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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That said I am taking down their information from the site unless they have a good explanation or correction to them in a timely manner.
My guess is that the pricing "exemption" she quoted is not getting applied to loans but regardless thats not a good look so far.
At the least this helped me and a few others to increase the matching to other lenders!
Shahhere
When did you lock with better? And more the loan credits were given after lock?
For those of you that have already refinanced with Better, who did you wind up with as a loan servicer?
If you are closing today, you can try to call Better.com main number later in the evening and ask to enable your address for yet another refi and start a new app tomorrow. If you are lucky you can find a 2.625 or 2.5 match offer within the next week or two and make another 2500 on Amex (if locking is not required for the offer to work which is ymmv and unknown at this point). Also try to time your next set of credit pulls within the 45 day window from first pull so it wont hurt credit much. 15 for old scoring and 45 for new scoring is what I heard.
At this point, for you, I would reach out to Loan Cabin if you are trying to get everything settled in time. Good luck!
I wrote my concierge asking about the terms and whether or not I needed to rate lock prior to the 07/25 deadline to receive the Amex credit.This was their response.
"The deadline of 7/25 is to complete an application, which you have done! There's no deadline to lock in a rate, and the only other deadline is the 10/28 close-by date. As long as you have locked in with sufficient time to close by 10/28, you're all set. Our closing timeline is typically 3-4 weeks."
So, while I wouldn't want you or someone else to miss out on the Amex credit by relying on my anecdotal communication, it does appear that as long as you started your application by 07/25 and close by 10/28/20, you're good for the credit. Hope this helps.
When did you lock with better? And more the loan credits after lock?
I am not sure if I understand your reply correctly or what you are asking.
I had reached out to an old lender of mine who'd LO provided me a really good credit. Lender was "Caliber". I am updating the forum that the 2nd LE I got is not reflecting the 1st and that's not a good sign.
I was able to get Better.com to provide me additional credits.
Shahhere
Anyone think there is a chance that the 30 year rate goes down to 2.5% by October? That's the only way this really makes sense for me.
Loancabin shows
2.375% with 2K points now. If you select 2.5 it should be 0 points but with title fee.
You may have to call better.com main number to enable your address for 2nd refi.
I had reached out to an old lender of mine who'd LO provided me a really good credit. Lender was "Caliber". I am updating the forum that the 2nd LE I got is not reflecting the 1st and that's not a good sign.
I was able to get Better.com to provide me additional credits.
Shahhere
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That said I am taking down their information from the site unless they have a good explanation or correction to them in a timely manner.
My guess is that the pricing "exemption" she quoted is not getting applied to loans but regardless thats not a good look so far.
At the least this helped me and a few others to increase the matching to other lenders!
Shahhere
Well I got almost a $6600 credit so with the added costs its a $10,000+ swing :0
Shahhere
Shahhere
For those of you that have already refinanced with Better, who did you wind up with as a loan servicer?
The extension i am giving them that its a mistake as that might be their market rates and that the discussed "Exemption" to match a competing LE is not applied but again this is not a good look and If they stick to this as being the correct numbers and the "Exemption" not being available would make this illegal due to the jump in costs.
I should look into this in the event.......anyone have any ideas let me know:
https://www.consumerfin
Shahhere
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I applied to better earlier this week. Uploaded all documentation, etc. The only "task" to complete in my profile is to lock a rate. My understanding what that my aplication is completed for the purposes of the Amex statement credit qualification. Today, I received an email from better stating the following: "Don't miss out on your statement credit.
Finish your application to be eligible to receive your statement credit from Better Mortgage."
Anyone else get this message today? I just sent an email to my loan officer for clarification. I know there was discussion earlier this week where some LO's were saying the rate needed to be locked but that isn't in the terms.
I'm waiting on a LE from loancabin that hopefully I receive today and can get better to match so I can avoid running into any issues with the statement credit.
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