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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Refinancing Again. Lowering Rate from 3.125% to 2.875%
Better providing ~$2,400 in credit which covers all of my costs minus $2,500 of escrow, which I will roll into loan. Then 8-10 weeks will get another $2500 AMEX Credit
This is my third refi with Better and by far the slowest. It started off fast as usual but they've had my title report for 8 days and I've been there since. Last time they received and approved on same day and time before that it took 2 days. I asked my rep and she acted like it was normal (though I looked her up on Linkedin - she's been there for 2 months, she's just BS'ing most likely). I'm hoping to close by end of month. I'll follow-up when I get my credit to give others the timing of such.
Good luck getting the best deals guys!
trigger earlier on this (besides covid19 going on) was the cema and higher rate a few months ago. Better didn't support cema the first time I tried applying when this thread popped up. I had even ask the csr about the transfer tax for NY and if they supported cema. they were just like "yeah its standard for NY and we don't do cema". Oh yeah, I also have the 750 lawyer fee. That might be bank attorney which they're going to charge something for regardless.
There is also the possibility that they wont match as has been the case for many.
Shahhere
Better has beaten 2 other estimates for me, one right before locking and again right before closing.
How does things move if I choose local company/attorney services for closing?
What is the process?
Thanks,
Rama.
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When you "lock" a rate, you lock the entire rate sheet, so even without having them match to another lender's LE, you can switch to a lower rate (for higher fees, unless they're trying to beat a different LE)
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.
Anyone who used them... at what point do they give the LE after applying? Via email, portal, or docusign type setup?
Going to try anyways. I'm currently at 2.375% / $2 points with my Better app, i'd love $1800 more towards me. My title search is taking FOREVER this 2nd time around. No reason too but i have checked in with my Better processing expert and he's very responsive but told me they are awaiting on it. From the same company that did my title search 5 months ago within 2 days. Its now at 21 days.
2.875% /15 yr for 300k loan with a+b+c - credits= -5k
Is that a decent Refinance deal to you?
Compared to 2.25 % that starts to get better in terms for total net interest paid only after 5th year.
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Let us know how it goes
If nobody posted anything, then we would not know about this stuff. Do you expect him to send a PM to a few thousand people?
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