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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I tried calling them but they are unable to reach my team member for an answer.
Has any one had this experience? i thought they would def offer some thing better.
I have a lender that was servicing my loan in 2014 who I had reached out last week to see what they could do as their letter stated that they'd beat any offers out there.
Not having high hopes and even if they beat it I'd figured it was only by a hundred at best but lo and behold they have taken my Better Estimate of -$2150 for 2.75% and are kicking back a really large credit at the same rate and kicking back almost -$6600. The credit is large enough for me to consider this a "True No Closing Cost" loan and not bring any money to close.
Verbally this was unheard of yesterday and I do have a Loan Estimate reflecting that credit and am awaiting the Lender to "Lock" the rate/credit so I can fully share/post the Lender details and here. I highly doubt that others will be able to replicate this deal My 227K loan with 47% LTV and a good Debt to Income and Credit score combined with probably some sort of an exemption by the lender?
I've sent it to Better but don't think they'll come close and think they'll flat out reject the match. I'll post the Lender Info and the Direct Contact to the LO who helped me and she is willing to do similar PriceMatch deals and stated to mention "Shahhere" so she can keep track of the source of this information. I AM NOT GETTING ANY KICKBACKS FYI so proceed at your own will at this point if you do or don't believe me
Shahhere
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He promised me $2k in lender credits on the phone, but came back said they couldn't do that.
I can take this to better.com, but how do those numbers sound. This is for 30 year fixed.
Sharing my experience with a Better pricematch:
TX property, 70% LTV, 780+ FICO, ~$300k refi on 30 year fixed:
LoanCabin - 2.625% with $600 lender credit (don't know what A+B+C is, have not received LE)
WM - 2.75% with $4k (A+B+C) costs and $3k lender credit with LE
Better - Matched WM with 2.75% with $2.6k (A+B+C) costs and $2300 credits
Experiences
I wish LoanCabin moved faster (application with hard credit pull on 7/13) but other than email quotes, have not been able to get anyone on the phone.
WM has been SPECTACULAR to work with, super fast & responsive. Needed to have hard credit pull to get WM but was great to work with.
Better had a pretty horrific first offer ($7k A+B+C with $0 credits at 2.75%) and really trimmed it down.
What's lender is WM?
What does A+B+C stand for?
I have a lender that was servicing my loan in 2014 who I had reached out last week to see what they could do as their letter stated that they'd beat any offers out there.
Not having high hopes and even if they beat it I'd figured it was only by a hundred at best but lo and behold they have taken my Better Estimate of -$2150 for 2.75% and are kicking back a really large credit at the same rate and kicking back almost -$6600. The credit is large enough for me to consider this a "True No Closing Cost" loan and not bring any money to close.
Verbally this was unheard of yesterday and I do have a Loan Estimate reflecting that credit and am awaiting the Lender to "Lock" the rate/credit so I can fully share/post the Lender details and here. I highly doubt that others will be able to replicate this deal My 227K loan with 47% LTV and a good Debt to Income and Credit score combined with probably some sort of an exemption by the lender?
I've sent it to Better but don't think they'll come close and think they'll flat out reject the match. I'll post the Lender Info and the Direct Contact to the LO who helped me and she is willing to do similar PriceMatch deals and stated to mention "Shahhere" so she can keep track of the source of this information. I AM NOT GETTING ANY KICKBACKS FYI so proceed at your own will at this point if you do or don't believe me
Shahhere
Let us know how it goes
What's lender is WM?
What does A+B+C stand for?
Go over to my thread and read all about it:
https://slickdeals.net/forums/showpost.php?p=
Shahhere
Let us know how it goes
Oh come on
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Let us know how it goes
1. To be honest I don't mind posting in public as I wouldn't want that information suppressed or hidden or for someone else to have an agenda to get referrals etc and would defeat the whole purpose of this information sharing.
2. A lot of you are PMing and I don't mind sharing the information but as I said before the offer is tooo good and unless I have a locked Doc set or LE it might setup a bad precedence for everyone as I said I doubt that people would even be able to replicate (I have 1 person who hasn't been but LTV and Credit were lower ).
3. I've been upfront and honest with the LO so using "Shahhere" as the reference (not referral) will give her the benefit of the application to get price matching as she said she is comfortable with it. Lastly if this doesn't work or NO one else is able to replicate then I'll adjust things as well.
Shahhere
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