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Greenworld123 1.4M Views
Dec 8, 2019 2:27 PM

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

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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.
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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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Apr 2, 2020 5:16 PM
231 Comments
Joined Nov 2011
cheegeeApr 2, 2020 5:16 PM
231 Comments
Quote from diavolo33 View quoted comment :
Where did you read that? The appraisal fees is waived with this offer, but the appraisal requirement is not (unless there is some other reason they don't need one in a particular scenario).
I read some comments saying 'better waived home appraisal'. Didnt realize that it meant the fees was waived and not the actual home appraisal. My bad.
Apr 2, 2020 5:53 PM
9K Comments
Joined May 2007
diavolo33Apr 2, 2020 5:53 PM
9K Comments
Quote from cheegee View quoted comment :
I read some comments saying 'better waived home appraisal'. Didnt realize that it meant the fees was waived and not the actual home appraisal. My bad.

I got my appraisal in about a week after submitting my loan app. I stretched out my closing until the last day of the lock period, but others seem to have been able to fast track their closings.
Apr 2, 2020 7:50 PM
264 Comments
Joined Dec 2004
robdlsApr 2, 2020 7:50 PM
264 Comments
Has anyone received a loan/loan estimate from Better.com for 2.875% on 30 year fixed with or withour match to another lender? They tell me its not possible as the rate doesn't generate on their end.
Apr 2, 2020 8:00 PM
1.5K Comments
Joined Jul 2008
svinokotApr 2, 2020 8:00 PM
1.5K Comments
Quote from cheegee View quoted comment :
I read some comments saying 'better waived home appraisal'. Didnt realize that it meant the fees was waived and not the actual home appraisal. My bad.

I think the actual appraisal is waived in many cases because of the virus. If they can do without one, they will not send anyone, up to their discretion.
Apr 2, 2020 8:20 PM
719 Comments
Joined Oct 2011
d3alsoffortuneApr 2, 2020 8:20 PM
719 Comments
Quote from robdls View quoted comment :
Has anyone received a loan/loan estimate from Better.com for 2.875% on 30 year fixed with or withour match to another lender? They tell me its not possible as the rate doesn't generate on their end.
Who is giving you 2.875?
Apr 2, 2020 8:39 PM
263 Comments
Joined Apr 2009
jdavidApr 2, 2020 8:39 PM
263 Comments
Quote from w3bCraw1er View quoted comment :
Who is giving you 2.875?
I tried. The best they could do was 3.0 on 30 year fixed with no points. I took the offer and expect to close by the end of the month.
Apr 2, 2020 9:14 PM
264 Comments
Joined Dec 2004
robdlsApr 2, 2020 9:14 PM
264 Comments
Quote from jdavid View quoted comment :
I tried. The best they could do was 3.0 on 30 year fixed with no points. I took the offer and expect to close by the end of the month.
What are the loan costs? Any lender credit?

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Apr 2, 2020 9:30 PM
10.9K Comments
Joined Nov 2010
youra6Apr 2, 2020 9:30 PM
10.9K Comments
Quote from jdavid View quoted comment :
I tried. The best they could do was 3.0 on 30 year fixed with no points. I took the offer and expect to close by the end of the month.
How long ago was that? I locked in at 3.0 with a different lender but that was weeks ago. The best they could do was 3.625 with like 3 points.
Apr 2, 2020 10:17 PM
263 Comments
Joined Apr 2009
jdavidApr 2, 2020 10:17 PM
263 Comments
No points, no origination fee. $200 something lender credit. This was Tuesday of this week. This was a result of a match from SoFi

Quote from robdls View quoted comment :
What are the loan costs? Any lender credit?
Apr 2, 2020 10:23 PM
1.3K Comments
Joined Feb 2006
mZimmApr 2, 2020 10:23 PM
1.3K Comments
Quote from svinokot View quoted comment :
I think the actual appraisal is waived in many cases because of the virus. If they can do without one, they will not send anyone, up to their discretion.
Not really Better's decision in most cases. They are a mortgage lender, not a bank, so they are not keeping these loans on their own books and the entity that is purchasing them on the other side will dictate whether or not an appraisal is required. For confirming loans likely Fannie Mae, Freddie Mac, or FHA. For jumbos likely Chase or Wells, etc.

But many of these entities are indeed waiving appraisals on lower risk homes during this pandemic.
Apr 2, 2020 10:39 PM
2.6K Comments
Joined Mar 2008
isekiiApr 2, 2020 10:39 PM
2.6K Comments
Has anyone confirmed you can re-do this again and get the 2500 credit or is this a one time deal?
Apr 2, 2020 10:52 PM
824 Comments
Joined Nov 2006
MrBean411Apr 2, 2020 10:52 PM
824 Comments
Why isn't there a wiki on this thread? would be nice to update with links and updated information.
Apr 2, 2020 10:53 PM
138 Comments
Joined Sep 2009
rwerns21Apr 2, 2020 10:53 PM
138 Comments
Quote from isekii View quoted comment :
Has anyone confirmed you can re-do this again and get the 2500 credit or is this a one time deal?
I was told by better you can do it again.
Apr 2, 2020 11:03 PM
567 Comments
Joined Oct 2007
voltazpartaApr 2, 2020 11:03 PM
567 Comments
ayy! So, here is my situation! My lock date is April 10th. I have been waiting for title for the last 3 weeks. Nothing, yet. Better said not to worry that they will extend lock rate for me. Has this happened to anyone else? I didn't shop around for title company because I didn't want the extra hassle and I wouldn't know where to start shopping around.
Last edited by voltazparta April 2, 2020 at 04:08 PM.

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Apr 2, 2020 11:24 PM
824 Comments
Joined Nov 2006
MrBean411Apr 2, 2020 11:24 PM
824 Comments
Just started my refinance application to look for 15 year rates and seeing 3.625 with no points. How are you guys locking such a low rate? FYI - 760+ credit score, and 60% value/loan ratio.

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