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
Item 1 of 1
expiredGreenworld123 posted Dec 08, 2019 02:27 PM
Amex offer: $2,500 statement credit for home refinance Better.com
American Express Giftcards
Visit RetailerGood Deal
Bad Deal
Save
Share
Leave a Comment
9,848 Comments
Sign up for a Slickdeals account to remove this ad.
What I mean is I'd rather take higher rate then take more credit, but if maximum set by better is 5k, no point in matching like 2.5 then taking 2.75.
Sign up for a Slickdeals account to remove this ad.
Current Loan: 3.5% fixed rate with 22 years remaining.
House: Primary Residence, SFH, estimated value $1.2M. Loan amount $230K with LTV = 20%. 800+ credit scores.
Looking for 20 year loan with no escrow and no cash out. Located in San Diego, CA
Four rounds with Better to improve LE from: 2.875% at $3500 (A+B+C) to 2.75% at $975 (A+B+C) plus $200 Lenders Credit. This does not include the $2500 AMEX Credit.
I checked with a couple of lenders and they said they cannot beat my latest Better LE and this did not factor in the AMEX $2500 credit.
I know my LE rate and credits are not as good as some of the other posts, but I have not been able to get anything better.
I plan to close with Better. Overall, its been a good experience.
Short question - new home purchase, first time home buyer. Should they initiate the soft pull today? How long is the application? Will filling out the better.com application make them $2.5K eligible before midnight tonight when offer expires?
Back story
They (husband and wife) have a Amex, just had a baby this week, and are planning to look for a house, their lease is up in November of this year. They're not sure if they will find a house in their budget, area, reasonable time frame and close by October 28th if that matters. 800+ credit. Good salary and paid maternity leave. If they can't find the house they will extend their Apartment lease to another 6 months. Thanks for any insight.!
This is the response I got from my concierge -
"Thanks for reaching out! Your application is good for 30 days so as long as you lock in your rate prior to the application expiring, you will qualify for the statement credit."
Not sure if the 30-day application validity was mentioned before.
Current Loan: 3.5% fixed rate with 22 years remaining.
House: Primary Residence, SFH, estimated value $1.2M. Loan amount $230K with LTV = 20%. 800+ credit scores.
Looking for 20 year loan with no escrow and no cash out. Located in San Diego, CA
Four rounds with Better to improve LE from: 2.875% at $3500 (A+B+C) to 2.75% at $975 (A+B+C) plus $200 Lenders Credit. This does not include the $2500 AMEX Credit.
I checked with a couple of lenders and they said they cannot beat my latest Better LE and this did not factor in the AMEX $2500 credit.
I know my LE rate and credits are not as good as some of the other posts, but I have not been able to get anything better.
I plan to close with Better. Overall, its been a good experience.
Sign up for a Slickdeals account to remove this ad.
Short question - new home purchase, first time home buyer. Should they initiate the soft pull today? How long is the application? Will filling out the better.com application make them $2.5K eligible before midnight tonight when offer expires?
Back story
They (husband and wife) have a Amex, just had a baby this week, and are planning to look for a house, their lease is up in November of this year. They're not sure if they will find a house in their budget, area, reasonable time frame and close by October 28th if that matters. 800+ credit. Good salary and paid maternity leave. If they can't find the house they will extend their Apartment lease to another 6 months. Thanks for any insight.!
When can you lock your rate?
Locking your rate is the first step to starting the loan process. You can lock your rate once you've given us some basic information about your property, income, and authorized a hard credit pull. If you're buying a home, you'll also need a signed purchase contract for your new property.
Leave a Comment