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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9,848 Comments
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Some genius help appreciated.
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.
What I did was go to https://www.nmlsconsume
You can email one or email a couple. Do not use the webform use their actual email. See who responds quickly and is willing to work with the rate for you. Then if you like them you can apply for Watermark via their link and your case will be assigned to them.
I know this method worked well at Watermark but it should also work for places like Loan Cabin. Here is their link https://www.nmlsconsume
Their is also a filter at the top to filter by "Any Regulator" which you can pick your state.
The original so called draft LE didn't have this.
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
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She even did not even try to make an offer and suggested I go ahead and go with the other lender since the $2,500 credit could not come close to making up the difference in fees. I was shocked when she said that but I am glad she was honest with me.
My part B lists appraisal fee of $550 which will count towards closing cost total part J.
But I already paid for it out of pocket when scheduling the appraiser. So I'm already out of pocket $550 and then pay another $550 at closing. My Amex should refund $550 due to this deal. But I'm still down $550 since I pay twice. Does this sounds right?..
As we paid outside the LE, it should be 0 in the LE otherwise, we will end up paying again. I sent an email yesterday and so far did not hear from them .
They keep reminding me about my tasks but never bothered to respond to my calls. The schedule site says that no slot is available until 31st July.
Strange ways, they will bug you until you lock the rate, and once you do that, they don't even bother to respond.
She even did not even try to make an offer and suggested I go ahead and go with the other lender since the $2,500 credit could not come close to making up the difference in fees. I was shocked when she said that but I am glad she was honest with me.
What step are you with them?
I am about to close early next week/midweek. I want to know if I have any leverage or not.
Shahhere
I am about to close early next week/midweek. I want to know if I have any leverage or not.
Shahhere
She even did not even try to make an offer and suggested I go ahead and go with the other lender since the $2,500 credit could not come close to making up the difference in fees. I was shocked when she said that but I am glad she was honest with me.
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