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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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.
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Think will go with that.
2.25% rate / 0 points / $123 lender credit / $2,864 closing costs.
2.375% rate / 0 points / $477.56 lender credit / $2,509.78 closing costs.
https://slickdeals.net/forums/showpost.php?p=
Shahhere
Watermark and I updated my Information post with the general acronyms, thanks in Step0
Shahhere
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Shahhere
I tried calling them but they are unable to reach my team member for an answer.
There is also the possibility that they wont match as has been the case for many.
Shahhere
C, with the title services, total cost is lower than the company my lawyer used when I bought my house. But, a few people in this thread said they shopped around and found lower pricing. I need to check into local NY title companies for a few quotes ... saving 500-1000 on title services would be pretty substantial.
But, of course, the one thing I'm waiting to see if it works out is if the CEMA is approved. I remember looking into refinancing 6+ months ago and asked my current back, they said they don't do CEMA but who knows what Better might be able to work out.
C, with the title services, total cost is lower than the company my lawyer used when I bought my house. But, a few people in this thread said they shopped around and found lower pricing. I need to check into local NY title companies for a few quotes ... saving 500-1000 on title services would be pretty substantial.
But, of course, the one thing I'm waiting to see if it works out is if the CEMA is approved. I remember looking into refinancing 6+ months ago and asked my current back, they said they don't do CEMA but who knows what Better might be able to work out.
Trust me I am baffled just yet and until I get a locked disclosure deck I wont believe it. I emailed you my Loan Estimate with other items masked out
Thats exactly what I calculated that its almost 2.9% credit and I hope its not a mistake
Shahhere
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Thats exactly what I calculated that its almost 2.9% credit and I hope its not a mistake
Shahhere
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