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expiredGreenworld123 posted Dec 8, 2019 2:27 PM

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

American Express Giftcards
9,847 Comments
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Deal Details
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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9.8K Comments

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Mar 6, 2020 4:29 PM
237 Comments
Joined Jul 2012
digitalfoolMar 6, 2020 4:29 PM
237 Comments
Quote from PeterGJ :
Does anyone know if you can refiance again since rates are dropping and get the $2500 credit again? Perhaps to a different card? I don't see anything in the terms disqualifying this.
You can refinance again if it is a financial benefit to you (eg lower rates), but you may not be able to refi with the same vendor in a given time frame. Better.com rep told me six months, so I already started an app with another broker. I closed with Better 7 weeks ago.
Mar 6, 2020 4:31 PM
232 Comments
Joined Nov 2013
PeterGJMar 6, 2020 4:31 PM
232 Comments
Quote from sowhatwegetdrunk :
I am positive that better will not take your file again. Depending on the credit you got from them, they will lose money if you dont keep the loan for atleast 4-6 months
Good to know. Interesting that they would care since they sold the loan 3 weeks after closing.
Mar 6, 2020 4:35 PM
718 Comments
Joined Oct 2011
d3alsoffortuneMar 6, 2020 4:35 PM
718 Comments
Looking to start another refi. Any idea who gave the best estimate to match with better?
Mar 6, 2020 4:36 PM
805 Comments
Joined Sep 2006
ychen07Mar 6, 2020 4:36 PM
805 Comments
Quote from PeterGJ :
Does anyone know if you can refiance again since rates are dropping and get the $2500 credit again? Perhaps to a different card? I don't see anything in the terms disqualifying this.
Can you share what's the refi rate you got?
Mar 6, 2020 4:37 PM
232 Comments
Joined Nov 2013
PeterGJMar 6, 2020 4:37 PM
232 Comments
3.75% buying some points in SE MI suburbs for a house worth about ,180k. Made money on the refiance and got rid of PMI
Mar 6, 2020 4:40 PM
227 Comments
Joined Apr 2006
jazzman161Mar 6, 2020 4:40 PM
227 Comments
Wanted to get everyone's opinion. I'm in the process of closing (scheduled for tomorrow to sign papers). When all is said and done, A+B+C+E-Credit ($4300) I'll be +$500 for a 30yr 3.375% on a $400k loan. (No AMEX so no bonus)

Should I continue or try to shop around more today and see if I can get a better deal? I know people are getting lower rates but the monthly savings vs taking the credit, I'm calculating 5-7 years before payback.

Or at this point should I just continue with what I have and look at refinancing again once I have an AMEX?


edit: Loan process is through Better FYI
Last edited by jazzman161 March 6, 2020 at 08:51 AM.
Mar 6, 2020 4:43 PM
119 Comments
Joined Feb 2006
cliftoniteMar 6, 2020 4:43 PM
119 Comments
Quote from jazzman161 :
Wanted to get everyone's opinion. I'm in the process of closing (scheduled for tomorrow to sign papers). When all is said and done, A+B+C+E-Credit ($4300) I'll be +$500 for a 30yr 3.375% on a $400k loan. (No AMEX so no bonus)

Should I continue or try to shop around more today and see if I can get a better deal? I know people are getting lower rates but the monthly savings vs taking the credit, I'm calculating 5-7 years before payback.

Or at this point should I just continue with what I have and look at refinancing again once I have an AMEX?
Why dont you take that to better and see if they match?

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Mar 6, 2020 4:44 PM
1K Comments
Joined Nov 2013
sowhatwegetdrunkMar 6, 2020 4:44 PM
1K Comments
Quote from PeterGJ :
Good to know. Interesting that they would care since they sold the loan 3 weeks after closing.
They probably will have terms that the new servicer wont pay (or take money back if paid) better.com until the loan is active for 6 months. Or something like that
Mar 6, 2020 4:46 PM
207 Comments
Joined Sep 2009
Oliade677Mar 6, 2020 4:46 PM
207 Comments
Is anyone seeing better than 3.375% on a 30 year loan with no points? I closed beginning of February, but haven't seen rates better than what I received. Checked my local credit union and Zillow.
Mar 6, 2020 4:49 PM
227 Comments
Joined Apr 2006
jazzman161Mar 6, 2020 4:49 PM
227 Comments
Quote from cliftonite :
Why dont you take that to better and see if they match?
Sorry should have clarified, that is through Better. At the time, they took the best LE I had and beat it. So even without the AMEX credit, Better was the "better" option.

But that process started about a month ago, and now the rate market has changed even more. Not sure if worth it to start negotiation again at this point in the process so close to closing and in a rate lock or what...
Mar 6, 2020 4:51 PM
805 Comments
Joined Sep 2006
ychen07Mar 6, 2020 4:51 PM
805 Comments
Delete.
Last edited by ychen07 March 6, 2020 at 10:04 AM.
Mar 6, 2020 4:57 PM
2.1K Comments
Joined Feb 2008
coolkatz321Mar 6, 2020 4:57 PM
2.1K Comments
I got my check last weekend. Asked Amex to cash out the credit, which they did immediately. Super happy with the whole process.
Mar 6, 2020 4:59 PM
805 Comments
Joined Sep 2006
ychen07Mar 6, 2020 4:59 PM
805 Comments
Quote from coolkatz321 :
I got my check last weekend. Asked Amex to cash out the credit, which they did immediately. Super happy with the whole process.
Could you share the rate you got from Better? Other than Amex credit, was there any lender credit?
Mar 6, 2020 4:59 PM
281 Comments
Joined Jan 2009
applemonkeyMar 6, 2020 4:59 PM
281 Comments
Originally got locked at 3.325 in January then they just floated me down to 3.250.

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Mar 6, 2020 5:03 PM
8 Comments
Joined May 2013
intotoolsMar 6, 2020 5:03 PM
8 Comments
Quote from Oliade677 :
Is anyone seeing better than 3.375% on a 30 year loan with no points? I closed beginning of February, but haven't seen rates better than what I received. Checked my local credit union and Zillow.
Got offered a 3.125% from Sofi yesterday on a 30 year with no points in Texas. $160k loan, credit score 760+.

Sent it over to better.com concierge last night to see if they will match, but haven't heard back yet. Their original rate for me was over 4% earlier in the week.

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