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!!
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This one was a bust for me!
Anyway I think I am done shopping. Better is putting ~$2700 in my pocket after taking care all costs and fees and taking my rate down from 3.375% to 2.75%. I am going to take the money for now and go for a next round of refi in a few months. If every round of refi is as lucrative, I am going to start refi-ing for every 1/8th drop in rates! LoL!
Please keep in mind that I am not complaining about the $1499 fee. It was there on both the versions. Their other fees which bamboozled me
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I know he is answering people as I referred a friend too. After today, if he doesn't respond, I'm going to tell them to cancel it and tell my friend to switch.
Nonetheless, I went ahead and applied to LoanDepot, and loan cabin.
I also sent an inquiry to watermark, but it essentially wasn't an online application, says something about they will call me.
Glanced at Aim loans, but their rate table shows around 3% and 1000 lender fee, so I havn't gone any further on an actual application.
Anywhere I should probably apply otherwise for here in South Carolina? looking for 30yr fixed refi.
http://www.mortgagenew
https://slickdeals.net/forums/showpost.php?p=
Loancabin is actually advertising 2.375 as a rate for 30 fixed on their site (2K points). Up until today the were advertising only 2.5.
BTW this is LDs rate chceck page that is not publicly available but updated on a daily basis:
https://loans.loandepot
The rates are not competitive here but they do move with the market. You probably need to talk to a LD LO to get the best rates.
Other page that I follow that tells the market mood is the Provident Funding rates page:
https://www.provident.c
Even though their rates are generally higher than the ones discussed here this page gets updated on a daily basis and sometimes 2 to 3 times a day and is a good indicator of how the mortgage market is moving.
8 days later the title process updated to reflect title received and 10th day LE updated to reflect my charges from 2200 to 14xx.
Shahhere
15 year: 2.25% plus $1500 credits (before ABC)
30 year: 2.50% plus $1500 credits (before ABC)
I initially wasn't going to go with a 30 year but at that rate I'm really tempted. I haven't received (or asked for) the LE yet. I see some others above with higher lender credits and similar rates but this is the best I've come across after applying to half a dozen lenders.
300K Loan, 60% LTV, excellent credit.
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