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

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

American Express Giftcards
9,848 Comments 1,321,780 Views
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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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9,848 Comments

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Apr 6, 2020
2,215 Posts
Joined Jun 2009
Apr 6, 2020
firefox15
Apr 6, 2020
2,215 Posts
Quote from Nailer :
try this

Code:
https://www.americanexpress.com/us/campaigns/loans/better/?intlink=USCS-BetterHomeLending-OfferHub2
Thanks, that worked. Better cancelled my application since I didn't lock within 30 days (which is literally all their fault as they simply do not respond to emails), so I get to try it again.
Apr 6, 2020
72 Posts
Joined Sep 2013
Apr 6, 2020
ssrajdeals
Apr 6, 2020
72 Posts
Better.com rates have been high compared to other lenders. How are people still going with Better ? I get there is $2500 credit, it seems like a wash compared to other lenders.
Apr 6, 2020
4,361 Posts
Joined Jun 2005
Apr 6, 2020
hacklovemaster
Apr 6, 2020
4,361 Posts
Quote from ssrajdeals :
Better.com rates have been high compared to other lenders. How are people still going with Better ? I get there is $2500 credit, it seems like a wash compared to other lenders.
Because they also price match and beat the other by $1000. You are looking for $3500 cheaper vs other lender after 2500 Amex credit. ^.^
Apr 6, 2020
263 Posts
Joined Apr 2009
Apr 6, 2020
jdavid
Apr 6, 2020
263 Posts
Interestingly my person told me at Better that if I was taking advantage of the Amex offer, I couldn't also get the $1,000. Seems like that was BS?
Apr 6, 2020
3,686 Posts
Joined Jul 2012
Apr 6, 2020
MilesHunter
Apr 6, 2020
3,686 Posts
Quote from BlakeK :
What do you mean? Locked last week 3.125 with 1800 lender credit
You should have a float down policy. If the FRED rate changes by .25 or more they would float you down to 3% for the same price.
Apr 6, 2020
281 Posts
Joined Mar 2010
Apr 6, 2020
hungiema
Apr 6, 2020
281 Posts
i just locked in at 3%(3.04apr) today with a small point fee. i gues its not bad, but im sure someone can do better. but 3% is not too shabby!
Apr 6, 2020
292 Posts
Joined Jan 2012
Apr 6, 2020
euuser1729834
Apr 6, 2020
292 Posts
Do you know how much does it cost -the processing fee ? If AMEX is credting 2500, then Better.com is more likely charging you 5K. My credit union charge $600 processing fee.

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Apr 6, 2020
3 Posts
Joined Nov 2019
Apr 6, 2020
VioletCrow5959
Apr 6, 2020
3 Posts
Quote from hungiema :
i just locked in at 3%(3.04apr) today with a small point fee. i gues its not bad, but im sure someone can do better. but 3% is not too shabby!
What were the fees?
Apr 6, 2020
281 Posts
Joined Mar 2010
Apr 6, 2020
hungiema
Apr 6, 2020
281 Posts
1000 in pts
and about 2200 in title fees
Apr 6, 2020
3 Posts
Joined Nov 2019
Apr 6, 2020
VioletCrow5959
Apr 6, 2020
3 Posts
Quote from hungiema :
1000 in pts
and about 2200 in title fees
Thank you! Was better beating a rate you found with another mortgage company because their advertised rates are much higher?
Apr 6, 2020
281 Posts
Joined Mar 2010
Apr 6, 2020
hungiema
Apr 6, 2020
281 Posts
Quote from VioletCrow5959 :
Thank you! Was better beating a rate you found with another mortgage company because their advertised rates are much higher?
ooh yea, sorry i missed a important detail. I actually got a loan estimate from so-fi first and better was able to beat it. but i still say the title fees are a little high. so im going to go back to so-fi and see if they can beat better. if they can, then ill take that estimate back to better, and see if they can beat it!
Apr 6, 2020
81 Posts
Joined Nov 2004
Apr 6, 2020
Fugazi
Apr 6, 2020
81 Posts
Locked a 2.875% 15 year today.
Zero points.
$2k+ lender credit
$1049 cash to close, but $1554 is going into my escrow account
Now just gotta wait to close and wait for the Amex credit to post!
Apr 6, 2020
72 Posts
Joined Sep 2013
Apr 6, 2020
ssrajdeals
Apr 6, 2020
72 Posts
Quote from Fugazi :
Locked a 2.875% 15 year today.
Zero points.
$2k+ lender credit
$1049 cash to close, but $1554 is going into my escrow account
Now just gotta wait to close and wait for the Amex credit to post!
Their advertised rates are way higher. How did you manage to lock at 2.875%
Apr 6, 2020
81 Posts
Joined Nov 2004
Apr 6, 2020
Fugazi
Apr 6, 2020
81 Posts
Quote from ssrajdeals :
Their advertised rates are way higher. How did you manage to lock at 2.875%
Shopped around first, got a good estimate from Owning Mortgage (California only unfortunately), and used Better's price match. They beat my previous estimate by $700+.

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Apr 7, 2020
72 Posts
Joined Sep 2013
Apr 7, 2020
ssrajdeals
Apr 7, 2020
72 Posts
Quote from Fugazi :
Shopped around first, got a good estimate from Owning Mortgage (California only unfortunately), and used Better's price match. They beat my previous estimate by $700+.
My rep said he couldn't price match. I live in OH and my mortgage amount is less than 150k. Rep said he can't given the amount of loan.

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