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Amex offer: $2,500 statement credit for home refinance Better.com

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Unlock even more as an
American Express® Card Member with an exclusive mortgage offer from Better.com
Better.com is making the homebuying and refinance experiences more rewarding, with a $2,500 statement credit and more, exclusively for eligible Card Members. See offer terms below.

https://www.americanexpress.com/u...-OfferHub2

EDIT information from Better.com!!!!!!!!!!!!!!!!!!!!!!!!!
Hello,
I work with Better,com and wanted to see if you could please add in the following information to your post on Amex/Better,com deal as it reads incorrect as it stands, especially regarding eligibility. We want to make sure the offer is stated as accurately as possible:
1) Mortgage rates of any specific customer, stated or otherwise, should not be taken as indicative of a mortgage rate available to all customers. Pricing is based on a number of factors, including the individual credit profile of a potential borrower.
2) The offer is only available to those borrowers who have been marketed to directly by American Express, and those who have not received the offer on their Amex portal or via email are not eligible.
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Amex offer: $2,500 statement credit for home refinance Better.com
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Joined Aug 2009
L5: Journeyman
> bubble2 1,389 Posts
115 Reputation
EasyEz
07-07-2020 at 10:45 AM.
07-07-2020 at 10:45 AM.
Quote from makitaws :
If you're unlucky enough to be assigned the infamous person at better.com mentioned earlier in this thread, then you're out of luck. He doesn't respond, and doesn't match. I sent him the LE 5 min after I received it. I called, texted, messaged. Luckily was able to find a slot free the next day and setup a call. He finally looked at the LE, and like was mentioned for several folks here, factored in the $2500 while "matching" the competing LE, and even after that better was $500 short. (i.e a total of $3000 off). Any talk of "beating by $1000" is a joke. The worst part is how he made me wait for a task that clearly he spent a grand total of 2 minutes on, and tried to justify how better was better.

FYI - perfect credit score. LTV 50%. Good loan amount. Multiple lenders offered me the same rate that better missed by 3k. Rates have stayed at historic lows for a whole week now. Just not worth the aggravation and the chance of missing what you already have if rates go up.
I mean.... Do you really think rates are going to shoot up over night? I'll admit I did refi too quickly but I made $3k on it, got rid of PMI and lowered my rate by .50%. I thought Better sucked for what it's worth. If it wasn't for the $2500, I wouldn't even have given them a chance.

Fingers and toes crossed rates stay low (or lower) for another 5 months then I see if I can reduce rate even more.
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Joined Oct 2007
L6: Expert
> bubble2 1,250 Posts
188 Reputation
micky_d
07-07-2020 at 10:46 AM.
07-07-2020 at 10:46 AM.
My experience with Loancabin has been super awful. I am not sure how it worked for you guys. But these people are way unprofessional, they dont have a good number to call. It leads to voicemail and then that person will never return your call. After couple of days of wait, I got an email and setup a call using their call appointment feature and as expected no call came at the schedule time.
Just FYI, I will not trust them to handle my mortgage. If they cannot show interest in this phase of quoting me, I cannot trust them with financing or for whatever reason if I need their help.
Go somewhere else !!
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Joined Nov 2006
L5: Journeyman
> bubble2 519 Posts
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BlackFire
07-07-2020 at 10:47 AM.
07-07-2020 at 10:47 AM.
What credit score do you need in order to get best rate on a 30-year fixed? I've got 745 and only got 3.375% with $1487 points.
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Joined Oct 2007
L5: Journeyman
> bubble2 728 Posts
46 Reputation
swine
07-07-2020 at 10:48 AM.
07-07-2020 at 10:48 AM.
Quote from EasyEz :
I mean.... Do you really think rates are going to shoot up over night? I'll admit I did refi too quickly but I made $3k on it, got rid of PMI and lowered my rate by .50%. I thought Better sucked for what it's worth. If it wasn't for the $2500, I wouldn't even have given them a chance.
Right. I think other lenders also have an online system that will let you submit almost all information there, and most importantly, has a better rate! Only go there for the AMEX 2500.
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Joined Nov 2017
L5: Journeyman
> bubble2 834 Posts
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gk6740
07-07-2020 at 11:01 AM.
07-07-2020 at 11:01 AM.
Quote from tough6guy :
How are you guys getting loan estimates from lenders?. All I am getting are rate sheets even after applying and them doing a credit pull. Do we get LE only after locking the rate and start submitting documents?
All except one of the handful I did sent me an LE. I think 1 or 2 did not do it right away, but with one email they did. Loan Cabin is the only one that did not.
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Joined Nov 2017
L5: Journeyman
> bubble2 834 Posts
66 Reputation
gk6740
07-07-2020 at 11:02 AM.
07-07-2020 at 11:02 AM.
Quote from BlackFire :
What credit score do you need in order to get best rate on a 30-year fixed? I've got 745 and only got 3.375% with $1487 points.
Have you sent them competing LE's? that is the only I found to get lower rates out of any of them.
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Joined Jun 2011
L7: Teacher
> bubble2 2,459 Posts
1,284 Reputation
savemybucks
07-07-2020 at 11:18 AM.
07-07-2020 at 11:18 AM.
Did anyone got 0 point 2.25% or 2.375% 15 yr deal from any lender other than Better?

Also, any deal on Title services in PA? They all hover around 1900-2200 range.
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Joined Nov 2017
L5: Journeyman
> bubble2 834 Posts
66 Reputation
gk6740
07-07-2020 at 11:29 AM.
07-07-2020 at 11:29 AM.
WHERE TO GET QUOTES:

I was able to do online quotes with LE's from each of these.
Better.com
LenderFi
Mr Cooper
Citizens
Figure
HomeFinity
AIM
LoanCabin - their own version of LE - never got a real one - maybe because I sent my close to final one from Better and they opted to not bother.

I did full application online. And they all did hard credit pulls.
2
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Joined Oct 2007
L5: Journeyman
> bubble2 728 Posts
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swine
07-07-2020 at 11:30 AM.
07-07-2020 at 11:30 AM.
Quote from savemybucks :
Did anyone got 0 point 2.25% or 2.375% 15 yr deal from any lender other than Better?

Also, any deal on Title services in PA? They all hover around 1900-2200 range.
I just online quote Lenderfi and it was 2.25% 15y
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Joined Jun 2011
L7: Teacher
> bubble2 2,459 Posts
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savemybucks
07-07-2020 at 11:32 AM.
07-07-2020 at 11:32 AM.
Quote from swine :
I just online quote Lenderfi and it was 2.25% 15y
with 0 points? and was on official LE?
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Joined Oct 2007
L5: Journeyman
> bubble2 728 Posts
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swine
07-07-2020 at 11:40 AM.
07-07-2020 at 11:40 AM.
Quote from savemybucks :
with 0 points? and was on official LE?
Yes, 0 point. Actually, it was $9 credit.

To get LE from LenderFi, you need to submit application. And the loan officer will (or at least supposed would) send you one.
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Joined Jun 2012
L4: Apprentice
> bubble2 349 Posts
221 Reputation
flyeaglesfly33
07-07-2020 at 11:46 AM.
07-07-2020 at 11:46 AM.
Quote from savemybucks :
with 0 points? and was on official LE?
Try Watermark Home Loans and Radian for title. I am also in PA. I know people have said Radian is closed for residentials, but I called the 800 number, sent an email, and had a quote within minutes.
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Joined Jan 2016
L3: Novice
> bubble2 119 Posts
10 Reputation
kapuju
07-07-2020 at 12:16 PM.
07-07-2020 at 12:16 PM.
Is it 14 days or 30 days to have multiple hard pulls for the same reason only count as one pull? I always thought it was 30 days, but credit karma is telling me it's 14
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Joined Jun 2011
L7: Teacher
> bubble2 2,459 Posts
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savemybucks
07-07-2020 at 12:35 PM.
07-07-2020 at 12:35 PM.
Quote from swine :
Yes, 0 point. Actually, it was $9 credit.

To get LE from LenderFi, you need to submit application. And the loan officer will (or at least supposed would) send you one.
Damn that's good. I applied fully with ssn and hard pull and got 1.20 points LE for 2.25% rate for refi. excellent credits and LTV ratio less than 55%
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Joined Mar 2019
L5: Journeyman
> bubble2 988 Posts
138 Reputation
CycloneFW
07-07-2020 at 12:39 PM.
07-07-2020 at 12:39 PM.
Quote from savemybucks :
Did anyone got 0 point 2.25% or 2.375% 15 yr deal from any lender other than Better?

Also, any deal on Title services in PA? They all hover around 1900-2200 range.
I got 2.25% with 0 points and a $350 lender credit. Better couldn't beat or even match it, but I still come out ahead after the Amex credit.
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