Search found 10 matches

by Aesop
Tue Aug 18, 2020 11:01 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1849
Views: 215586

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 lender’s site. The silence is a bit concerning since I think others said they received some notification that funding happened. Mine funded a day late. You should get an email when it happens, at least I did. You can also call or email your closer. They should be able to tell you if and when it funds. Thanks- It looks like I might be in the same boat. Closer isn’t responding to emails or phone calls but my loan processor brought someone else in ...
by Aesop
Fri Aug 14, 2020 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1849
Views: 215586

Re: My LenderFi refinance is going well

newbiead wrote: Fri Aug 14, 2020 3:22 pm My old mortgage bank is also asking for a $200 recording fee. Is there a way to get it waived off? What is it for really?
I assume for their paperwork... Because they can. I doubt there's any way around it. Most people probably never even see it. I only did because I asked for a copy of the payoff info sheet from the old bank. It wasn't individually shown on any of the closing documents, only the total payoff amount was
by Aesop
Wed Aug 12, 2020 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1849
Views: 215586

Re: My LenderFi refinance is going well

Cobra Commander wrote: Wed Aug 12, 2020 12:11 pm I am scheduled to close this afternoon. The closing process wasn't great as I did not receive my closing docs for review until this morning after multiple requests. That said, I'm getting a good rate so I can deal with it.

Did anyone have any luck using the Amrock ACH feature? I am paying down about $25k to get my loan below $510K and the ACH feature on Amrock's site will process my request but there is nothing to indicate that the payment went through. Alternatively, should I just eat the fees and do a wire transfer?
I never received any verification and when I asked they couldn't tell me, but the money was taken out of my bank account the Monday afternoon following my Saturday morning submission.
by Aesop
Wed Aug 12, 2020 11:51 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1849
Views: 215586

Re: My LenderFi refinance is going well

My Lenderfi refinance experience... State - California Loan - $304,648 LTV - 59.7% Original Loan - 4.5 years into 30 year fixed at 3.99% Refinanced Loan - 15 year fixed at 2% Points - $5,267 (we have zero intention of moving in the next 15+ years so paid points to get to 2%) Closing Costs - $1,271 (appraisal waived) Other Costs - We also paid interest for July but would have had to do that anyway and our old mortgage bank added a $196 recording fee of their own to the payoff amount. We did not open an escrow account with the new loan and have a $2405 refund coming from the old. July 3 - Submitted Application (holiday weekend). July 6 - Esigned Initial Disclosures. July 8 - Esigned Rate Lock Disclosures (rate lock good through Aug. 4). July ...
by Aesop
Wed Feb 19, 2020 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: California HSA - How to complete Schedule CA?
Replies: 12
Views: 1390

Re: California HSA - How to complete Schedule CA?

I have been using Option A for the past few years without issue as it makes the most logical sense and reports everything. I also usually have to add 540 Schedule D as I've had some capital gains/losses in my HSA. Option C makes no sense to me.
by Aesop
Wed Feb 19, 2020 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: FreeFillable Forms Missing Form 8889
Replies: 17
Views: 3582

Re: FreeFillable Forms Missing Form 8889

jmnbqb wrote: Tue Feb 18, 2020 10:48 am FYI, the IRS updated their website to show an available date of 2/28/2020 for Form 8889.
They updated it again today to available 2/21.
by Aesop
Tue Nov 28, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Lively HSA offers first dollar investing
Replies: 352
Views: 78342

Re: New HSA provider Lively offers investments for $30/yr fee

92irish wrote: Tue Nov 28, 2017 1:11 pmLet us know how HSA Bank handles your cash balance - I'm curious. I think they have a $25 account closure fee. I have HSA Bank (for now).
I contacted them again yesterday and was told that they had not received my transfer request (they confirmed receiving it two weeks ago). After I told them that I was filing a complaint with the US Treasury, Office of the Comptroller of the Currency and contacting my attorney they were able to find it and said that it had been misplaced.

Anyway... They deducted the $25 fee for closing the account and cut the check to Lively today.
by Aesop
Sun Nov 26, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Lively HSA offers first dollar investing
Replies: 352
Views: 78342

Re: New HSA provider Lively offers investments for $30/yr fee

Aesop wrote: Wed Nov 08, 2017 11:30 am Still waiting for HSA Bank to complete the final transfer and close the account (13 days now)...
Its been a month since the transfer out and close account form was submitted to HSA Bank and they have yet to do it. I contacted them a week and a half ago and they confirmed that they received the form but are still holding my cash balance.
by Aesop
Wed Nov 08, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Lively HSA offers first dollar investing
Replies: 352
Views: 78342

Re: New HSA provider Lively offers investments for $30/yr fee

yoshimi wrote: Tue Nov 07, 2017 11:32 am
Aesop wrote: Fri Oct 27, 2017 11:03 am I just did an in kind transfer from HSA Bank to Lively...
Did this leave you with just the $25 HSA Bank closing fee then? I ended up with both a HSA Bank (individual) and an Optum (work) HSA, and this might be the ticket for combining the two into something simpler with lower fees than HSA Bank for fully invested funds. HSA Bank has the account closing fee; Optum has a $20 rollover/transfer fee, and I'm trying to figure out if I can get around it.
Still waiting for HSA Bank to complete the final transfer and close the account (13 days now), but I am sure they will take the $25 closing fee out first.
by Aesop
Fri Oct 27, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Lively HSA offers first dollar investing
Replies: 352
Views: 78342

Re: New HSA provider Lively offers investments for $30/yr fee

I just did an in kind transfer from HSA Bank to Lively... Monday - Signed up. Tuesday - Received micro deposits in checking account, confirmed amounts (done via email at this time) and signed up for an investment account which was immediately activated. Filled out TD Ameritrade in kind transfer form (in California and don't want to pay state tax on gains... still hopeful that eventually the legislature will not kill the annual bill to conform in committee) and uploaded it securely (they currently use Virtru for this). Wednesday - Holdings moved in kind from old HSA Bank TD Ameritrade account to new Lively TD Ameritrade account. Thursday - TD Ameritrade cash balance moved (this probably would have happened Wednesday as well but they waited a...