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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If your taxes are due right after your close then yes as they don't have a way to transfer the old escrows from your old lender to you. Unless you can confirm from your old lender that they have already made payment that's the way and most lenders that pay electronically wont pay until almost the end of the due date.
I am in the same boat as my School Taxes in PA are due end of August and will have to float to money as I am 12 months paid up to the current lender and hopefully they wont ship that to the County along with Better and then I'll have to wait for the Tax dept to refund which I think will be a pain instead of just getting an escrow refund from old lender.
Only other Option is to pay it yourself if thats possible but still requires you to float double the Escrow money. I cant do that either as the offices are not open due to Covid and wont have in person hours (receipt proof) until the 19th.
Shahhere
Just to clarify when does the Task open up about adding the Amex Card number? I am closing Saturday but dont have the Amex task just yet or being asked the last 4 of Amex card number.
Shahhere
Mine is showing my original lender and not Better.
Any issue with it later on during underwriting?
Make yourself available on your cell phone soon as this task shows up - the task will list the date by which this call will be done and usually it will be on that date that you get the call.
Shahhere
Shahhere
I applied on 7/16 but stopped once I got to the final landing page, didn't finish all my tasks, didn't lock my rate and am know dealing with a LO trying to confirm I qualify. It's been a couple days and he's 'waiting to hear back'. I don't know what defines an 'application' by 7/25 and they are indicating I didn't qualify, but don't really know. I don't want to lock my rate and be out of the appraisal amount if it turns out I don't qualify. I only have til 8/15 to lock or my application is trashed.
Someone mentioned to me there is information in this thread to that effect, but I can't come up with any search terms for Amex contact that don't basically return the whole 500+ page thread
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I applied on 7/16 but stopped once I got to the final landing page, didn't finish all my tasks, didn't lock my rate and am know dealing with a LO trying to confirm I qualify. It's been a couple days and he's 'waiting to hear back'. I don't know what defines an 'application' by 7/25 and they are indicating I didn't qualify, but don't really know. I don't want to lock my rate and be out of the appraisal amount if it turns out I don't qualify. I only have til 8/15 to lock or my application is trashed.
Then it becomes a question of paying 7k to lock a rate I've got on a 5/5 ARM that's up in 2 years (2% + 5 year treasury note)
Then it becomes a question of paying 7k to lock a rate I've got on a 5/5 ARM that's up in 2 years (2% + 5 year treasury note)
"Hello, this is Jackson with Better Mortgage. I'm reaching out because I wanted to touch base regarding your application with us using the American Express Promotion for a $2,500 statement credit and $550 appraisal voucher. Please do not hesitate to reach out with any questions or concerns."
Somebody is in trouble if amex or better does not honor the $2500 credit after confirming my file is marked with it and advertising with it before rate lock.
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