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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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Mar 2, 2020 2:39 AM
2K Comments
Joined Feb 2008
stm69Mar 2, 2020 2:39 AM
2K Comments
Locked a 3.125 on a 30 year with ~$1800 in credits. Sweet!
Mar 2, 2020 4:12 AM
1.9K Comments
Joined Dec 2011
summi99Mar 2, 2020 4:12 AM
1.9K Comments
Quote from stm69 View quoted comment :
I don't think there's a stipulation if you use someone else, but within lender, it's normally 6 months or the lender credit might be clawed back.
Is this stated anywhere that lender credit will be taken back? I'm don't think so
Anyone know what's the earliest someone can refinance after closing with better ?
Mar 2, 2020 4:50 AM
4.4K Comments
Joined Jun 2005
hacklovemasterMar 2, 2020 4:50 AM
4.4K Comments
Quote from stm69 View quoted comment :
Locked a 3.125 on a 30 year with ~$1800 in credits. Sweet!
Is it after 2500 AMEX credit or before
Mar 2, 2020 4:52 AM
276 Comments
Joined Sep 2016
hdlkMar 2, 2020 4:52 AM
276 Comments
Has anyone locked in a rate for a condo recently?

What was your rate, term, and lender credit associated with that if any?

Mar 2, 2020 4:56 AM
1.1K Comments
Joined Jun 2009
hi4700Mar 2, 2020 4:56 AM
1.1K Comments
Quote from stm69 View quoted comment :
Locked a 3.125 on a 30 year with ~$1800 in credits. Sweet!
Can you please confirm when you say $1800
1. are they giving $1800 as check on closing day or depositing in escrow?
2. Is it $0 closing (i.e they will refund the appraisal fees)
Mar 2, 2020 5:02 AM
2K Comments
Joined Feb 2008
stm69Mar 2, 2020 5:02 AM
2K Comments
Quote from hacklovemaster View quoted comment :
Is it after 2500 AMEX credit or before
Quote from hi4700 View quoted comment :
Can you please confirm when you say $1800
1. are they giving $1800 as check on closing day or depositing in escrow?
2. Is it $0 closing (i.e they will refund the appraisal fees)
It's ~$1800 lender credit with ~$1100 in fees - I will apply the excess (if any, who knows what might get tacked on) to escrow funding. Appraisal fee and/or rush appraisal fee is covered by Amex on this promo.

This does not include the $2500 Amex credit down the line. Rep described it as "cherry on top" which is fine by me!
Mar 2, 2020 5:08 AM
4.4K Comments
Joined Jun 2005
hacklovemasterMar 2, 2020 5:08 AM
4.4K Comments
Quote from stm69 View quoted comment :
It's ~$1800 lender credit with ~$1100 in fees - I will apply the excess (if any, who knows what might get tacked on) to escrow funding. Appraisal fee and/or rush appraisal fee is covered by Amex on this promo.

This does not include the $2500 Amex credit down the line. Rep described it as "cherry on top" which is fine by me!
Okay. I locked on 30 years - 3.375% - 320k loan. Fee is $1250 after $800 lender credit. After pricematch with lending.com

I am net 1250 back profit after $2500 Amex Statement. I shopped around but I didnt getting any better offer. Frown

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Mar 2, 2020 5:14 AM
1.4K Comments
Joined Jan 2009
justsaverMar 2, 2020 5:14 AM
1.4K Comments
Mortgage rates haven't fallen as much as t-bill rates. Feels like mortgage rates should be way lower right now.
Mar 2, 2020 6:10 AM
1.4K Comments
Joined Jan 2020
SiennaDeer8270Mar 2, 2020 6:10 AM
1.4K Comments
Quote from justsaver View quoted comment :
Mortgage rates haven't fallen as much as t-bill rates. Feels like mortgage rates should be way lower right now.
They will be. Just be patient. This offer doesnt expire until summer. By then, the funds rate may be a whole percentage point lower. 30 year sub 3% is coming soon. Even that will seem high in the future. Not sure why people are still locking in rates right now. Banks are like yes, lock em in at these high rates while we still can. The market is pricing in a 50 basis point cut by morning.
Mar 2, 2020 6:14 AM
939 Comments
Joined Mar 2010
JustWrongMar 2, 2020 6:14 AM
939 Comments
My loan just got transferred to Mr.Cooper less than 2 weeks after my closing.
Mar 2, 2020 6:34 AM
2K Comments
Joined Feb 2008
stm69Mar 2, 2020 6:34 AM
2K Comments
Quote from SiennaDeer8270 View quoted comment :
They will be. Just be patient. This offer doesnt expire until summer. By then, the funds rate may be a whole percentage point lower. 30 year sub 3% is coming soon. Even that will seem high in the future. Not sure why people are still locking in rates right now. Banks are like yes, lock em in at these high rates while we still can. The market is pricing in a 50 basis point cut by morning.
Why not? As long as you're not paying out of pocket to refi, take the credits and run and refi later.
Mar 2, 2020 2:46 PM
443 Comments
Joined Jan 2014
moorheadhawkMar 2, 2020 2:46 PM
443 Comments
Quote from Greenworld123 View quoted comment :
That is high. My total refinancing costs were $2512 for 220k
Super high. My 214K total out of pocket closing was $1084. I made $1400+ in free money by refinancing, got lower rate, lower monthly payment and reduced overall loan length by few years.
Mar 2, 2020 3:34 PM
72 Comments
Joined Nov 2017
SsyossMar 2, 2020 3:34 PM
72 Comments
Quote from SiennaDeer8270 View quoted comment :
They will be. Just be patient. This offer doesnt expire until summer. By then, the funds rate may be a whole percentage point lower. 30 year sub 3% is coming soon. Even that will seem high in the future. Not sure why people are still locking in rates right now. Banks are like yes, lock em in at these high rates while we still can. The market is pricing in a 50 basis point cut by morning.
Not sure if we are going to see 3% 30 years. Would love to see it tho. But if we ever reach 3%, dow jones and others would crash first. We will loose our job first?
Mar 2, 2020 3:48 PM
119 Comments
Joined Feb 2006
cliftoniteMar 2, 2020 3:48 PM
119 Comments
Guy that I am working through TD is offering the following:

10/1 ARM 2.75$812 lender credit~4.5k in closing costs (1550 bank fee, around 3k in title insurance)
10/1 ARM2.875$4,002 credits same closing costs

This is on a 650k mortgage. Will Amex match the 2nd deal? What do I need to get to get the matching?

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Mar 2, 2020 4:25 PM
149 Comments
Joined Feb 2017
aaa7477Mar 2, 2020 4:25 PM
149 Comments
Quote from cliftonite View quoted comment :
Guy that I am working through TD is offering the following:

10/1 ARM 2.75$812 lender credit~4.5k in closing costs (1550 bank fee, around 3k in title insurance)
10/1 ARM2.875$4,002 credits same closing costs

This is on a 650k mortgage. Will Amex match the 2nd deal? What do I need to get to get the matching?
2.875 for 10/1 seems to be good. I am on a 7/1 with 2.875 with 3 more years left. Will be interested in 10/1 if the rate goes below 2.875. Jumbo here too. Keep us posted on what you find.

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