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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 24, 2020
5,320 Posts
Joined Jul 2004
Mar 24, 2020
Gdog2004
Mar 24, 2020
5,320 Posts
any of you guys know the best place to check for the best rates without having to go thru a big song and dance ? Every time I check on a current rate it takes me thru 500 steps ..I KNOW I can get approved and have a ton of equity and credit score over 760....
Mar 24, 2020
138 Posts
Joined Sep 2009
Mar 24, 2020
rwerns21
Mar 24, 2020
138 Posts
Quote from Gdog2004 :
any of you guys know the best place to check for the best rates without having to go thru a big song and dance ? Every time I check on a current rate it takes me thru 500 steps ..I KNOW I can get approved and have a ton of equity and credit score over 760....
Sofi.com is very easy. I've gotten low rate quotes from them recently
Mar 24, 2020
568 Posts
Joined Sep 2014
Mar 24, 2020
Evils
Mar 24, 2020
568 Posts
Quote from Rat1301 :
I was also hoping for Chase for the same reasons. Here is my timeline:

30 year @ 3.375% funded on 2/26
Servicing transferred to Mr. Cooper on 3/10
No credit thus far
Got my statement credit today!

I was on the edge wondering if I would get my credit for a long time since I opened the card AFTER seeing this offer here, but it worked!!!
Mar 24, 2020
10 Posts
Joined Mar 2020
Mar 24, 2020
SociableCorn130
Mar 24, 2020
10 Posts
I've been shopping around for a refinance and was going through AIM but missed the low rates. Ended up going up to 3.85, which is the same as my current rate.

I got this offer and checked out better.com and the rate they are giving me for a 30 year fixed is 5.125%. Is there something I'm missing? Why is it SO high.

I have a credit score over 760, and owe 149k on a 180k house. The FHA loans are lower, 3.5 but I duno about those.

Mar 24, 2020
1,883 Posts
Joined Dec 2011
Mar 24, 2020
summi99
Mar 24, 2020
1,883 Posts
Got my credit today. Closed on 02/28.
The credit posted with a date of 02/26 in my account.
Was anyone able to get a check upon requesting Amex?
Mar 25, 2020
451 Posts
Joined Jan 2007
Mar 25, 2020
rainlake
Mar 25, 2020
451 Posts
Quote from SociableCorn130 :
I've been shopping around for a refinance and was going through AIM but missed the low rates. Ended up going up to 3.85, which is the same as my current rate.

I got this offer and checked out better.com and the rate they are giving me for a 30 year fixed is 5.125%. Is there something I'm missing? Why is it SO high.

I have a credit score over 760, and owe 149k on a 180k house. The FHA loans are lower, 3.5 but I duno about those.
Lenders are increasing rate because lots of them are over capacity and it's not really easy secure your funds at this situation.
Mar 25, 2020
10 Posts
Joined Mar 2020
Mar 25, 2020
SociableCorn130
Mar 25, 2020
10 Posts
Quote from rainlake :
Lenders are increasing rate because lots of them are over capacity and it's not really easy secure your funds at this situation.
Ok. Thanks. I know they went up because of that but other lenders were much lower still. I'll just wait.

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Mar 25, 2020
451 Posts
Joined Jan 2007
Mar 25, 2020
rainlake
Mar 25, 2020
451 Posts
Quote from SociableCorn130 :
Ok. Thanks. I know they went up because of that but other lenders were much lower still. I'll just wait.
Different lender has their own model, Federal reserve has declared they will buy "unlimited" MBS. Just give it few weeks the rate will drop and you might be able to avoid in personal appraisal and closing as well. Good luck!
Mar 25, 2020
1,446 Posts
Joined Jul 2008
Mar 25, 2020
svinokot
Mar 25, 2020
1,446 Posts
So there is about $2600 in third party costs that you can not avoid with better.com. To have no closings cost out of pocket you really need to take a higher rate (with negative points). And basically that $2600 will be covered by Amex offer credit. Is that how you do it? If you look at 3.5 or lower rate, the closing cost even taking into consideration the credit, will be a couple grand.
Mar 25, 2020
10 Posts
Joined Mar 2020
Mar 25, 2020
SociableCorn130
Mar 25, 2020
10 Posts
Quote from svinokot :
So there is about $2600 in third party costs that you can not avoid with better.com. To have no closings cost out of pocket you really need to take a higher rate (with negative points). And basically that $2600 will be covered by Amex offer credit. Is that how you do it? If you look at 3.5 or lower rate, the closing cost even taking into consideration the credit, will be a couple grand.
I'd like a rate around 3 and I'm ok paying for it. Between the $2500 from amex and my sure to be coming soon trumpbux ($2900 by my family of three) it'll cost me basically nothing.
Mar 25, 2020
1,446 Posts
Joined Jul 2008
Mar 25, 2020
svinokot
Mar 25, 2020
1,446 Posts
Quote from SociableCorn130 :
I'd like a rate around 3 and I'm ok paying for it. Between the $2500 from amex and my sure to be coming soon trumpbux ($2900 by my family of three) it'll cost me basically nothing.

As of today My refinance Quote at 3.125% with better.com has $7600 price tag. Minus $2500 Amex credit. $5100 is a lot.
Mar 25, 2020
1,565 Posts
Joined Nov 2012
Mar 25, 2020
tomeaine
Mar 25, 2020
1,565 Posts
Quote from svinokot :
As of today My refinance Quote at 3.125% with better.com has $7600 price tag. Minus $2500 Amex credit. $5100 is a lot.
Is that with escrow or just lender fee?
Mar 25, 2020
1,446 Posts
Joined Jul 2008
Mar 25, 2020
svinokot
Mar 25, 2020
1,446 Posts
Quote from tomeaine :
Is that with escrow or just lender fee?
No, that is just the lender and third party costs.
Mar 25, 2020
10 Posts
Joined Mar 2020
Mar 25, 2020
SociableCorn130
Mar 25, 2020
10 Posts
Quote from svinokot :
As of today My refinance Quote at 3.125% with better.com has $7600 price tag. Minus $2500 Amex credit. $5100 is a lot.
yikes. well i'm gonna wait for the rates to hopefully drop. We'll see. thanks for the update.

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Mar 25, 2020
261 Posts
Joined Oct 2004
Mar 25, 2020
el_cheapo
Mar 25, 2020
261 Posts
Quote from svinokot :
As of today My refinance Quote at 3.125% with better.com has $7600 price tag. Minus $2500 Amex credit. $5100 is a lot.
Depends on where you live. 7k is about average for us in Florida with taxes and title, assuming a round 700k loan
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