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expired Posted by Greenworld123 • Dec 8, 2019
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expired Posted by Greenworld123 • Dec 8, 2019

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

American Express Giftcards
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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.
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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9,848 Comments

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Mar 13, 2020
73 Posts
Joined Oct 2008
Mar 13, 2020
Niteshade
Mar 13, 2020
73 Posts
Quote from rwerns21 :
Hope everyone got in that wanted to. I can't imagine working with any lender right now would be an enjoyable experience.
Yeah, hope no one took the advice of the trolls saying it was going lower than 2.5%. Gonna be tough to get a refinance for the foreseeable future.
Mar 14, 2020
665 Posts
Joined May 2007
Mar 14, 2020
ultrasubzero123
Mar 14, 2020
665 Posts
Quote from Niteshade :
Yeah, hope no one took the advice of the trolls saying it was going lower than 2.5%. Gonna be tough to get a refinance for the foreseeable future.
Why do you say that? Why will refinances be tough for the foreseeable future?
Mar 14, 2020
44 Posts
Joined Apr 2012
Mar 14, 2020
shochuu
Mar 14, 2020
44 Posts
Man, rates are literally going up by .25% every 2 hours.
I was hopefully going to get my offer accepted but now the home is priced out of my budget because mortgage rates have risen a full percentage in 4 days.
What the actual fudge. I hate this.
Mar 14, 2020
2,021 Posts
Joined Feb 2008
Mar 14, 2020
stm69
Mar 14, 2020
2,021 Posts
Quote from shochuu :
Man, rates are literally going up by .25% every 2 hours.
I was hopefully going to get my offer accepted but now the home is priced out of my budget because mortgage rates have risen a full percentage in 4 days.
What the actual fudge. I hate this.
Not for nothing, but your budget is way tight for home ownership if 1% interest rate kills it.
Mar 14, 2020
1,449 Posts
Joined Apr 2004
Mar 14, 2020
BMWZ8Bond
Mar 14, 2020
1,449 Posts
Quote from cliff1127 :
Why do you say that? Why will refinances be tough for the foreseeable future?
Because lenders were reducing staff numbers for most of 2018 as interest rates rose (as refinances dropped off and new originations declines). Now none of them can support this crazy demand, so they're all raising interest rates to curtail it. Even those with locks are having a drawn out close process.

Who knows what will happen. Eventually everyone who started the process in the past month will get finished up and lenders will free up again, but with interest rates low, people will keep coming to refinance. The the whole economy down, they may not be in the financial position to do so though.
Mar 14, 2020
1,775 Posts
Joined May 2006
Mar 14, 2020
baronvdb
Mar 14, 2020
1,775 Posts
So what's the consensus? If fed cuts rates to zero at next meeting do you think these mortgage companies are still going to keep rates artificially high? I would think at some point they'll have to fall in line (I understand mortgage rates aren't in lockstep but they should be impacted). Surely there are some mortgage brokers in here on the front lines with some inside info...
Mar 14, 2020
138 Posts
Joined Sep 2009
Mar 14, 2020
rwerns21
Mar 14, 2020
138 Posts
Got notice that my loan was sold to Mr. Cooper. I've seen their name on a few other posts for being resold. So far my experience with them has been good. Great app experience and easy to setup auto pay. The big question will be when I have to call in for something.

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Mar 14, 2020
547 Posts
Joined Jun 2017
Mar 14, 2020
MK2172
Mar 14, 2020
547 Posts
Its gonna a while before we see a dip in mortgage rates.. demand has raised the cost and rate and this needs to simmer down.
Quote from baronvdb :
So what's the consensus? If fed cuts rates to zero at next meeting do you think these mortgage companies are still going to keep rates artificially high? I would think at some point they'll have to fall in line (I understand mortgage rates aren't in lockstep but they should be impacted). Surely there are some mortgage brokers in here on the front lines with some inside info..
Mar 14, 2020
2,582 Posts
Joined Feb 2008
Mar 14, 2020
LeaninBack916
Mar 14, 2020
2,582 Posts
Quote from rwerns21 :
Got notice that my loan was sold to Mr. Cooper. I've seen their name on a few other posts for being resold. So far my experience with them has been good. Great app experience and easy to setup auto pay. The big question will be when I have to call in for something.
I've found most sites now a days/apps are very easy to use. The problem arises when trying to contact these folks for an issue. My refi will eliminate escrow EXCEPT for my required flood insurance which I didn't know is a required escrow thanks to the government. I was hoping to eliminate escrow and rely on myself.

Anyways, i used to have arc home loans as my provider and their site was so easy to use. Had two issues over 4 years and it was a pain to deal with them
Mar 14, 2020
2,582 Posts
Joined Feb 2008
Mar 14, 2020
LeaninBack916
Mar 14, 2020
2,582 Posts
Quote from baronvdb :
So what's the consensus? If fed cuts rates to zero at next meeting do you think these mortgage companies are still going to keep rates artificially high? I would think at some point they'll have to fall in line (I understand mortgage rates aren't in lockstep but they should be impacted). Surely there are some mortgage brokers in here on the front lines with some inside info...
At some point you will see a favorable rate it's just tough to know when. If these places ramp up staffing and also if the market doesn't get more rate cuts or any news to spike media articles about it
Mar 14, 2020
1,883 Posts
Joined Dec 2011
Mar 14, 2020
summi99
Mar 14, 2020
1,883 Posts
Quote from rwerns21 :
Got notice that my loan was sold to Mr. Cooper. I've seen their name on a few other posts for being resold. So far my experience with them has been good. Great app experience and easy to setup auto pay. The big question will be when I have to call in for something.
Same here. Got a notice regarding mr cooper but I don't see the new loan number.
Closed on feb 28. Still waiting for Amex credit
Last edited by summi99 March 14, 2020 at 11:24 AM.
Mar 14, 2020
138 Posts
Joined Sep 2009
Mar 14, 2020
rwerns21
Mar 14, 2020
138 Posts
Quote from summi99 :
Same here. Got a notice regarding mr cooper but I don't see the new loan number.
Closed on feb 28. Still waiting for Amex credit
I had a document (on their website) with TMS that gave the number at the beginning of the letter. It took me a minute to find it.
Mar 14, 2020
1,883 Posts
Joined Dec 2011
Mar 14, 2020
summi99
Mar 14, 2020
1,883 Posts
Quote from rwerns21 :
I had a document (on their website) with TMS that gave the number at the beginning of the letter. It took me a minute to find it.
Thanks a lot. Found it.
When did you close and Did you get the Amex credit ?
Mar 14, 2020
138 Posts
Joined Sep 2009
Mar 14, 2020
rwerns21
Mar 14, 2020
138 Posts
Quote from summi99 :
Thanks a lot. Found it.
When did you close and Did you get the Amex credit ?
My loan funded 2/24 and I have not received my credit yet. Based on when others have received theirs I would estimate receiving it by 3/18 but just a guess! 😉

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Mar 14, 2020
629 Posts
Joined Aug 2005
Mar 14, 2020
stbzer
Mar 14, 2020
629 Posts
Rates are almost guaranteed to go lower at some point in the future. I'm wondering, are lenders raising rates now to keep borrowers from refinancing frequently as rates continue to fall? The refinance craze started late 2019, so losing any client who financed during that time would no doubt hurt the banks/lenders. I find it difficult to believe that every single lender is too busy to take on new clients. This is a free market, where there is always someone hungry for your business, unless it's too much risk for them to take on. If so, mortgages could be experiencing artificially inflated rates for several more months. The only real winners would be the ones who financed early, before things got to this point.

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