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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 4, 2020 7:46 PM
292 Comments
Joined Feb 2010
empFeb 4, 2020 7:46 PM
292 Comments
Quote from vfx View quoted comment :
Are you talking about "Sign rate lock agreement" task? I believe you have 14 days to shop around without getting ding on your credit before finding a competitor to match. Then it's not too late to lock in?
Pretty sure it's 45 days to shop around. All credit checks for mortgages within that 45 day window will count as 1 hit.
Feb 4, 2020 7:53 PM
1.4K Comments
Joined Jan 2020
SiennaDeer8270Feb 4, 2020 7:53 PM
1.4K 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.
So you extended the life of your loan to pay less? Don't you want no mortgage when you retire?
Feb 4, 2020 8:04 PM
2.6K Comments
Joined Mar 2008
isekiiFeb 4, 2020 8:04 PM
2.6K Comments
Quote from hussmanne View quoted comment :
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.
who was your agent ?
Feb 4, 2020 8:06 PM
2.6K Comments
Joined Mar 2008
isekiiFeb 4, 2020 8:06 PM
2.6K Comments
Quote from SiennaDeer8270 View quoted comment :
So you extended the life of your loan to pay less? Don't you want no mortgage when you retire?
hopefully he just started his 30 year before refinancing.
Feb 4, 2020 8:09 PM
1.5K Comments
Joined Dec 2006
IAccord99IFeb 4, 2020 8:09 PM
1.5K Comments
Quote from hussmanne View quoted comment :
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.
Are they giving you $1000 for not being able to match?

https://better.com/with/better-price-guarantee/

I tried to have them match another estimate and they ghosted me. Sent them the estimate last Thursday and there's been no response.

Before this, I was getting emails/text msgs/phone calls from them everyday.

Feb 4, 2020 9:35 PM
510 Comments
Joined Aug 2006
vfxFeb 4, 2020 9:35 PM
510 Comments
Quote from IAccord99I View quoted comment :
Are they giving you $1000 for not being able to match?

https://better.com/with/better-price-guarantee/

I tried to have them match another estimate and they ghosted me. Sent them the estimate last Thursday and there's been no response.

Before this, I was getting emails/text msgs/phone calls from them everyday.
I just submitted my LE for matching. Let's see how they're gonna do it.
Feb 4, 2020 11:00 PM
406 Comments
Joined Aug 2014
axcvFeb 4, 2020 11:00 PM
406 Comments
Quote from emp View quoted comment :
Pretty sure it's 45 days to shop around. All credit checks for mortgages within that 45 day window will count as 1 hit.
when you say 1 hit for mortgage shopping but each one will stay a seperate hard enquiry correct? if i apply 5 lenders so my HP will be 5

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Feb 5, 2020 12:14 AM
510 Comments
Joined Aug 2006
vfxFeb 5, 2020 12:14 AM
510 Comments
Quote from bestdeals_81 View quoted comment :
when you say 1 hit for mortgage shopping but each one will stay a seperate hard enquiry correct? if i apply 5 lenders so my HP will be 5
I had applied 5 or more in order to get a decent LE. Not too worried about the ding. It is what it is. You've gotta do what you gotta do. Anyway, what good is it if you can't use it to save you money? I googled it a bit... A hard pull will shave off couple points, but in a year or two, it's almost nothing. Anyway, I'd be more weary about providing personal info vs. getting ding on credit report. It turned out that the spam email account I used to apply and don't care about. Now it's my most protected email... Since it can be used to reset password to my loan apps.... Who would have thought....
Feb 5, 2020 12:16 AM
222 Comments
Joined Aug 2009
slickster112Feb 5, 2020 12:16 AM
222 Comments
Quote from hussmanne View quoted comment :
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.
I'm close to closing, but I found a better rate today and figured I'd try submitting it. Unfortunately, they accounted for the $2,500 Amex credit in comparing the rates, so they claimed I was already getting better deal. Oddly, they didn't account for the Amex credit when I matched the first time.
Feb 5, 2020 12:25 AM
510 Comments
Joined Aug 2006
vfxFeb 5, 2020 12:25 AM
510 Comments
Quote from schweigster View quoted comment :
I'm close to closing, but I found a better rate today and figured I'd try submitting it. Unfortunately, they accounted for the $2,500 Amex credit in comparing the rates, so they claimed I was already getting better deal. Oddly, they didn't account for the Amex credit when I matched the first time.
that's crazy. Is that even legal since their LE doesn't have that. I don't think they can use that. But that's just crazy. Thanks for the heads-up. Did you have to do "Sign rate lock agreement" task?

My concierge told me to submit one best offer from a bunch of them. But didn't know I can submit multiple times. Just have to keep that in mind before my closing period.
Feb 5, 2020 12:41 AM
222 Comments
Joined Aug 2009
slickster112Feb 5, 2020 12:41 AM
222 Comments
Yeah I'm locked in already. I expected them to just say that they only match before lock, which would have been more acceptable to me than saying that the Amex credit counts when comparing the loan estimates.
Feb 5, 2020 12:57 AM
138 Comments
Joined Sep 2009
rwerns21Feb 5, 2020 12:57 AM
138 Comments
I found a company I thought would be impossible to beat. Was approximately 1300 for everything including title, misc and prepaids (mortgage interest prepaid) For 3.5%. I needed cash out so my rate was a bit higher. But anyways I'm getting a 3.5% rate and paying only $300 after all fees and then getting my $2500 Amex credit! Not sure if I was specifically targeted for this promotion. The people I've talked to at Better said that the promo is added and I should get the $2500. Hope they are right! Also they said you can use your own tie company. My wife is a real estate agent here in CO so she was able to recommend one that would save a few hundred off of what they are quoting. So it might even be cheaper!
Feb 5, 2020 12:58 AM
138 Comments
Joined Sep 2009
rwerns21Feb 5, 2020 12:58 AM
138 Comments
Quote from rwerns21 View quoted comment :
I found a company I thought would be impossible to beat. Was approximately 1300 for everything including title, misc and prepaids (mortgage interest prepaid) For 3.5%. I needed cash out so my rate was a bit higher. But anyways I'm getting a 3.5% rate and paying only $300 after all fees and then getting my $2500 Amex credit! Not sure if I was specifically targeted for this promotion. The people I've talked to at Better said that the promo is added and I should get the $2500. Hope they are right! Also they said you can use your own tie company. My wife is a real estate agent here in CO so she was able to recommend one that would save a few hundred off of what they are quoting. So it might even be cheaper!
Title company***
Feb 5, 2020 1:17 AM
292 Comments
Joined Feb 2010
empFeb 5, 2020 1:17 AM
292 Comments
Quote from bestdeals_81 View quoted comment :
when you say 1 hit for mortgage shopping but each one will stay a seperate hard enquiry correct? if i apply 5 lenders so my HP will be 5
1 Hard Pull, 5 Hard Pulls, or 20 Hard Pulls should affect your score the same amount, effectively making pulls 2 - 20 "free" (in terms of your score). This is unlike a regular credit app where each pull counts as 1.

I believe auto loans have a similar window for rate shopping but I think that window is actually only 14 days and it must be an auto loan and not pulled as credit app like some shadier dealers might do.

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Feb 5, 2020 3:18 AM
293 Comments
Joined Mar 2010
hungiemaFeb 5, 2020 3:18 AM
293 Comments
currently locked in with better.com but i can hardly get a respond from them now. i think once they know they have you, they will no longer answer your question until closing date.

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