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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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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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Apr 02, 2020 05:16 PM
223 Posts
Joined Nov 2011
cheegeeApr 02, 2020 05:16 PM
223 Posts
Quote from diavolo33 :
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 02, 2020 05:53 PM
8,437 Posts
Joined May 2007
diavolo33Apr 02, 2020 05:53 PM
8,437 Posts
Quote from cheegee :
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 02, 2020 07:50 PM
264 Posts
Joined Dec 2004
robdlsApr 02, 2020 07:50 PM
264 Posts
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 02, 2020 08:00 PM
1,447 Posts
Joined Jul 2008
svinokotApr 02, 2020 08:00 PM
1,447 Posts
Quote from cheegee :
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 02, 2020 08:20 PM
702 Posts
Joined Oct 2011
d3alsoffortuneApr 02, 2020 08:20 PM
702 Posts
Quote from robdls :
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 02, 2020 08:39 PM
263 Posts
Joined Apr 2009
jdavidApr 02, 2020 08:39 PM
263 Posts
Quote from w3bCraw1er :
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 02, 2020 09:14 PM
264 Posts
Joined Dec 2004
robdlsApr 02, 2020 09:14 PM
264 Posts
Quote from jdavid :
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 02, 2020 09:30 PM
10,762 Posts
Joined Nov 2010
youra6Apr 02, 2020 09:30 PM
10,762 Posts
Quote from jdavid :
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 02, 2020 10:17 PM
263 Posts
Joined Apr 2009
jdavidApr 02, 2020 10:17 PM
263 Posts
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 :
What are the loan costs? Any lender credit?
Apr 02, 2020 10:23 PM
1,285 Posts
Joined Feb 2006
mZimmApr 02, 2020 10:23 PM
1,285 Posts
Quote from svinokot :
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 02, 2020 10:39 PM
2,507 Posts
Joined Mar 2008
isekiiApr 02, 2020 10:39 PM
2,507 Posts
Has anyone confirmed you can re-do this again and get the 2500 credit or is this a one time deal?
Apr 02, 2020 10:52 PM
820 Posts
Joined Nov 2006
MrBean411Apr 02, 2020 10:52 PM
820 Posts
Why isn't there a wiki on this thread? would be nice to update with links and updated information.
Apr 02, 2020 10:53 PM
138 Posts
Joined Sep 2009
rwerns21Apr 02, 2020 10:53 PM
138 Posts
Quote from isekii :
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 02, 2020 11:03 PM
562 Posts
Joined Oct 2007
voltazpartaApr 02, 2020 11:03 PM
562 Posts
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 02, 2020 11:24 PM
820 Posts
Joined Nov 2006
MrBean411Apr 02, 2020 11:24 PM
820 Posts
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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