that will EVER be available on a 30 year fyi) with a lender credit of $1,744, covering a portion of the costs
2.75% with a lender credit of $3,000(this is the max credit we can offer), covering a portion of the costs
Did anyone have success in getting Better match a competitor for a $500K+ loan?
2.675%(this is the lowest rate that will EVER be available on a 30 year fyi) with a lender credit of $1,744, covering a portion of the costs
2.75% with a lender credit of $3,000(this is the max credit we can offer), covering a portion of the costs
2. Watermark seemed ready to match LoanCabin's 2.625 which would have been about a $2900 lender credit. I didn't pursue.
3. Better matched my deal with LoanCabin, which was better than the one you have (290K loan). And of course there is the $2500.
That might be the best you can do, but rates are continually going down, so I'd at least see if Better will match for an easy 2.5K+.
4. Some people have mentioned that their Waterloan numbers wound up being not what they were originally told, so be careful for that.
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