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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If anything before the lock they said they can't quite match the offer I had on hand. After that they matched 1 offer fully and then this last offer the upped it but not an exact match but I went from 3.375% with cost out of pocket to 2.75% with $3900 in credits.
Shahhere
Still hoping for the $2500 Amex credit and wondering if there's any way I can still negotiate (I.e. ask for another lender, more credits on a higher rate, etc) or if this would be enough to get their $100 price match guarantee at least. Haven't seen anyone mention getting their price match here so I'm wondering if that's something they actually honor...
Still hoping for the $2500 Amex credit and wondering if there's any way I can still negotiate (I.e. ask for another lender, more credits on a higher rate, etc) or if this would be enough to get their $100 price match guarantee at least. Haven't seen anyone mention getting their price match here so I'm wondering if that's something they actually honor...
I have not had anyone mention getting that $100 in cash for not matching or beating a LE. A lot of people have been rejected and not sure how much they pushed back on Better to get the money.
I have not had anyone mention getting that $100 in cash for not matching or beating a LE. A lot of people have been rejected and not sure how much they pushed back on Better to get the money.
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I say this because of "53% LTV, 64% CLTV", so it sounds like the HELOC has a balance of about 11% of the property value.
If anything before the lock they said they can't quite match the offer I had on hand. After that they matched 1 offer fully and then this last offer the upped it but not an exact match but I went from 3.375% with cost out of pocket to 2.75% with $3900 in credits.
Shahhere
Then when I got a lower LE from WM they beat them from $2000 to $2150.
Lastly; with my last lender who is giving me $6,600 (have a LE but not the "Locked" LE) Better came back with $3900 but this time they said that's the "Best" they can do. I did not push to withdraw anywhere yet and if I do have a Locked LE from the other lender I can ask for that to be considered and see if they can make a final offer to me next week as I might be setup to close Tuesday/Wednesday as they have done everything remaining on the loan and are looking into final underwriting as it stands.....
Based on the forum I am seeing $5kish offers which would make me close with Better without any loss and to be frank even at $3900 I have nothing to lose and as noted in earlier replies by me that I can close and then immediately focus on closing with Lender#2 in 1.5 months.
Shahhere
Then when I got a lower LE from WM they beat them from $2000 to $2150.
Lastly; with my last lender who is giving me $6,600 (have a LE but not the "Locked" LE) Better came back with $3900 but this time they said that's the "Best" they can do. I did not push to withdraw anywhere yet and if I do have a Locked LE from the other lender I can ask for that to be considered and see if they can make a final offer to me next week as I might be setup to close Tuesday/Wednesday as they have done everything remaining on the loan and are looking into final underwriting as it stands.....
Based on the forum I am seeing $5kish offers which would make me close with Better without any loss and to be frank even at $3900 I have nothing to lose and as noted in earlier replies by me that I can close and then immediately focus on closing with Lender#2 in 1.5 months.
Shahhere
Honestly, if they say no keep pushing the application further as different stages have different people and different thresholds for what and how much they can negotiate. if you truly have a better deal you walk away and lose nothing else take Better.
Shahhere
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