Search found 31 matches

by akuseimark
Sat Sep 26, 2020 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7528
Views: 516113

Re: Refinance Mega Thread

Going through my first refinance. Anyone hire a lawyer to read over the closing documents with you? Or are most reading them the day before by yourself/partner? I suspect that few people read them thoroughly. I read nearly all of the documents myself at closing which i’m sure the notary didn’t appr...
by akuseimark
Mon Sep 21, 2020 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

I have been having issue with servicing post close. At the table they told me servicing would be sold, and to wait to get info from the "interim servicing" department before mailing a payment. No problem, not unusual... Never heard anything after that and finally had to call/email the week before m...
by akuseimark
Thu Sep 17, 2020 11:16 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

For those who have already closed, how soon after receiving the pre-closing CD were you contacted to schedule closing? I received and signed my pre-closing CD on Tuesday (9/15), but have had no communication with the settlement firm or LF since then. I've seen several posts about not receiving fina...
by akuseimark
Tue Sep 15, 2020 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7528
Views: 516113

Re: Refinance Mega Thread

I just wanted to share folks that I’ve had a good experience with Network Capital . Their rate is competitive and they were willing to beat a competing offer. The rates on their website above may include origination fees, I don’t know. In my case, I have 2.75% on $150k with $1,100 in A + B + C + E,...
by akuseimark
Tue Sep 15, 2020 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

If I want a copy of the packet I’m going to be signing should I email LenderFi or Amrock? I called Amrock to get mine. You should have been e-mailed a closing contact or you can just call the main number and give them your loan number and they can pull up your file. How far in advance did they have...
by akuseimark
Sun Sep 13, 2020 6:45 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

Ok awesome thanks for sharing your experience. I've heard great things about lender fi and am just being cautious with such a big thing like a mortgage. Obviously those who have bad experiences with lenders will post/review versus those that have no issues at all which may be the case with SBI and ...
by akuseimark
Fri Sep 11, 2020 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

Does anyone know what LenderFi fees are not refundable if you withdraw? My LO said something about a $150 HOA Certification fee but wasn't straightforward if there are other fees. Also, do they price match rates after you lock? Seems like some lenders only do it before locking while some have bette...
by akuseimark
Tue Sep 01, 2020 11:29 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

Loan closed on 8/11, funded on 8/17 and now I can see it on my old Wells Fargo account, even though closing documents said LenderFi would be the servicer. Overall a smooth transaction and would look to use them again next year if rates trend a bit lower. That's surprising! Since they didn't mention...
by akuseimark
Mon Aug 31, 2020 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

Loan closed on 8/11, funded on 8/17 and now I can see it on my old Wells Fargo account, even though closing documents said LenderFi would be the servicer. Overall a smooth transaction and would look to use them again next year if rates trend a bit lower.
by akuseimark
Fri Aug 28, 2020 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7528
Views: 516113

Re: Refinance Mega Thread

First time poster — super glad to have found and benefitted from this enormous thread. Here’s my question: the Mortgage Professor site connects to Keystone Funding, based in Delaware. The internet (and this thread) are full of mortgage-related companies called Keystone, making it really hard to fig...
by akuseimark
Wed Aug 26, 2020 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

They moved me to a 9/10 closing instead of 8/31, with funding on 9/15. If it were me and the funding date was 9/15, I would pay my old lender the September payment and wait for an overage refund. Any delay and then suddenly you will get a late free from the old lender and neither party will be apt ...
by akuseimark
Wed Aug 26, 2020 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7528
Views: 516113

Re: Refinance Mega Thread

Guys need some clarification here. So our loan funded and it is with the new lender. My fear is Lenderfi slipped in a fee in the end that I just noticed :( Based on the last page $642.99 was rolled into the closing costs of the loan. Loan Amt - $207997 Pay off amt to old lender with interest is $20...
by akuseimark
Mon Aug 24, 2020 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7528
Views: 516113

Re: Refinance Mega Thread

My experience with LenderFi was fine up until the new fee announcement... Current: 4.375% 30y with 28y left. Refi: 2.5% 30y with LenderFi (lock exp 9/4) Locked the refi on Aug 12th (right before the new fee). Got the call from Title Insurance that Friday (14th) and have had radio silence since. I u...
by akuseimark
Thu Aug 20, 2020 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7528
Views: 516113

Re: Refinance Mega Thread

A weird situation happened to my dad today. He is refinancing at a 2.5 no cost rate. He locked the rate a few weeks ago and actually signed all docs with the notary last weekend. Then today, someone from the refi company called him and said he needed to sign one more document. It was a loan applica...
by akuseimark
Thu Aug 20, 2020 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

I did my ACH after the closing, it was fine. So you have time, I would call Amrock to tell them the issue. Wonder why ACH after signing is okay LenderFi doesn't sent the funds to the settlement agent until the 4th business day after closing, and the settlement agent doesn't start the process to rec...
by akuseimark
Wed Aug 19, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

So my closing is scheduled for this Friday and I'm a bit confused about payment of the closing costs. I tried Amrock's ACH portal and it lists a $9,000 amount which I can't change. This is over $5,000 more than the "cash to close" amount listed on the closing disclosure. Also, I know that ACH trans...
by akuseimark
Tue Aug 18, 2020 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 7528
Views: 516113

Re: Refinance Mega Thread

LenderFi loan: My processor told me they submitted me to underwriting yesterday and I should hear back on Friday... I do plan to go to the mountains from Friday afternoon to Sunday afternoon, where I have internet but no cell reception. Just curious if I should cancel my weekend getaway just in cas...
by akuseimark
Tue Aug 18, 2020 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

Closed on my refinance last week and funding was slated for today. I didn’t receive any confirmation that funding occurred and didn’t get any responses from the lenderfi folks, so I’ll just go to bed crossing my fingers that it all went through and that I’ll wake up to see the payment on my current...
by akuseimark
Tue Aug 18, 2020 10:35 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

Closed on my refinance last week and funding was slated for today. I didn’t receive any confirmation that funding occurred and didn’t get any responses from the lenderfi folks, so I’ll just go to bed crossing my fingers that it all went through and that I’ll wake up to see the payment on my current...
by akuseimark
Mon Aug 17, 2020 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

Closed on my refinance last week and funding was slated for today. I didn’t receive any confirmation that funding occurred and didn’t get any responses from the lenderfi folks, so I’ll just go to bed crossing my fingers that it all went through and that I’ll wake up to see the payment on my current ...
by akuseimark
Sun Aug 16, 2020 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

Does LenderFi let you know when you're moved to underwriting from processing if they don't need any extra documentation, or does it all happen in the backend and the next time they'll contact me is when we're ready to close? My loan processor did send me an email to tell me my app was submitted to ...
by akuseimark
Fri Aug 14, 2020 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

I signed the lock on 8/4, was told I was approved on 8/6, signed closing disclosures on 8/7 and am now waiting to hear back about a close date (I'm locked until 8/28). WOW that is fast! I signed the lock on 8/4 and am still waiting to be told we're out of underwriting. They did ask for supplemental...
by akuseimark
Tue Aug 11, 2020 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

Just got an update on my refi, am scheduled to close tomorrow morning, knock on wood. Just closed on our refinance an hour ago. Went smooth, though took about 45 minutes which is a bit longer than I anticipated. Listed LenderFi as the servicer with it being transferred in a month to a new servicer....
by akuseimark
Mon Aug 10, 2020 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

Just an update- Received pre-closing disclosure 7/27 and signed then Closing was just scheduled for 8/11 and funding won’t happen until 8/17. Huge lull that was due to underwriters and closing people being swamped. Almost going to hit 30 days with this. Did you receive your final closing disclosure...
by akuseimark
Thu Aug 06, 2020 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

Just an update-

Received pre-closing disclosure 7/27 and signed then
Closing was just scheduled for 8/11 and funding won’t happen until 8/17. Huge lull that was due to underwriters and closing people being swamped. Almost going to hit 30 days with this.
by akuseimark
Thu Aug 06, 2020 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

I saw this when I closed with them in February, but so far in my second go round, I have not seen any language that I can’t refi within 6 months. I have a feeling that I’ll wait 6 months anyway, because if rates are really coming down much further I want to give them a chance to. I don’t need to ti...
by akuseimark
Thu Aug 06, 2020 8:55 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

Was able to start an application through the backdoor link. Thanks! Does anyone know how I can actually get an understanding of rates? At this point, it appears that it would simply be a blind application in which I need to select a loan term without any additional information. The rate they quoted...
by akuseimark
Wed Aug 05, 2020 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

During my convo w Ryan yesterday..he was like I only want u to proceed if ur ok w the rate. If you are gona back out after we lock I rather u take your time to shop around cuz were busy and it is resources ur taking away from us. Completely fair imo. I posted this in the mega thread as well, but ha...
by akuseimark
Wed Aug 05, 2020 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

My pre-closing disclosure came on 7/27 with a few errors. Had those corrected right away and signed. Still waiting on closing person and title company to reach out to schedule closing. The loan processor said that the underwriters and closers are really backed up right now and it could take a while...
by akuseimark
Wed Aug 05, 2020 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

My pre-closing disclosure came on 7/27 with a few errors. Had those corrected right away and signed. Still waiting on closing person and title company to reach out to schedule closing. The loan processor said that the underwriters and closers are really backed up right now and it could take a while...
by akuseimark
Wed Aug 05, 2020 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1389
Views: 125914

Re: My LenderFi refinance is going well

My pre-closing disclosure came on 7/27 with a few errors. Had those corrected right away and signed. Still waiting on closing person and title company to reach out to schedule closing. The loan processor said that the underwriters and closers are really backed up right now and it could take a while....