āClosedā on Friday. Title sent the wrong docs to notary but they were reprinted Same day
Was supposed to fund today but got a messageā¦ one doc was missing from the package. I think someone should have caught this in the 6 days since closing package provided
So will sign last doc tomorrow. Will see how it goes
Up until now was fairly happy. Not sure if this is bad title company (title365) or the bank or both
My refi is still in the works. US Bank has been super slow. I am hoping theyāll be done next week. They did sweeten the deal a little more by asking me to open a Platinum checking account with a minimum balance, no direct deposit requirements(waived) and said theyād credit 1000$ as well.
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Funds finally disbursed. Was supposed to be the 17th. Iām mad about a week of overlapping interestā¦ somebody screwed up here itās sounding like title365 but ally/better should have also confirmed disbursement and even myself (although in my defense Iāve never refinanced before so I didnāt really know how long to wait for confirmation of payoffā¦ if ally says the loan funded I believed them).
Given all these issues my impression is to stay away from title365 and since they are the preferred title for ally and better.com, you should select a different company. I didnāt have any issue at all with the process until crunch time, which is when things really matter. Imagine if this was a new home purchase and I was waiting to move in!
I donāt know if they can adjust the prepaid interest (I have a request in) but Iād also accept a full refund of the $550 settlement fee to title365. We will see what they say
Any other comments appreciated. Am I being unreasonable or reasonable?
You can certainly try asking. Doesnāt hurt. Make your voice heard.
I personally donāt bother with few 100s here and there since Iām just happy to have an approved loan. The first couple of loans were no sweat but now itās so much harder
Lol, feel like sending me a few 100s that you donāt care about?
Are you saying that your new lender transfer the fund on 17th but title365 hold that fund until just now?
When was the disbursement date on closing statement?
I guess whoever held that fund from 17th until disbursement must reimburse your interest.
BTW, have you got form1098 for 2019 from your old lender?
I refinanced 2 mortgages last Apr with BoA (old mortgages were also with BoA as well).
I didnāt get hard copy of form1098 since I set paperless for all docs.
When I tried to print out form1098 for 2019 tax return last week, I found that I no longer have access to tax docs for old mortgage accounts.
I requested the soft copies from BoA but they said they canāt send them due to security reason. Instead, they would send hard copies, which would take 10+ business day. Luckily, they let me know how much I paid for interest last year so that I can go ahead with tax filing. However, this is something I didnāt really expected. 
Yes title365 held the funds for a week. Closing instructions had disbursement date 17th and closing statement 17th. But title āhad an old version of the closing disclosureā In which I owed money so they were waiting for me to send them money. They didnāt contact me for the funds though or send me instructions to pay them.
So either the bank sent them the wrong CD, or title is lying, but either way the actual signed closing package instructions and HUD list disbursement date of 17th with funds due borrower (me). Iād lean towards this being on title365 but out of the three parties Iām least culpable (obviously who would admit fault 
Yes I have copies of all old mortgage docs needed even though they say it will be available for 24 months. Thanks for the heads up though itās a good precaution
A surprising group of homeowners have paid off their mortgages
Not surprising, good traders like @Jil made enough to pay off all mortgages, and laughing at those chickens.
That is the best way to survive during struggle. Leverage is good during bullish times, but bad during bearish cycle, esp aged people like me.
Just donāt pay your mortgage. Itās ok according to Newsom.
Owning.com is advertising 2.75% 30 yr fixed (loan amount up to 510K, need min 50% LTV, primary residence, CA only) with no closing cost which is the lowest Iāve seen.
I see their ads everywhere. Anyone taken the plunge and refinanced with them?
I believe that is the rate for veterans
Rate does not appear to be for VA loan.
Title365 agreed to refund the settlement fee. So they made me whole but they werenāt proactive in resolving the issue (and Ally ignored my emailā¦ it might not be their fault but they identified Title365 and clearly have a preferential relationship with them so it reflects on both)
Glad itās over. Still watching rates for the FOMO. Next one will have to be no-cost
Better has a $2500 promo for AMEX holders that I didnāt know about but could possibly have used. Apparently Better typically has crappy first offers but will frequently beat a competing LE.