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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2.5% on a 30year. No points. A+B+C=$1100. $500 in lender credit. $2500 in AMEX promo.
2.5% on a 30year. No points. A+B+C=$1100. $500 in lender credit. $2500 in AMEX promo.
I tried to start another loan application on their website but the first step is to put in my property address, then it says "You already have a loan application for this address" and does not let me start a new application.
Would appreciate any tips if anyone knows how to work around this to get another application started while in closing stages of current refinancing.
*UPDATE* - Looks like if you are signed out of your better account it lets you start another app... Not sure if it will qualify but perhaps it's worth a try?
2.5% on a 30year. No points. A+B+C=$1100. $500 in lender credit. $2500 in AMEX promo.
~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
thanks guys, a couple of friends were told they had to lock today, but I think they were just being pushy sales people
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I tried to start another loan application on their website but the first step is to put in my property address, then it says "You already have a loan application for this address" and does not let me start a new application.
Would appreciate any tips if anyone knows how to work around this to get another application started while in closing stages of current refinancing.
edit:
maybe switch browser or use incognito/private to make sure it doesn't get confused with the other account
I tried to start another loan application on their website but the first step is to put in my property address, then it says "You already have a loan application for this address" and does not let me start a new application.
Would appreciate any tips if anyone knows how to work around this to get another application started while in closing stages of current refinancing.
*UPDATE* - Looks like if you are signed out of your better account it lets you start another app... Not sure if it will qualify but perhaps it's worth a try?
edit:
maybe switch browser or use incognito/private to make sure it doesn't get confused with the other account
2.5% on a 30year. No points. A+B+C=$1100. $500 in lender credit. $2500 in AMEX promo.
I tried to start another loan application on their website but the first step is to put in my property address, then it says "You already have a loan application for this address" and does not let me start a new application.
Would appreciate any tips if anyone knows how to work around this to get another application started while in closing stages of current refinancing.
*UPDATE* - Looks like if you are signed out of your better account it lets you start another app... Not sure if it will qualify but perhaps it's worth a try?
Sign up for a Slickdeals account to remove this ad.
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