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.
Loan Depot beat their offer slightly after submitting the Loan Cabin loan estimate. An apples to apples comparison (since Loan Depot charged a $1,595 origination fee) with Loan Cabin is a 2.5% rate with $5,800 in lender credit.
Either option would end up with money in my pocket to go toward escrows.
I've submitted both to Better and hope they can match or beat it.
Closed on 6/27
Funded on 7/2
AMEX Credit Applied on 7/11
Received $2500 credit on 8/4
Took my rate from 3.375% to 2.875% (no cost) for the first refi . Applied for the 2nd refi with 2.625% no costs on 7/9 to get another AMEX credit.
It's weird they haven't pull it. Maybe problem on the system? Normally it should be pull before or after the weekend.
One Issue I am into right now is that my Title caused some issues and delays and I'll miss my lock date of 8/7. Anyone know how Better deal with this as I'd assume I'd have to pay some sort of a fee......Anyway to get that them to not charge me that?
Shahhere
Closed on 6/27
Funded on 7/2
AMEX Credit Applied on 7/11
Received $2500 credit on 8/4
Took my rate from 3.375% to 2.875% (no cost) for the first refi . Applied for the 2nd refi with 2.625% no costs on 7/9 to get another AMEX credit.
Closed on 6/27
Funded on 7/2
AMEX Credit Applied on 7/11
Received $2500 credit on 8/4
Took my rate from 3.375% to 2.875% (no cost) for the first refi . Applied for the 2nd refi with 2.625% no costs on 7/9 to get another AMEX credit.
My loan was closed n 6/18 and funded on 6/23 and yet to see any credit.
I may have to call digital team.
Sign up for a Slickdeals account to remove this ad.
My loan was closed n 6/18 and funded on 6/23 and yet to see any credit.
I may have to call digital team.
There were questions about branded cards etc.
My loan was closed n 6/18 and funded on 6/23 and yet to see any credit.
I may have to call digital team.
My first one closed May 2nd funded May 7th, and I got my credit around the 20th of July, so it took some time. If I close this refi first of sept, I don't expect my credit to come till prob november.
I officially applied and they ran credit on July 13th. I elected to float the rate and not lock at that time. I couldn't tell what was going on with my application as I submitted all of the requested information. I finally heard back from my loan officer on July 30th when I decided to lock. I received the updated loan estimate showing the lender credit yesterday.
I believe they are overwhelmed with applications and it is taking them a while to get back to everyone. They offered the best rates initially for my situation so I've stayed the course with them.
I've been told they offer a one-time free float down if rates drop but when you request that, you must be ready to close within 15 days.
Sign up for a Slickdeals account to remove this ad.
Leave a Comment