For buyers good news - in NJ you can back out for just about any reason; cold feet, psychic reading results, or a bad hair day - and get your money back. 

Just be sure its all documented in the lease.

My current rate is 3.625%, I just received my new load documents and the new payment at 3.99% is $658!

In the old days, I'd have to deal with checkpoints and hope that the one person who notarized documents was working that day since they never posted a set schedule.Performing notes are a lot easier.

If you are using the same lender it will make dealing with the underwriting simpler because you only have to provide documentation once for all 3 loans. 

If you're doing it "outside of closing" I guess that's fine, but realize you'll be signing documents at the closing attesting to the fact that you're not doing something like that.

Is that in the legal documentation when you buy?

Hoping someone out there has some good news for me cause this condo needs some work. 

Hey Joe, I know you asked for an agreement that can be e-signed but, while I couldn't find one that can be e-signed, I found this one for you from the State of Michigan which means that it's public information that you can use and turn into your own e-sign document.

The bad news almost every repair is $175-$250 because the technician knows the job will be instantly approved by the PM.