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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Loan Amounts Up To $510,400
15 YR FIXED
2.25%
RATE & APR
NO CLOSING COSTS
30 YR FIXED
2.50%
RATE & APR
NO CLOSING COSTS
Loan Amounts Up To $765,600
15 YR FIXED
2.50%
RATE & APR
NO CLOSING COSTS
30 YR FIXED
2.625%
RATE & APR
NO CLOSING COSTS
Loan Amounts Up To $510,400
15 YR FIXED
2.25%
RATE & APR
NO CLOSING COSTS
30 YR FIXED
2.50%
RATE & APR
NO CLOSING COSTS
Loan Amounts Up To $765,600
15 YR FIXED
2.50%
RATE & APR
NO CLOSING COSTS
30 YR FIXED
2.625%
RATE & APR
NO CLOSING COSTS
I also did an inquiry through costco this morning, but their rates are showing around 3.25% for no cost. Thats ridiculous. I have that now from May.
I went to lender fi website and it basically says they aren't doing anymore right now, and not showing any rate tables to even look at.
My best option seems to be with WM. I just uploaded a bunch of docs this morning, waiting for their review and response and will hopefully get to look over their LE.
Is the offer with Amex $2,500 credit expired already?
Also, is there an early pay off penalty with Better? My loan will close on 8/4/20 or 8/5/20. When is the earliest that can I do another refinance?
Thanks.
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Is the offer with Amex $2,500 credit expired already?
Also, is there an early pay off penalty with Better? My loan will close on 8/4/20 or 8/5/20. When is the earliest that can I do another refinance?
Thanks.
There is no early pay off penalty with Better but you have to check your closing docs to be sure.
You can do a refi 3 days from closing which is when your loan funds. You can start a new application using a different account or at a different lender even before the loan closes as some have done here though you might want to wait on the hard pull until the day after loan funds just because sometimes they do check your report to make sure you have not applied in two places at the same time after you have proceeded with one.
One time my very first refi with them, there was a delay at BSS due to their computer sytems being down or something like that and they sent me a $100 Amex GC to cover for the 10 days delay after closing.
There is no early pay off penalty with Better but you have to check your closing docs to be sure.
You can do a refi 3 days from closing which is when your loan funds. You can start a new application using a different account or at a different lender even before the loan closes as some have done here though you might want to wait on the hard pull until the day after loan funds just because sometimes they do check your report to make sure you have not applied in two places at the same time after you have proceeded with one.
Edit: 30 day waiting period they refer to is if you lock the rate and don't proceed to closing. That is standard with most lenders. The 90 day rule is new and never heard of before on a non cash-out loan.
Edit: 30 day waiting period they refer to is if you lock the rate and don't proceed to closing. That is standard with most lenders. The 90 day rule is new and never heard of before on a non cash-out loan.
Meanwhile, some have called and manually had it closed out sooner or just used a different email address.
Just a wild guess on my part though.
Edit: 30 day waiting period they refer to is if you lock the rate and don't proceed to closing. That is standard with most lenders. The 90 day rule is new and never heard of before on a non cash-out loan.
Like Cyclone said above, in my case, I had to call in just after funding to re-enable my file for yet another refi and that allowed my application to proceed. Had to do this on 2 of my refi's at Better.com
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Should I pay my current lender's monthly mortgage or let the interest get rolled in during close as I should fund before the 15th.
Until I fund I'll be paying interest at the higher current rate one way or another I think?
Lastly, if i have to bring say 4,000 or 5,000 Better will allow a Cashier's check? I know Radian is ok.
Shahhere
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