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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Gerson Alejandro | Senior Loan Originator | NMLS 689426
Sebonic Financial | NMLS 66247
9201 Corporate Blvd, Ste 210, Rockville, MD 20850-6521
Phone/Fax: (980) 321-9709 | sebonic.com
[email protected]
If it's a new company, that is.
I looked at my total out of pocket cost at the end.
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Honestly between this and the "Lock Fee" they are apparently charging I'd drop them from my list as others are not doing any of this shitty stuff lol.
Is their rate good/better than other lenders after fees? I ran my numbers through "Tony C" and was honest about them beating my best offer and the guy simply said it too good to be true and you should take the LoanCabin deal. He kept trying to tell me the Loan Estimate numbers might not be what I said until I sent it to him; he was nice but came off a little curt. If I send him the Watermark offer he'd probably fall off his chair
Shahhere
Is their rate good/better than other lenders after fees? I ran my numbers through "Tony C" and was honest about them beating my best offer and the guy simply said it too good to be true and you should take the LoanCabin deal. He kept trying to tell me the Loan Estimate numbers might not be what I said until I sent it to him; he was nice but came off a little curt. If I send him the Watermark offer he'd probably fall off his chair
Shahhere
30-year fixed
2.75% - no points
+$2.5k lender credit
+$2.5k Amex
Used Watermark for my competing LE.
WM quoted me on the phone "no closing cost and upto $3500 in credit". They sent me a $1499 Org Fee and finally after back and forth a $3500 credit.
The problem is thats not what the first statement means; no closing cost is no cost on A & B &C; they cant makeup a new definition as this is essentially just a $2000 credit. I have done a lot of these and even a "True No Closing Cost" loan where I dont bring any money to closing other than the principle amount so they lender even covers the 3-4 month escrows and taxes and I've even had money spill over in the past and that was limited to how much can be given back and the rest was applied towards principle reduction.
If WM honored the $3500 credit without gimmicks; I'd have done the loan with them.
I instead had Better match which they finally did after 2.5 days came back and gave me back $2150 in credit as there are no fees in A&B so with Amex this will be almost a True No closing cost loan refi at 2.75%.
Shahhere
https://www.thebalance.
Shahhere
I was quoted 2.625 over the phone with $3500 lender credit.
But they are taking a long time to respond, any one know a quicker way to get LE to compete with better.com?
Edit: sorry there was some confusion over the phone. The estimate was 2.75 with $3000 lender credit.
30-year fixed
2.75% - no points
+$2.5k lender credit
+$2.5k Amex
Used Watermark for my competing LE.
Sign up for a Slickdeals account to remove this ad.
I was quoted 2.625 over the phone with $3500 lender credit.
But they are taking a long time to respond, any one know a quicker way to get LE to compete with better.com?
Guys, what do you do to get such big credit?!
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