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expiredGreenworld123 posted Dec 8, 2019 2:27 PM

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

American Express Giftcards
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Must have an amex to add offer to your account. Details:

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.
Community Notes
About the Poster
Deal Details
Community Notes
About the Poster
Must have an amex to add offer to your account. Details:

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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9,848 Comments

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Dec 9, 2019 5:57 PM
2,526 Posts
Joined Jul 2006
190revDec 9, 2019 5:57 PM
2,526 Posts
Not showing up for the old SPG/ now freaking BonVoy Amex. No branding cards may be correct.
Dec 9, 2019 6:40 PM
3,582 Posts
Joined Dec 2006
Blitz28179Dec 9, 2019 6:40 PM
3,582 Posts
My pay off is in 2034. Been paying for almost 16 yrs, my rate is 6 %, How much money would it save me to get a 10 yr loan through better?
Dec 9, 2019 6:49 PM
5,637 Posts
Joined May 2010
haserfauldDec 9, 2019 6:49 PM
5,637 Posts
Quote from Blitz28179 :
My pay off is in 2034. Been paying for almost 16 yrs, my rate is 6 %, How much money would it save me to get a 10 yr loan through better?
To calculate this, you would also need the original mortgage amount and the current mortgage amount at minimum.
Dec 9, 2019 6:50 PM
685 Posts
Joined Oct 2008
younodadealDec 9, 2019 6:50 PM
685 Posts
Quote from Blitz28179 :
My pay off is in 2034. Been paying for almost 16 yrs, my rate is 6 %, How much money would it save me to get a 10 yr loan through better?
More info is needed. Use this free calculator to get your answer:
https://www.nerdwallet.com/mortga...calculator
Dec 9, 2019 6:56 PM
1,581 Posts
Joined Nov 2012
tomeaineDec 9, 2019 6:56 PM
1,581 Posts
no go in Ma
Dec 9, 2019 7:00 PM
15,446 Posts
Joined Dec 2015
Spaceman6969Dec 9, 2019 7:00 PM
15,446 Posts
Isn't reversed mortgage a scam?
Dec 9, 2019 7:03 PM
839 Posts
Joined Mar 2008
Snyder81Dec 9, 2019 7:03 PM
839 Posts
Quote from Blitz28179 :
My pay off is in 2034. Been paying for almost 16 yrs, my rate is 6 %, How much money would it save me to get a 10 yr loan through better?
If you are at 6% you need to take a serious look at refinancing. I suggest running your numbers at https://m.drcalculator.com/mortgage/ and looking at the Graph view to get a visual on how much interest you are paying. For refinancing take a look at at Zillow and go with lowest bidder assuming reviews are good.

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Dec 9, 2019 7:03 PM
9,273 Posts
Joined May 2015
texstDec 9, 2019 7:03 PM
9,273 Posts
Why do banks charge for refinancing? Don't they want your business?
1
Dec 9, 2019 7:05 PM
2,619 Posts
Joined Nov 2010
primetime2113Dec 9, 2019 7:05 PM
2,619 Posts
PSA, Minnesota residents not eligible
Dec 9, 2019 7:07 PM
12,970 Posts
Joined Oct 2007
arribasnDec 9, 2019 7:07 PM
12,970 Posts
I wonder what the limits are? I don't have much left in my loan, if I refi'd and just paid it off quickly I would think about this as I don't see a minimum loan amount. But going through a refi is always a PIA, last time they were giving me grief about an permitted enclosed sun room..
Dec 9, 2019 7:07 PM
690 Posts
Joined Dec 2012
pokerfreak07Dec 9, 2019 7:07 PM
690 Posts
Quote from primetime2113 :
PSA, Minnesota residents not eligible
Thanks! Coon Rapids slick dealer just stumbled upon this, saved me the research time.
Dec 9, 2019 7:07 PM
12,970 Posts
Joined Oct 2007
arribasnDec 9, 2019 7:07 PM
12,970 Posts
Quote from texst :
Why do banks charge for refinancing? Don't they want your business?
well there is no guarantee you'll keep the loan long so they want to make some money on the front end (or take it out in the form of a higher rate)
Dec 9, 2019 7:08 PM
5,637 Posts
Joined May 2010
haserfauldDec 9, 2019 7:08 PM
5,637 Posts
I'm just kicking off the refi process. I bought a house last year near the peak of rates and am in a 30 year 4.75% loan and I'm paying PMI (cheap--$27/mo) since I'm at 18% down. The upside is that property values in my area have jumped significantly, and my home SHOULD assess over 80% LTV.

I wasn't impressed with Better.com's rates when I looked last month, and I'm still not now. But with a $2500 credit, I can buy enough points to get my net cost low enough that I'm actually beating any other rate quotes I've gotten (3.625%). Very tempted here.
Dec 9, 2019 7:10 PM
2,065 Posts
Joined Aug 2009
polvoprismboyDec 9, 2019 7:10 PM
2,065 Posts
This seems too good to be true. We have a 4% 30 year right now paying almost 2k a month, and if we get a credit back on the fees, it'd be 3.75% with a $1.5k rebate and $1,400 a month? Does that sound right?

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Dec 9, 2019 7:13 PM
532 Posts
Joined Feb 2011
brewzerDec 9, 2019 7:13 PM
532 Posts
My credit score is between 770 and 800 and I just refinanced in late Oct. at 3.375% for 15 years. I wish I hadn't read this thread now because it seems I could have done much better. Frown

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