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!!
Item 1 of 1
expiredGreenworld123 posted Dec 8, 2019 2:27 PM
Amex offer: $2,500 statement credit for home refinance Better.com
American Express Giftcards
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9.8K Comments
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Doe this mean one has to lock in a rate with Better.com by 7/25/2020?
So if ones continues to shop, every lender they go to would do a hard pull on your credit, right?
Yes, I applied to about a dozen places and they all pulled my credit or at least 8 or them did it looks like based on my credit inquiries....so what about it?
Shahhere
Or does the rate change after they do a hard pull of your credit or did you speak to their Mortgage Expert to get your rates with the credits?
Also, did you provide any competitors rate to get a match?
I locked with Better and went though the process with them. in the meantime, I continued to shop around, using Watermark's LE to try and get a better offer elsewhere. loanDepot ended up giving me a better offer than Watermark. I took loanDepot's offer to Better and they matched loanDepot offer to the penny.
Even if I hadn't gotten a better offer and went with the initial $500 profit, I would have been happy. loanDepot just made things amazing. As anyone else here should, I will continue to keep an eye out and see if I can get a better rate.
Btw, after the May refi, my middle score went from 801 -> 792 with 7 inquiries. I'm not concerned at all.
So if ones continues to shop, every lender they go to would do a hard pull on your credit, right?
If people are messing around with the biggest purchase in their life, why would they not read at least the posts from the last day or so?
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Btw, after the May refi, my middle score went from 801 -> 792 with 7 inquiries. I'm not concerned at all.
WatermarkHomeLoans.com
Loancabin.com
Loan Depot
LenderFi
Better.com
Rate.com
Any other lenders to consider or you recommend apart from the above?
Did you?
And, even with a YES answer... it is of marginal value without knowing;
term?
points?
any credits?
Amex offer?
LTV.
State
Size of loan
Btw, after the May refi, my middle score went from 801 -> 792 with 7 inquiries. I'm not concerned at all.
Amercian Express website says "Apply by 7/25/20 and close by 10/28/20 to get this offer. Offer is only available by clicking this link and following the steps on the Better.com website."
Doe this mean one has to lock in a rate with Better.com by 7/25/2020?
Did you?
And, even with a YES answer... it is of marginal value without knowing;
term?
points?
any credits?
Amex offer?
LTV.
State
Size of loan
WatermarkHomeLoans.com
Loancabin.com
Loan Depot
LenderFi
Better.com
Rate.com
Any other lenders to consider or you recommend apart from the above?
Sebonic
Ylber Burgija | Loan Originator Inside Sales | NMLS 82375
Sebonic Financial | NMLS 66247
-
Phone/Fax: (704) 285-8064 | sebonic.com
[email protected]
American Federal Mortgage Corp.
Michael Young
360 Route 24
Chester, NJ 07930
Direct: 862-259-3162
Fax: 866-709-3898
Main: 973-927-0400
Email: [email protected]
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Join The Conversation
Share your experience with the Slickdeals community
Share information with the community. Please follow our Community Guidelines and be kind!