Search found 45 matches

by 2quiker
Thu Sep 17, 2020 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

I have also had issues with Better not wanting to give out LE's. Honestly I would probably try to go with another lender. I wouldn't recommend them at all the loan person was kind of sketchy with me, avoid them. I’m confused by this statement. Better’s system is automated. You don’t need to request...
by 2quiker
Thu Sep 17, 2020 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

My experience with WaterMark was that we got out of the gate fast on a 10 year 2.25% refi on ~$230k with no cost and no appraisal, but my loan has been stuck in "conditional approval" for about 4 weeks. I have gotten them all the documentation they requested within hours of the request, s...
by 2quiker
Thu Sep 17, 2020 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

I asked Watermark to match or beat Better's (Better offered to beat Watermarks offer by $100)and the loan person told me that $100 is not worth their time and went on about I pay more out of pocket with Better, which is true but I pay more in sections A-E with watermark. I don't mind paying prepaids...
by 2quiker
Wed Sep 16, 2020 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Applied with Better, Lenderfi and Watermark. Watermark had the better offer and I sent the LE to Better and Better just offered to beat it by a lousy $100.I haven't heard from lenderfi. I'm not sure why that's lousy. Better is closing loans pretty quickly and Watermark is taking obscene amounts of ...
by 2quiker
Wed Sep 16, 2020 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Applied with Better, Lenderfi and Watermark. Watermark had the better offer and I sent the LE to Better and Better just offered to beat it by a lousy $100.I haven't heard from lenderfi.
by 2quiker
Fri Sep 11, 2020 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

coconutpolito wrote: Fri Sep 11, 2020 1:25 am
easye418 wrote: Thu Sep 10, 2020 1:45 pm you guys are getting great rates.

In TX, LTV 78%, 2.875% 30 year, with a $2800 lender credit.
I was just offered a 30 yr for 2.5% (no closing costs) or a 25 yr loan for 2.625 (no closing costs). I'm in SoCal.
what lender?
by 2quiker
Wed Sep 09, 2020 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Johny wrote: Wed Sep 09, 2020 3:25 pm Just heard from Better. He said closing with them takes 3-4 weeks max and is reviewing my LC LE to try and beat/match it. May have found a winner here.
At what rate/years?
by 2quiker
Tue Sep 08, 2020 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Looking to refi, going to apply through Lenderfi, Better, Loan Cabin. When applying do you guys select a rate or do you let the lender give you a rate? I called Lenderfi and they stated they don't do quotes over the phone I do see Lenderfi has their online rate application and I would like to get a ...
by 2quiker
Fri Sep 04, 2020 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Hi, I have been approved for a 30 year refinance for 150k, but have not locked in my rate yet. A month ago it was 2.5% and yesterday it was 2.675% with $580 of lender credit. Any insight or suggestions if I should go ahead and lock now? My closing is at least three more weeks away and I have had tr...
by 2quiker
Tue Sep 01, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Can people post the rate they are getting and with what lenders please, I am trying to look into refi.
by 2quiker
Thu Jul 23, 2020 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Just closed with Better two days ago 3% 30-year. Apply with LenderFi today and had this exchange with the Loan Officer: Him: You literally JUST closed your loan and you’re looking to refinance? Why would you close and do this? You’re going to cost that other bank $8,000+ in penalties for doing that...
by 2quiker
Thu Jul 23, 2020 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Hefph wrote: Thu Jul 23, 2020 8:55 am Going through a refinance now. Locked in 2.875% with no closing costs, 30 years, fixed. Any opinions on if this is a good rate?
Through what lender?
by 2quiker
Thu Jul 23, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Just got an offer from Better that beat LenderFi by $100 plus the $2,500.00 AmEx credit. 2.625% No closing costs 20 year fixed $2,500.00 AmEx credit. Just opening a card now and they said we would still get the AmEx credit. State - NJ Does this sound good? Is Better reputable? Thanks! My experience...
by 2quiker
Wed Jul 22, 2020 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

I have been offered a 2.625% 30Y FRM. Lender credit $2,500. Origination fee $1,500. No escrow account. No appraisal required. No other information on fees/costs have been received even after asking. Yet to apply. Michigan property. I am looking for some guidelines to figure out the breakdown of the...
by 2quiker
Sat Jun 20, 2020 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Question, I recently refinanced and was asked for years worth of home owners insurance($780) and half year taxes ($1990) and $497 of escrow. I received my first statement and noticed only $497 in my escrow, so my question is where $2770 shouldn't this also be in escrow as well? It is likely with th...
by 2quiker
Sat Jun 20, 2020 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Question, I recently refinanced and was asked for years worth of home owners insurance($780) and half year taxes ($1990) of prepaids and $497 of escrow. I received my first statement and noticed only $497 in my escrow, so my question is where $2770 shouldn't this also be in escrow as well?
by 2quiker
Thu Jun 18, 2020 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

So far not impressed with Better.com. They seem worse to me and your"concierge" is a joke- always unreachable. I'd bail if it weren't for the $2500 amex credit after closing. I agree with you, I wasn't impressed with their customer service at all. On my first Refi I went One True Loan, th...
by 2quiker
Mon Jun 15, 2020 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Question for the folks that refinanced through Better and qualified for the appraisal waver, how long did it take to get your appraisal credit back onto your credit card from Better? When I refinanced last year, I received a partial refund (actual cost was less than estimated appraisal cost) the da...
by 2quiker
Mon Jun 15, 2020 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Question for the folks that refinanced through Better and qualified for the appraisal waver, how long did it take to get your appraisal credit back onto your credit card from Better?
by 2quiker
Sat Jun 13, 2020 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan finance recommendations
Replies: 19
Views: 1374

Re: Auto loan finance recommendations

Some manufacturers are offering 0% loans on top of incentives. All things being equal, it would make sense to accept that offer. My current auto loan was 1.89% for five years at a credit union. It wouldn't be too hard to find a similar deal today. If you want to save money, though, focus on how muc...
by 2quiker
Sat Jun 13, 2020 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan finance recommendations
Replies: 19
Views: 1374

Re: Auto loan finance recommendations

UnLearnYourself wrote: Fri Jun 12, 2020 10:22 pm DCU has as low as 2.49%
Do you have any experience with them?
by 2quiker
Fri Jun 12, 2020 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

How long do you have to wait to refi? I just finished refinanced with Better( won't be using them again, horrible experience)I don't see anything in my paper work stating that I have to wait unless I am missing something...? My first refi was through One True Loan, that was a great experience. I di...
by 2quiker
Fri Jun 12, 2020 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Auto loan finance recommendations
Replies: 19
Views: 1374

Auto loan finance recommendations

Looking for a new car but was wondering what financial institution people are using with the best interest rates?
I know there is a big mortgage refi but I don't see anything for auto loans.

Thanks.
by 2quiker
Fri Jun 12, 2020 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

How long do you have to wait to refi? I just finished refinanced with Better( won't be using them again, horrible experience)I don't see anything in my paper work stating that I have to wait unless I am missing something...? My first refi was through One True Loan, that was a great experience. I did...
by 2quiker
Sat Jun 06, 2020 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Ok, I didn't realize that the closing disclosure were permitted to be used. I've requested a closing\settlement statement few times and Better has not once mentioned that Closing Disclosures are permitted. The other issue I am having is they wont' change the title company that I have requested. The...
by 2quiker
Fri Jun 05, 2020 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

For a couple years now, page 2 of the Closing Disclosure is permitted to be used in lieu of a HUD-1 settlement statement. My last two lenders, Better and PenFed (for my refi, but not purchase mortgage), did this. If this is the form you are asking about, the “Final” Closing Disclosure (not the init...
by 2quiker
Fri Jun 05, 2020 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Before closing you suppose to receive a closing\settlement statement a few days before closing correct? I have only received a closing disclose from Better. For a couple years now, page 2 of the Closing Disclosure is permitted to be used in lieu of a HUD-1 settlement statement. My last two lenders,...
by 2quiker
Fri Jun 05, 2020 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Before closing you suppose to receive a closing\settlement statement a few days before closing correct? I have only received a closing disclose from Better. For a couple years now, page 2 of the Closing Disclosure is permitted to be used in lieu of a HUD-1 settlement statement. My last two lenders,...
by 2quiker
Fri Jun 05, 2020 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Before closing you suppose to receive a closing\settlement statement a few days before closing correct?
I have only received a closing disclose from Better.
by 2quiker
Thu Jun 04, 2020 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Closing is scheduled 6/5/2020 and I am paying for all closing costs. The want me to bring $3,103.93, not sure where they are getting $3,103.93 from? ... Shouldn't the payoff for my currently loan be $242,023.76 ( $241,759.26 + $264.5($26.45 x 10days)) and not $242,943 ? Am I not seeing something, w...
by 2quiker
Wed Jun 03, 2020 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Kind of new to the refi thing, so if yall don't mind me asking some questions I would appreciate some feedback. Payoff note $241,759.26. Payoff statement. Unpaid Principal Balance$241,759.26 Interest Calculated to July 01, 2020 $805.86 Total Amounts Due Under your Note and Mortgage $242,565.12 Per D...
by 2quiker
Tue Jun 02, 2020 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Is the Better Mortgage credit of Amex Credit for any American express card? I asked about getting the credit and was told they can but i need to open an account, i was thinking of opening a American Express Cash Magnet® Card.
by 2quiker
Sun May 31, 2020 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1481
Views: 136492

Re: My LenderFi refinance is going well

I had the worst experience with Lenderfi. My first experiences was around March of this year 2020, I filled out the application and asked some questions, I got maybe two responses from them and that was it, I couldn't get any more responses. I thought well maybe it was because of covid19 so I decide...
by 2quiker
Tue May 26, 2020 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Refinancing is stressful. I thought I found a great company. No origination fee, great rate. After the call he said he would email me the info.. No email.. I text him and he said he would send it again.. no email.. He then texts me a screenshot of the email he sent it to asking if it was correct.. ...
by 2quiker
Fri May 22, 2020 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

Here is the scenario: 1) 30 Year fixed. 2.875 interest rate, 3.03 APR ( almost 10k closing costs). But broker says, He will provide the credits to cover entire cost at the time of closing, so it will be a zero closing cost loan and will become like a 2.875 rate and APR. 2) 30 Year Fixed. 2.99 rate ...
by 2quiker
Mon May 18, 2020 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Better Mortgage refi question
Replies: 20
Views: 2843

Re: Better Mortgage refi question

Thanks, I was getting a quote through lenderfi but there guy has not responded to my emails. Before the economy went south and Covid-19 I was in contact with them and never heard back from then until recently and now again they haven't responded to my emails. The last email i sent them was to them ...
by 2quiker
Mon May 18, 2020 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Better Mortgage refi question
Replies: 20
Views: 2843

Re: Better Mortgage refi question

Recent closings with Better have all pointed to it being serviced by "The Money Source" indefinitely during this current market climate. That is the vendor they always use initially for all loans they make, but with other banks cutting back on buying servicing rights for loans, the loans ...
by 2quiker
Mon May 18, 2020 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7970
Views: 555890

Re: Refinance Mega Thread

PerfecTiming wrote: Mon May 18, 2020 4:22 pm I was just recently able to get a 30 year @ 2.99% no costs, no points refi in CA for a $400k loan. I was also seeing 15 years @ 2.625%.
Through where? People please post where they got the rate from.
by 2quiker
Thu May 14, 2020 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Mulitple Locks for mortgage refi
Replies: 8
Views: 745

Re: Mulitple Locks for mortgage refi

Would you mind sharing the mortgage lender? I need to work on my negotiating skills, would need some tips as well. One Yrue Loan was my first refi, name is weid but they are legit. and they were great but there rates weren't nearly as competitive as Lenderfi, Better Mortgage. Just get estimates fro...
by 2quiker
Thu May 14, 2020 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Better Mortgage refi question
Replies: 20
Views: 2843

Re: Better Mortgage refi question

Recent closings with Better have all pointed to it being serviced by "The Money Source" indefinitely during this current market climate. That is the vendor they always use initially for all loans they make, but with other banks cutting back on buying servicing rights for loans, the loans ...
by 2quiker
Thu May 14, 2020 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Mulitple Locks for mortgage refi
Replies: 8
Views: 745

Re: Mulitple Locks for mortgage refi

ya i asked them if they can beat it, they call me back and offered to match it and offer an concessions, which was good but when I checked their estimate it sill have the 3.25%. I called the first mortgage place but the mortgage person was gone, I left a message and told them I was going to lock wit...
by 2quiker
Thu May 14, 2020 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Mulitple Locks for mortgage refi
Replies: 8
Views: 745

Mulitple Locks for mortgage refi

I applied at a few place and got some estimates, I heard back from the first one which offered 3.25% refi with a $7 fee. I thought it was good so I asked to lock with them at 3.25. The other company came back with 3.125% refi with no fees. I sent an email and called the first company asking if they ...
by 2quiker
Mon May 11, 2020 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Better Mortgage refi question
Replies: 20
Views: 2843

Re: Better Mortgage refi question

need403bhelp wrote: Sun May 10, 2020 7:57 pm
2quiker wrote: Sun May 10, 2020 12:47 pm
FYI, Better does have a $2,500 American Express credit after closing offer. Would do that if you haven’t locked yet.
What do you mean, they give $2,500 after you close with Better Mortgage?
by 2quiker
Sun May 10, 2020 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Better Mortgage refi question
Replies: 20
Views: 2843

Re: Better Mortgage refi question

Thanks for the replay and inco, PennyMac seems to have the better reviews. What rate and points/fees, prepaids and closing fees were required if you don't mind me asking. You can pm me if you don't want to post is, I am curious on what you got.
by 2quiker
Sun May 10, 2020 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Better Mortgage refi question
Replies: 20
Views: 2843

Better Mortgage refi question

So I have been looking to refi my current mortgage. I have gotten some quotes and Better Mortgage has the better rate with fees. I know they transfer your loan with 15-30 days and I have been trying to figure out who they sell the loan to. After searching for I have found that they sell the loans to...