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Greenworld123 1.4M Views
Dec 8, 2019 2:27 PM

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

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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.
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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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9.8K Comments

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Feb 1, 2020 12:13 AM
1.4K Comments
Joined Jan 2020
SiennaDeer8270Feb 1, 2020 12:13 AM
1.4K Comments
Quote from isekii View quoted comment :
Cashcall I'm not planning on keeping this more than 2-3 years max credits work out better vs the lower %
If 2-3 years max why not do an arm? Even lower apr.

If you are shopping 15 year terms, that means there's a chance you'll stay longer. I'd take the lower rate. Although I shop for jumbo loans. I don't need loans for tiny mortgages. Hence my reason for not caring about tiny credits.
Last edited by SiennaDeer8270 January 31, 2020 at 04:15 PM.
Feb 1, 2020 12:15 AM
835 Comments
Joined Sep 2013
mjspamFeb 1, 2020 12:15 AM
835 Comments
Best option I got from better was 3.375 for a 30 year fixed. But with 1.102 points.

Not worth it when i am easily getting the same rate with less than 1 point. The amex credit just brings it down to the same as 1 point.
Feb 1, 2020 10:01 AM
1.4K Comments
Joined Jan 2020
SiennaDeer8270Feb 1, 2020 10:01 AM
1.4K Comments
Quote from mjspam View quoted comment :
Best option I got from better was 3.375 for a 30 year fixed. But with 1.102 points.

Not worth it when i am easily getting the same rate with less than 1 point. The amex credit just brings it down to the same as 1 point.
Exactly. Credits dont mean very much unless you have a tiny mortgage amount.
Feb 1, 2020 1:36 PM
2.6K Comments
Joined Mar 2008
isekiiFeb 1, 2020 1:36 PM
2.6K Comments
Quote from SiennaDeer8270 View quoted comment :
If 2-3 years max why not do an arm? Even lower apr.

If you are shopping 15 year terms, that means there's a chance you'll stay longer. I'd take the lower rate. Although I shop for jumbo loans. I don't need loans for tiny mortgages. Hence my reason for not caring about tiny credits.
Rate wasn't that much better.
Feb 1, 2020 3:38 PM
1.4K Comments
Joined Jan 2020
SiennaDeer8270Feb 1, 2020 3:38 PM
1.4K Comments
Quote from isekii View quoted comment :
Rate wasn't that much better.
So there's a chance you'll stay longer? If you are confident you'll leave, even one hundredth of a percentage point savings is worth it.

Plus, the arm will most likely fall in this interest rate environment over the next 2-3 years.
Feb 1, 2020 3:49 PM
2.6K Comments
Joined Mar 2008
isekiiFeb 1, 2020 3:49 PM
2.6K Comments
Quote from SiennaDeer8270 View quoted comment :
So there's a chance you'll stay longer? If you are confident you'll leave, even one hundredth of a percentage point savings is worth it.

Plus, the arm will most likely fall in this interest rate environment over the next 2-3 years.
99% sure like 2 years at most
Feb 1, 2020 6:49 PM
1.5K Comments
Joined Dec 2006
IAccord99IFeb 1, 2020 6:49 PM
1.5K Comments
So after signing up last week, I've been bombarded with emails and phone calls multiple times a day.

Then I sent them an estimate from someone local. Basically same rate except I didnt have to buy points.

They ghosted me. I'm guessing they couldn't match and didn't want to pay me $1000.
Last edited by IAccord99I February 1, 2020 at 11:13 AM.

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Feb 1, 2020 11:11 PM
664 Comments
Joined Sep 2005
jumper21987Feb 1, 2020 11:11 PM
664 Comments
Didn't see this anywhere yet. Would this work if I got a new Amex this week, or is this for existing cardholders only?
Feb 2, 2020 5:46 AM
76 Comments
Joined Oct 2008
NiteshadeFeb 2, 2020 5:46 AM
76 Comments
Quote :
Didn't see this anywhere yet. Would this work if I got a new Amex this week, or is this for existing cardholders only?
I'll let you know in a few weeks, I just closed after opening the card the night before applying.
Feb 2, 2020 10:04 PM
73 Comments
Joined Jan 2015
hussmanneFeb 2, 2020 10:04 PM
73 Comments
Ended up getting 3.25% 30 year refi w/ Cash Call. $0 closing costs and $1500 lender credit. $1xx,xxx loan.
Feb 2, 2020 10:20 PM
644 Comments
Joined Aug 2005
stbzerFeb 2, 2020 10:20 PM
644 Comments
Quote from hussmanne View quoted comment :
Ended up getting 3.25% 30 year refi w/ Cash Call. $0 closing costs and $1500 lender credit. $1xx,xxx loan.
Nice job. I'm assuming a Better wasn't able to beat that offer?
Feb 3, 2020 2:29 AM
73 Comments
Joined Jan 2015
hussmanneFeb 3, 2020 2:29 AM
73 Comments
Quote from stblazer View quoted comment :
Nice job. I'm assuming a Better wasn't able to beat that offer?
I'm more than satisfied. Better tapped out at 3.5%, and started assuming the $2500 Amex credit in their closing cost. Cash Call had a better overall deal all things considered.
Feb 3, 2020 6:43 AM
644 Comments
Joined Aug 2005
stbzerFeb 3, 2020 6:43 AM
644 Comments
Better told me that their best was 3.5 as well, but I showed them the offer I got from another lender, which was 3.375 with enough lender credit to cover all fees, and to my surprise better beat that offer by $1000. I was prepared to go with the other lender, but better exceeded my expectations. It's worth a quick email to them to see if they can one up cash call. It can't hurt.
Feb 3, 2020 11:54 AM
5.4K Comments
Joined Jul 2006
shahhereFeb 3, 2020 11:54 AM
5.4K Comments
Quote from stblazer View quoted comment :
Better told me that their best was 3.5 as well, but I showed them the offer I got from another lender, which was 3.375 with enough lender credit to cover all fees, and to my surprise better beat that offer by $1000. I was prepared to go with the other lender, but better exceeded my expectations. It's worth a quick email to them to see if they can one up cash call. It can't hurt.
Could you shop the other companies before and the day you submit to better also submit the comparing offers?

Shahhere

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Feb 3, 2020 3:44 PM
207 Comments
Joined Nov 2011
BlakeKFeb 3, 2020 3:44 PM
207 Comments
How long did it take for people to receive the $2,500 credit? My Loan funded on January 16th.

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