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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!!
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What are people keeping of proof of the Amex deal? I have the initial email stating Amex in it and a screen shot of clicking on the deal. I was told over the phone that I would be getting the credit. Was there a verification of the Card number at some point in the process?
And the deadline of 7/25 is for APPLICATION, as long as the loan closes in October you're fine. Even once you're locked in, I've read forumers still being able to pricematch - agree with you it is some legwork to get other rates but I think it is worth it! I also locked in at 2.75% will end up decently ahead (~$1800) after AMEX $2500 credit.
What are people keeping of proof of the Amex deal? I have the initial email stating Amex in it and a screen shot of clicking on the deal. I was told over the phone that I would be getting the credit. Was there a verification of the Card number at some point in the process?
First was when signing up for better.com/amex. it said "As an American Express® Card Member, you have access to an exclusive offer when you refinance a home with us at Better.com — including a $2,500 statement credit, a free appraisal with rush support, and a Better Dedicated Concierge. In order to receive the statement credit, you must close your mortgage by 10/28/2020."
Second was the task to input your card. Mine came will final closing disclosures. It stated "Please input the last five digits of your active personal consumer American Express Card where you would like to receive the $2,500 statement credit."
Finally, the day after funding, I got an email stating "Congratulations on funding your loan, bumoftheday! You can expect your American Express® statement credit to be applied to your account within 8-12 weeks."
If you are worried about what they think, tell them you got a better offer with another company. Then move on.
Just like these companies want to play hardball, keep letting them throw their breaking ball in the dirt. Then... When you get the LE match, you finally get the financial pitch you desire and hit the walk off to left.
What are people keeping of proof of the Amex deal? I have the initial email stating Amex in it and a screen shot of clicking on the deal. I was told over the phone that I would be getting the credit. Was there a verification of the Card number at some point in the process?
2.25% 15 year fixed.
A+b+c= 3080
Credits= 2450
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I locked few weeks ago. I told them interest rate went down. They told me that they cannot re lock the interest rate but if I can get a better offer they will try to match it.
Is there any other online site I can use to get rate so that I can request better to match it?
My loan amount ~220k
Has any one had this experience? i thought they would def offer some thing better.
Questions:
1. Do I need to see a task at this stage for entering my amex card number ?
2. There is a task that says "We expect your loan to fund early in August. Please do not make your August mortgage payment as it could adversely affect your required cash to close."
Do I need to turn off auto pay for my current lender or what should we do here?
Thank you.
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