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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Caliber; who I posted earlier came back and said sorry but they are completely backedup and that while they get the "Exemption" pricing approved by their VP which has a long queue thanks to the SD effect but that I'll get the quoted numbers. Their system automatically sends Docs over every 3 days to keep things moving.
My options:
1) Close with Better.com Next week and Blow Caliber off.
2) Close with Better.com Next week and Refinance with Caliber in Sept again as the loan will be funded but i wouldn't have made a payment so the payoff statement etc will be hard to get........No sure if I'll get the Amex credit?
3) Close with Caliber as their credit upfront is better than Better.com after Amex as well.
Shahhere
What does this have to do with 2500 amex?
Caliber; who I posted earlier came back and said sorry but they are completely backedup and that while they get the "Exemption" pricing approved by their VP which has a long queue thanks to the SD effect but that I'll get the quoted numbers. Their system automatically sends Docs over every 3 days to keep things moving.
My options:
1) Close with Better.com Next week and Blow Caliber off.
2) Close with Better.com Next week and Refinance with Caliber in Sept again as the loan will be funded but i wouldn't have made a payment so the payoff statement etc will be hard to get........No sure if I'll get the Amex credit?
3) Close with Caliber as their credit upfront is better than Better.com after Amex as well.
Shahhere
2) Close with Better.com Next week and Refinance with Caliber in Sept again as the loan will be funded but i wouldn't have made a payment so the payoff statement etc will be hard to get........No sure if I'll get the Amex credit?
3) Close with Caliber as their credit upfront is better than Better.com after Amex as well.
You've had experience with Caliber. I trust this was a good experience? People complain (rightly so) about Better and how bad they are with communication, but I'm familiar with working with that in my day job and it doesn't bother me to have do so in order to get a good mortgage. Beyond that, I have had good experiences with my two refis with Better and I just submitted my third in case I can leverage that after the closing on the second. So I would personally go with option 2, as Better is likely close to being done with underwriting and you can just get closing out of the way and move onto to option 2, even if you don't get the Amex.
What is the lock period for Caliber?
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No, there are better rates out there.
Caliber; who I posted earlier came back and said sorry but they are completely backedup and that while they get the "Exemption" pricing approved by their VP which has a long queue thanks to the SD effect but that I'll get the quoted numbers. Their system automatically sends Docs over every 3 days to keep things moving.
My options:
1) Close with Better.com Next week and Blow Caliber off.
2) Close with Better.com Next week and Refinance with Caliber in Sept again as the loan will be funded but i wouldn't have made a payment so the payoff statement etc will be hard to get........No sure if I'll get the Amex credit?
3) Close with Caliber as their credit upfront is better than Better.com after Amex as well.
Shahhere
Time to look into Loan Cabin -- does their Credit Authorization Agreement do a hard-pull or soft-pull?
Mine flat out told me he couldn't match those exact same terms for me because I didn't have a rate that low in my portal and understood that meant he would be losing my business. He also wouldn't even try to negotiate something close using the lowest rate I had available because it didn't match the rate on my LC LE exactly.
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