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
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I didn't discover till someone sent me a PM because the same thing happened to them and they have not signed any papers either.
This is a big deal for those of you trying to use their LE to get Better to match.
When I applied to Watermark, I locked the rate, but never gave an ITP and it sat there until my all was withdrawn. If the loss payee has changed without an ITP, I would have been concerned.
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.
When I applied to Watermark, I locked the rate, but never gave an ITP and it sat there until my all was withdrawn. If the loss payee has changed without an ITP, I would have been concerned.
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I didn't discover till someone sent me a PM because the same thing happened to them and they have not signed any papers either.
This is a big deal for those of you trying to use their LE to get Better to match.
Edit: removed extra verb
None the less after including escrows and title fees it would have been a TOTAL cost to me after everything of $1600.
I shared with better and he came back $2100 higher than that at 3700 cost at closing.
We swapped a few emails and I called another better person Sasha who had called me last week saying I'd get a match as well as a return customer loyalty credit on fees up to $1000 more. I told her I was going to lock and proceed and send the same LE to the assigned LO as soon as I knew who that was.
Another email exchange with my concierge and he said he was escalating my request to management just to see if they could help.
The bottom line was that betters "best" offer was going to cost me $2165 more while I waited for $2500 from Amex. I told them both no deal that I'd take the guaranteed 2165 cheaper with WM
A few minutes later my better concierge replied back and said management knocked another $2500 off. Sure enough the updated LE went from $3740 cost at closing to $1240. This is after all costs and all escrows. I'll get about $2000 back on the current esc4ow account.
I confirmed again that I'd still be eligible to get the $2500 Amex with this offer and he said yes.
So my net excluding escrows (since they are about a wash) is Id gain about 800 at closing and another $2500 from Amex plus cut my rate from 3.25 to 2.625 on 203k and cut another $100 off per month or cut a bunch more months off if I keep paying the same.
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