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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If 10 year note falls below 1 or lower doesn't mean the interest rates will go down to 2%.
Supply and demand is an important factor and right now there is high demand for refi.
Before knowing about that error, I submitted the 3.25% estimate sheet to my current mortgage company who said they would be able to match it which includes the $1000 lender credit. I'm trying to get that finalized with them right now to see if it actually works out
As a quick summary for those wondering
First filled out the info on Better.com which came back with 3.5% plus $1,900 in points
Got a quote from another lender which offered 3.5% with no fees
Better came back at 3.5% with $600 in lender credits
Other lender replied with 3.5% and $1000 credit or 3.25% plus $400 in points
Better replied with 3.25% plus $141 in points
Other lender replied with 3.25% and no costs
Now I might end up with 3.25% and $1000 in credit
This is for a $185k home value, $140k mortgage, 800+ credit, Charleston SC area
(I never saw anything resembling 3% and no points for my situation so people that are reporting those figures have different circumstances like area, value-to-mortgage, etc.)
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Before knowing about that error, I submitted the 3.25% estimate sheet to my current mortgage company who said they would be able to match it which includes the $1000 lender credit. I'm trying to get that finalized with them right now to see if it actually works out
As a quick summary for those wondering
First filled out the info on Better.com which came back with 3.5% plus $1,900 in points
Got a quote from another lender which offered 3.5% with no fees
Better came back at 3.5% with $600 in lender credits
Other lender replied with 3.5% and $1000 credit or 3.25% plus $400 in points
Better replied with 3.25% plus $141 in points
Other lender replied with 3.25% and no costs
Now I might end up with 3.25% and $1000 in credit
This is for a $185k home value, $140k mortgage, 800+ credit, Charleston SC area
(I never saw anything resembling 3% and no points for my situation so people that are reporting those figures have different circumstances like area, value-to-mortgage, etc.)
30 Year Fixed
3.500% / 3.688%
$5,834 in points
$1,987 in fees
We need more TX datapoints. I have a hard time getting below 3.9% $0 points for > $140K mortgage ($185K value). On Zillow in my zip, it's showing 4.1-4.375% with 760 score and above on 30 years. Not much difference with 20-15 year mortgages either. I am assuming rates differ on loan size, state, and zip code, considering 760+ score.
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