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expiredGreenworld123 posted Dec 08, 2019 02:27 PM
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expiredGreenworld123 posted Dec 08, 2019 02:27 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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Jan 11, 2020 06:33 AM
471 Posts
Joined Apr 2012
heartshackerJan 11, 2020 06:33 AM
471 Posts
Quote from polvoprismboy :
It depends on each person and each rate, but I'm at $1,600 right now. It may adjust after you lock your rate due to information you provide.

Also, I got confirmation from the underwriting person that my account has the AMEX promo noted despite not directly going through the link. I had to message them a few times but it looks like it's on track.
Thanks. Just wanted to get an idea. I guess ur pmi was canceled. For me paying some extra will be worth only if i can cancel pmi.
Jan 11, 2020 11:04 PM
292 Posts
Joined Feb 2010
empJan 11, 2020 11:04 PM
292 Posts
Quote from digitalfool :
I thought there was a 2 week period from initial mortgage check that anything in that timeframe would not negatively affect your credit score. I only say that because when I went through this I immediately got an e-mail from Credit Karma with other mortgage offers and said I have till this date to not hurt my credit score. Not sure if that was soft or hard pull though.
Pretty sure it's 45 days for mortgages, within that window all credit pulls for mortgages count as 1 pull. Credit cards has no "window" so each pull counts as 1. So 1 mortgage pull, or many within that window, should have the same negative score impact as 1 credit card pull. 1 addition is with a credit card if you get accepted then a new account is also created, this could negatively affect your "average age of accounts" but positively affect your score by reducing your "debt to credit line ratio", assuming you don't go on a shopping spree and max out the card.
Jan 11, 2020 11:26 PM
10,368 Posts
Joined Dec 2006
Switching2GeicoJan 11, 2020 11:26 PM
10,368 Posts
Would love to get in on this deal.
But no one can beat my rate. 3.25 30 year fixed.
Im a jumbo loan.

Zillow doesnt even show lower rates for 15 year loans
Jan 12, 2020 06:37 AM
934 Posts
Joined Mar 2010
JustWrongJan 12, 2020 06:37 AM
934 Posts
when do people here got the task about providing the AMEX info? is it during underwriting? before? or after?
Jan 12, 2020 04:16 PM
2,065 Posts
Joined Aug 2009
polvoprismboyJan 12, 2020 04:16 PM
2,065 Posts
Quote from EverGreed :
when do people here got the task about providing the AMEX info? is it during underwriting? before? or after?
I've read that it shows up right before closing. I'd contact your assigned person and double check the Amex deal is linked to your account.
Jan 12, 2020 09:26 PM
167 Posts
Joined Nov 2015
rtw07Jan 12, 2020 09:26 PM
167 Posts
The task for my Amex card info appeared about a week before closing.
Jan 13, 2020 03:47 PM
573 Posts
Joined Sep 2014
EvilsJan 13, 2020 03:47 PM
573 Posts
I've sent my mortgage concierge the zillow term sheet you get after typing in your information (before SSN). He now needs a more detailed term sheet with a breakdown of the fees etc. to adjust the better rate match guarantee.

What did you guys end up sending to better.com for the better rate match?

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Jan 13, 2020 03:51 PM
222 Posts
Joined Aug 2009
slickster112Jan 13, 2020 03:51 PM
222 Posts
What rates are you guys getting for refinance? I did my initial mortgage with Better 8 months ago and got 3.875 when rates were higher. For refinance, I'm getting the exact same rate with no points. Seems like it should be lower currently.
Jan 13, 2020 03:52 PM
134 Posts
Joined Mar 2018
TealCarpenter4849Jan 13, 2020 03:52 PM
134 Posts
Quote from Evils :
I've sent my mortgage concierge the zillow term sheet you get after typing in your information (before SSN). He now needs a more detailed term sheet with a breakdown of the fees etc. to adjust the better rate match guarantee.

What did you guys end up sending to better.com for the better rate match?
You need a loan estimate from lender, reach out any lender to give high level details (soft pull credit) to get loan estimate.
Jan 13, 2020 05:42 PM
75 Posts
Joined Jan 2007
towsonncJan 13, 2020 05:42 PM
75 Posts
I got 3.375% from another lender on Friday. No points. 30 year. Better matched it without any questions asked.
Jan 13, 2020 06:15 PM
2,065 Posts
Joined Aug 2009
polvoprismboyJan 13, 2020 06:15 PM
2,065 Posts
Quote from towsonnc :
I got 3.375% from another lender on Friday. No points. 30 year. Better matched it without any questions asked.
Which lender?

edit: if you get Aurora Loans, they'll send you an estimate without having to provide SSN. Although I didn't put in my exact address, we'll see if Better takes the estimate.
Last edited by polvoprismboy January 13, 2020 at 11:04 AM.
Jan 14, 2020 04:45 AM
471 Posts
Joined Apr 2012
heartshackerJan 14, 2020 04:45 AM
471 Posts
Quote from towsonnc :
I got 3.375% from another lender on Friday. No points. 30 year. Better matched it without any questions asked.
Also interested to know the lender.
Jan 14, 2020 05:42 AM
1,466 Posts
Joined Dec 2007
RattorJan 14, 2020 05:42 AM
1,466 Posts
Quote from schweigster :
What rates are you guys getting for refinance? I did my initial mortgage with Better 8 months ago and got 3.875 when rates were higher. For refinance, I'm getting the exact same rate with no points. Seems like it should be lower currently.
Direct from better, lowest I could get with no points was 3.625%. I went to Zillow and found the lowest rate at 0 points (3.375%) and got a loan estimate, sent that to better, and they matched it.
Jan 14, 2020 05:44 AM
1,466 Posts
Joined Dec 2007
RattorJan 14, 2020 05:44 AM
1,466 Posts
Quote from polvoprismboy :
Which lender?

edit: if you get Aurora Loans, they'll send you an estimate without having to provide SSN. Although I didn't put in my exact address, we'll see if Better takes the estimate.
Not op, but I got 3.375% with 0 points on a 30 year mortgage through First Internet Bank of Indiana, and from Farmers Bank of Kansas City.

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Jan 14, 2020 05:45 AM
1,466 Posts
Joined Dec 2007
RattorJan 14, 2020 05:45 AM
1,466 Posts
Quote from heartshacker :
Also interested to know the lender.
Not op, but I got 3.375% with 0 points on a 30 year mortgage through First Internet Bank of Indiana, and from Farmers Bank of Kansas City.

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