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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15 year: 2.25% plus $1500 credits
30 year: 2.50% plus $1500 credits
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.
LoanCabin doesn't have License for my State (Oregon).
15 year: 2.25% plus $1500 credits
30 year: 2.50% plus $1500 credits
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.
15 year: 2.25% plus $1500 credits
30 year: 2.50% plus $1500 credits
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.
Lastly, what was the turn around for this quote?
30 year fixed, 2.625%
A = $0
B = $0 (Appraisal waived)
C= $3000 (I can shop for Title and bring this down to $1600 easily)
Lender Credit = $2700
LTV=60%
Loan Amount =~ 300K
Like the Lone Cabin, they took 5 business days to respond with LE, but they have no-nonsense approach. WM in the same ballpark, but they have $1500 origination fees. Oh Better rejected my PM request outright and I moved on
Lastly, what was the turn around for this quote?
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LoanCabin doesn't have License for my State (Oregon).
Because they gave me a LE today and I'm thinking about it.
30 year fixed, 2.625%
A = $0
B = $0 (Appraisal waived)
C= $3000 (I can shop for Title and bring this down to $1600 easily)
Lender Credit = $2700
LTV=60%
Loan Amount =~ 300K
Like the Lone Cabin, they took 5 business days to respond with LE, but they have no-nonsense approach. WM in the same ballpark, but they have $1500 origination fees. Oh Better rejected my PM request outright and I moved on
I closed a refinance with Better last month and actually had two home appraisals done (one by local lender and other by Better). I paid for the appraisal by local lender. Better waived it as part of AMEX deal.
Trying to do it again with Better, and noticed this time they are asking to pay upfront $550 and they will refund me that amount after the closing. This is new to me. Did something change recently with AMEX deal?
Also, Better did the appraisal last month. I wonder why they are asking again for the same home.
Can't they use the last month appraisal?
Because they gave me a LE today and I'm thinking about it.
I don't see Oregon here.
Also when i was trying to apply, i couldn't find Oregon in the List?
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