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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Why wouldn't their site just reject your application when you entered a state they don't service? Maybe that is why they are taking so long since they are just contacting people to tell them they are not in their state.
Why wouldn't their site just reject your application when you entered a state they don't service? Maybe that is why they are taking so long since they are just contacting people to tell them they are not in their state.
"Thank you for providing us the competing loan estimate. Unfortunately, the rate they are offering you is something that is not available for your file. The rate of 2.75%, which you are currently in, is the lowest possible rate for your file."
Is it true no matter what I present to them, there's no way to go lower because it's not on my file's rate sheet?
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"Thank you for providing us the competing loan estimate. Unfortunately, the rate they are offering you is something that is not available for your file. The rate of 2.75%, which you are currently in, is the lowest possible rate for your file."
Is it true no matter what I present to them, there's no way to go lower because it's not on my file's rate sheet?
"Thank you for providing us the competing loan estimate. Unfortunately, the rate they are offering you is something that is not available for your file. The rate of 2.75%, which you are currently in, is the lowest possible rate for your file."
Is it true no matter what I present to them, there's no way to go lower because it's not on my file's rate sheet?
I don't recall what was on my original rate sheet before locking - but it was high, in the 3% WITH points and no credit. I presented a WM LE, and that's when Better matched the 2.75%. Naturally the revised rate sheet shows 2.75 and $1300 credit as the "lowest" (IMO that's a man-made rate sheet and could be "man-made" again). I don't have a bad deal now as the AMEX promo would net me $2200 after closing. But if I can get a better rate elsewhere, I would like to do the same as you.
I locked with LC and completed the first round of paperwork at 2.75% with lender credit offsetting all fees minus prepaids/escrow.
On a whim - I sent their LE to Better.com and they actually matched... to my surprise. They also confirmed I'm eligible for the $2500 Amex offer. Is it wrong to just withdraw the LoanCabin offer even though they've started down the process in order to get the Better.com deal?
I locked with LC and completed the first round of paperwork at 2.75% with lender credit offsetting all fees minus prepaids/escrow.
On a whim - I sent their LE to Better.com and they actually matched... to my surprise. They also confirmed I'm eligible for the $2500 Amex offer. Is it wrong to just withdraw the LoanCabin offer even though they've started down the process in order to get the Better.com deal?
Apparently my closing expert was MIA as she was affected by the storm but will close on Saturday as they are allowing me......
Shah
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"Thank you for providing us the competing loan estimate. Unfortunately, the rate they are offering you is something that is not available for your file. The rate of 2.75%, which you are currently in, is the lowest possible rate for your file."
Is it true no matter what I present to them, there's no way to go lower because it's not on my file's rate sheet?
Then when I locked with better, I sent that same LE to the processor who matched without any issues.
Bottom line, they CAN match rates not on your rates tab and they do seem to more aggressively match after you lock your rate with them.
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