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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Yes, get a quote and like Radian that I've use exclusively for 8+ years they were the cheapest but their direct to consumer side is closed so I did get a customer service agent and discussed with her. Gotta call and get quote is the best thing to do to save.
The discount depends on your states reissue policy and if the Title Company is willing to waive their internal fees. With Radian I was able to get $200 waived once but that was it; 3-4 times after that nothing but I asked and they obliged
Shahhere
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I called hightech.... and they dont serve south carolina.
Loan depot, on a 280K value, 204K loan amount, he is saying 2.75% is with closing costs of $3200 AND a 1080 in buying pts (around .48 pts)
Seems way out in left field from here, but I know this is not a crazy high loan amount I have either.
With the same guy, I can do a 3% and Ihave the $3200 in closing fees (he's sending me the LE to review) and I get 1100 in credits. SO the 3200 becomes about 2100 in COSTs.
Im looking forward to hearing from watermark who I inquired but havn't heard back, and from loancabin whom I applied with and got an email saying they will contact me in a few days.
I'm currently at 3.25% from a May closing with better.com at 204K 30yr fixed.
My goal here is to come out around $1500 to the + AFTER the amex credit, so if it costs me around 1000 before amex, I'd be good with that while hopefully getting my rate down into the 2.75 +/- range if possible.
Suggestions on who else I should apply with? I applied with Sebonic when I did the april/may refi, so they might have me on file as applying and NOT going with them. Should I avoid them or apply there anyway?
Thanks
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