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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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.
he came back with an increase in lender credit which pretty much wipes out all closing costs -including the appraisal fee on the LE. So that means I'll get both the $2500 AMEX promo plus the appraisal refunded so roughly $3050 back in my pocket, but still no rate match. I'm gonna hang on to this and wait or Samantha at LC to call me back. I'm grateful for the increase in credit but upset they insist the rate cannot be changed.
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?
he came back with an increase in lender credit which pretty much wipes out all closing costs -including the appraisal fee on the LE. So that means I'll get both the $2500 AMEX promo plus the appraisal refunded so roughly $3050 back in my pocket, but still no rate match. I'm gonna hang on to this and wait or Samantha at LC to call me back. I'm grateful for the increase in credit but upset they insist the rate cannot be changed.
Good luck!
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?
Good luck!
Good luck!
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I know they do not charge a escrow/settlement fee so they should be the lowest cost option available. However, I tried to call them during normal business hours twice and could not reach anyone. I asked for a title quote via email over a week ago and they did not respond. Their review, at least for the Dallas office, are pretty poor to average.
There also appears to be an error in their title insurance calculator. I believe the 50% discount for under 5 years is based upon the original policy amount and Valero is basing it off of the premium for your refinance amount.
While they may be the lowest cost option, I don't want them to mess up by closing or miss pay off deadlines when I can pay a trustworthy title company $200 for their escrow/settlement fee.
Any insight would be greatly appreciated. Thanks!
Mine is showing my original lender and not Better.
Any issue with it later on during underwriting?
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I know they do not charge a escrow/settlement fee so they should be the lowest cost option available. However, I tried to call them during normal business hours twice and could not reach anyone. I asked for a title quote via email over a week ago and they did not respond. Their review, at least for the Dallas office, are pretty poor to average.
There also appears to be an error in their title insurance calculator. I believe the 50% discount for under 5 years is based upon the original policy amount and Valero is basing it off of the premium for your refinance amount.
While they may be the lowest cost option, I don't want them to mess up by closing or miss pay off deadlines when I can pay a trustworthy title company $200 for their escrow/settlement fee.
Any insight would be greatly appreciated. Thanks!
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