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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Use https://www.nmlsconsume
The terms say this:
The value of the statement credit may be taxable income to you, and you are responsible for any federal, state or other taxes resulting from the credit. Consult your tax advisor if you have any questions about the tax treatment of your statement credit.
Anyone who've closed out can chime in?
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The terms say this:
The value of the statement credit may be taxable income to you, and you are responsible for any federal, state or other taxes resulting from the credit. Consult your tax advisor if you have any questions about the tax treatment of your statement credit.
Use https://www.nmlsconsumeraccess.or...loan+cabin [nmlsconsumeraccess.org] to verify that LO is licensed for your state. Probably even better to just email them before you apply so you can just work directly with them and see how fast they respond.
~200k loan, 78% LTV, 780+ credit
30 year fixed @ 2.875%
A ($0) + B ($64) + C ($1162) = $1226
Lender Credit - $1788
Expected AMEX Credit - $2500
Net result ~$3000 cash in pocket and going from 3.5% (just closed Dec 2019) to 2.875% which should save me thousands over the life of the loan.
Timeline -
July 1 - Applied w/ Better (rates were not competitive); same day sent in competing LE from Loan Cabin - 2.875% 30 years A($0) + B($510) + C ($1255) = $1765, no lender credits
July 2 - Better beat LC but took into consideration AMEX credits - 2.875% 30 years - A ($868) + B ($64) + C (1161) = $2093; Decided to lock and move forward since it was still ~$400 cash in pocket after AMEX 2500 credit
July 3 - Title Ordered
July 8 - Loan Conditionally Approved
July 11 - Title Received/Cleared
July 14 - Requested and received another LE from Load Depot (2.75% @ 30 years, zero lender fees/credits)
July 16 - Better offered 2.875% 0 points w/ 1788 lender credit (see above for complete ABC); Said they coudl do 2.75% but would need to pay points/lower credit; Accepted and Refinance got final approved
July 17 - AMEX task to put in last 5 digits card info
July 20 - Initial closing disclosures and scheduled closing date
July 22- Received final closing disclosures
July 23 - Closed / signed with mobile notary, waiting on loan to fund
2.5% on a 30year. No points. A+B+C=$1100. $500 in lender credit. $2500 in AMEX promo.
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