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expiredGreenworld123 posted Dec 08, 2019 02:27 PM
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expiredGreenworld123 posted Dec 08, 2019 02:27 PM

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:

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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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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 14, 2020 11:23 PM
236 Posts
Joined Jul 2012
digitalfoolMar 14, 2020 11:23 PM
236 Posts
I'm now into my 9th week with no credit. I did e-mail my Better rep last week and he said they have 12 weeks to issue the credit. Unsure why it's taking so long compared to others.
Mar 15, 2020 09:15 PM
2,583 Posts
Joined Feb 2008
LeaninBack916Mar 15, 2020 09:15 PM
2,583 Posts
Fed just cut the effective rate to zero. Gonna be a while before the market settles down now. I expect the onslaught to continue with any lender especially starting tomorrow.
Mar 16, 2020 01:59 AM
11 Posts
Joined Jun 2013
SreeGMar 16, 2020 01:59 AM
11 Posts
Quick question for the folks who took advantage of this offer - How does the free appraisal work? We do pay using the Amex card and we would get a credit back immediately? Or before or after the closing? Please share your experiences. Thank you.
Mar 16, 2020 02:02 AM
1,003 Posts
Joined Nov 2013
sowhatwegetdrunkMar 16, 2020 02:02 AM
1,003 Posts
Quote from SreeG :
Quick question for the folks who took advantage of this offer - How does the free appraisal work? We do pay using the Amex card and we would get a credit back immediately? Or before or after the closing? Please share your experiences. Thank you.
You pay nothing. Better takes care of it
Mar 16, 2020 05:03 AM
2,583 Posts
Joined Feb 2008
LeaninBack916Mar 16, 2020 05:03 AM
2,583 Posts
And on the closing docs it shows a third party paid for the appraisal
Mar 16, 2020 02:42 PM
866 Posts
Joined Aug 2006
SmellyCatMar 16, 2020 02:42 PM
866 Posts
to be clear, i dont need the offer in my card , just use the link and click through ?
Mar 16, 2020 02:47 PM
1,130 Posts
Joined Sep 2006
asdf916Mar 16, 2020 02:47 PM
1,130 Posts
Quote from LeaninBack916 :
Fed just cut the effective rate to zero. Gonna be a while before the market settles down now. I expect the onslaught to continue with any lender especially starting tomorrow.
What onslaught? The falling rates?

Mortgage rates have been increasing the last few days.

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Mar 16, 2020 02:48 PM
14,857 Posts
Joined Nov 2019
LilylyMar 16, 2020 02:48 PM
14,857 Posts
Quote from stblazer :
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.
Why not to anyone who just had a new mortgage the past couple years without refinancing in 2019 (i.e. those who bought a house early in 2018)?
Mar 16, 2020 03:26 PM
2,583 Posts
Joined Feb 2008
LeaninBack916Mar 16, 2020 03:26 PM
2,583 Posts
Quote from asdf916 :
What onslaught? The falling rates?

Mortgage rates have been increasing the last few days.
Onslaught of people asking for refinance rates. Sure... some savvy folks will use online tools and see the rate. But there is a vast majority that just "reach out" to a lender. I know the rates are hovering at about 5% last I checked on a 30 year.
Mar 16, 2020 03:55 PM
73 Posts
Joined Oct 2008
NiteshadeMar 16, 2020 03:55 PM
73 Posts
Quote from cliff1127 :
Why do you say that? Why will refinances be tough for the foreseeable future?
Just based on this thread it's already difficult to get a hold of the lenders, much less execute a refinance. Rates are going the wrong way demand is so high.

Another thing to consider - it's going to rapidly reach a point where appraisals cannot be done due to quarantine measures.
Last edited by Niteshade March 16, 2020 at 08:57 AM.
Mar 16, 2020 04:03 PM
4,214 Posts
Joined Jun 2010
alMacMar 16, 2020 04:03 PM
4,214 Posts
Possible that Bankrate can't publish current mortgage rates because lenders are overwhelmed with demand from people who want to refinance.

So long as they are overloaded with customers, i think there is no reason to lower rates. They just might even start to go back up until the demand queue starts to get shorter. Another thing I have been noticing is that loan origination fees jumped up so as to make refinancing unattractive.
Mar 16, 2020 06:06 PM
1,890 Posts
Joined Dec 2011
summi99Mar 16, 2020 06:06 PM
1,890 Posts
Quote from SmellyCat :
to be clear, i dont need the offer in my card , just use the link and click through ?
Yes, that is correct.
Mar 16, 2020 06:30 PM
702 Posts
Joined Oct 2011
d3alsoffortuneMar 16, 2020 06:30 PM
702 Posts
Quote from LeaninBack916 :
Onslaught of people asking for refinance rates. Sure... some savvy folks will use online tools and see the rate. But there is a vast majority that just "reach out" to a lender. I know the rates are hovering at about 5% last I checked on a 30 year.
Which online tools are showing you lower rates? I see none of the sites that I used to check showing anything lower than what was there before. In fact Zillow is saying there is nothing for me Big Grin
Mar 16, 2020 06:42 PM
568 Posts
Joined Sep 2014
EvilsMar 16, 2020 06:42 PM
568 Posts
The refinancing was completed on 2/26. When should I expect the statement credit?

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Mar 16, 2020 08:02 PM
134 Posts
Joined Mar 2018
TealCarpenter4849Mar 16, 2020 08:02 PM
134 Posts
Quote from Evils :
The refinancing was completed on 2/26. When should I expect the statement credit?
Mine got within 3 weeks, just saw someone says didnt get credit even after 9 weeks...

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