[quote=sdduuuude]The thing about Provident is – they have very low rates and only deal with the most prime borrowers. They expect to get top dollar for their loans when selling them and as such work their customers to death getting details in order. When we signed our Provident docs, the public notary was incredibly detailed. Told us that he goes overboard on Provident signings because they often send him back to have documents resigned if the signatures aren’t identical, or if one person dates one document 1/1/2013 and another one 1-1-13, etc.
You can’t have it both ways – a great rate and an uncaring, non-particular lender who will loan to just anyone.
They are exactly the opposite of the lenders everyone complained about in 2006.[/quote]
This happened to me…
When I was signing my docs, there was one document that I wigged out and had a slightly different signature. And there was another document in which my date almost looked like it was 1/13/2013 instead of 1/18/2013. They had to dispatch a courier to have me resign the both pages. It would have been entertaining if it wasn’t the day before close of escrow.
Hopefully, they sell the loan to wells fargo. Then I can reopen an PMA account.
One other thing. I noticed that my credit score took a slight hit by all the recent refinances. I was hovering around 820 last year on average. Now I’m around 780ish…. The common complaint was “too much credit inquiry” lol…
I have loan with both Provident, Interbank, and Caliber funding. They all are still stuck in 2000 in term of technology, but it’s not too bad. I just have my Chase account send them a check every month on the same day, so, I don’t have to do anything manual. Someone said Interbank doesn’t have a website… here it is: https://carenet.fnfismd.com//loanadmin/dmi_interbank.htm
Jeez, what’s the big deal about snail mail? Even if you don’t live a block from a post office as I do, you can always drop the thing in the outgoing pile at the office. Cost of a stamp is chump change w.r.t. the cost of a mortgage.
[quote=spdrun]Jeez, what’s the big deal about snail mail? Even if you don’t live a block from a post office as I do, you can always drop the thing in the outgoing pile at the office. Cost of a stamp is chump change w.r.t. the cost of a mortgage.[/quote]
uh, because its 2013 and not 1993.
Jeez, if it works and the lender is decent in other respects, just roll with it. Tech for the sake of looking like you’re in 2013 is just showmanship, and I’d rather deal with an old-school entity that provides decent service in other respects.
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