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

aavi

Apr 08, 2020 01:17 AM

373 Posts

Joined Jul 2011

aaviApr 08, 2020 01:17 AM

373 Posts

Quote from gr_b

:

Is better refunding Appraisal fee or Amex? How many days after the closing you got the refund?

No fees are charged to be refunded later....

voltazparta

Apr 08, 2020 02:31 AM

562 Posts

Joined Oct 2007

voltazpartaApr 08, 2020 02:31 AM

562 Posts

Anyone close in the last couple of days or weeks? The notary is schedule to come to my house this Friday, I am a bit hesitant having someone over my home.

strawbearlyjamm

Apr 08, 2020 02:39 AM

389 Posts

Joined Dec 2007

strawbearlyjammApr 08, 2020 02:39 AM

389 Posts

Quote from aavi

:

It will certainly not. You can call them and ask them to update the file with the Amex offer. An easy way to check is to see if you are being charged for appraisal fees. If that goes away then it's linked to the Amex offer. Worst case - you can start a new application

Fantastic. Thanks! They told me on the phone they'd link to the promo, I've just dealt with lots of shady places (mostly verizon) that say things about promos that they never actually do. This seems like a solid check though.

statepkt

Apr 08, 2020 02:42 AM

208 Posts

Joined Sep 2004

statepktApr 08, 2020 02:42 AM

208 Posts

Whats the best 30 year rate people are getting now (even with points)? SoFi is giving me 2.875% but its going to cost 10pts

aavi

Apr 08, 2020 02:43 AM

373 Posts

Joined Jul 2011

aaviApr 08, 2020 02:43 AM

373 Posts

Quote from voltazparta

:

Anyone close in the last couple of days or weeks? The notary is schedule to come to my house this Friday, I am a bit hesitant having someone over my home.

Here is what you can expect or ask for from my experience:
1. New pen for signing wiped thoroughly
2. Pen stays with you after signing
3. Only material they will touch would be your ID
4. ID would be wiped and returned back
5. Can expect gloves to be worn
6. Signing can happen in your front yard or in your garage
7. If you have a Costco table then you can sit on either sides to maintain distancing
8. Masks might be recommended given new guidelines
9. Plus discuss with the notary!!

1

voltazparta

Apr 08, 2020 02:54 AM

562 Posts

Joined Oct 2007

voltazpartaApr 08, 2020 02:54 AM

562 Posts

Quote from aavi

:

Here is what you can expect or ask for from my experience:
1. New pen for signing wiped thoroughly
2. Pen stays with you after signing
3. Only material they will touch would be your ID
4. ID would be wiped and returned back
5. Can expect gloves to be worn
6. Signing can happen in your front yard or in your garage
7. If you have a Costco table then you can sit on either sides to maintain distancing
8. Masks might be recommended given new guidelines
9. Plus discuss with the notary!!

YOU ROCK! Thank you for responding and with those details. I was planning to ask them if I can sign in my covered patio outside using the foldout table. With everything going on, your response has definitely made me feel better!

runner0382

Apr 08, 2020 03:20 AM

4,386 Posts

Joined Aug 2006

runner0382Apr 08, 2020 03:20 AM

4,386 Posts

Quote from statepkt

:

Whats the best 30 year rate people are getting now (even with points)? SoFi is giving me 2.875% but its going to cost 10pts

PM me. I know a guy who beat everyone on my 30 year refi. I quoted all lenders through Costco (who have $275 underwriting fees - already unbeatable) and multiple local mortgage banks. Loan went through United Wholesale Mortgage (largest underwriter in the U.S.) at 3.25% and 0 points + $4k lender credit. At the time, Costco-linked lenders were quoting 3.625% with 0 points and no credit (for Costco lenders).Just for fun, at the very end, I called the top 10 underwriters in the U.S. and none of them could touch it. Keep in mind this was a high conforming balance condo loan which are typically worse in rate than loans for single family homes. 2.875% is way down the spread and that'll definitely cost many points anywhere.

Last edited by runner0382 April 8, 2020 at 07:09 AM.

penguincatcher

Apr 08, 2020 04:32 AM

423 Posts

Joined Aug 2009

penguincatcherApr 08, 2020 04:32 AM

423 Posts

Quote from gr_b

:

Is better refunding Appraisal fee or Amex? How many days after the closing you got the refund?

It was a credit from better.com, it took about 3 weeks before the credit showed up.

isekii

Apr 08, 2020 05:19 AM

2,507 Posts

Joined Mar 2008

isekiiApr 08, 2020 05:19 AM

2,507 Posts

Quote from runner0382

:

PM me. I know a guy who beat everyone on my 30 year refi. I quoted all lenders through Costco (who have $275 underwriting fees - already unbeatable) and multiple local mortgage banks. Loan went through Universal Wholesale Mortgage (largest underwriter in the U.S.) at 3.25% and 0 points + $4k lender credit. At the time, Costco-linked lenders were quoting 3.625% with 0 points and no credit (for Costco lenders).Just for fun, at the very end, I called the top 10 underwriters in the U.S. and none of them could touch it. 2.875% is way down the spread and that'll definitely cost many points anywhere.

Pming you

isekii

Apr 08, 2020 05:43 AM

2,507 Posts

Joined Mar 2008

isekiiApr 08, 2020 05:43 AM

2,507 Posts

Quote from Evils

:

Just used the link ...

When did you close ?

diavolo33

Apr 08, 2020 01:25 PM

8,437 Posts

Joined May 2007

diavolo33Apr 08, 2020 01:25 PM

8,437 Posts

Quote from voltazparta

:

Anyone close in the last couple of days or weeks? The notary is schedule to come to my house this Friday, I am a bit hesitant having someone over my home.

I closed last week on the final day of the lock. We did the closing on my patio. Everyone kept their distance and used their own pens, but we obviously couldn't avoid touching papers that the notary/agent had touched. I thought about putting it off, but decided to get it over with.

Last edited by diavolo33 April 8, 2020 at 06:30 AM.

firefox15

Apr 08, 2020 02:27 PM

2,215 Posts

Joined Jun 2009

firefox15Apr 08, 2020 02:27 PM

2,215 Posts

Quote from kazaa916

:

Don't know why people are having such a hard time rate matching to other companies with smaller loan amounts. Mines under 125k and I got 2.85 match 30 year from sofi.

I definitely cannot get that. I have 115k, and the very best they could do was 3.25% on a 15-year, and that was with points. That was only after I sent them a quote for 2.375, so they couldn't even come close. Really annoyed at this.

ssrajdeals

Apr 08, 2020 03:25 PM

72 Posts

Joined Sep 2013

ssrajdealsApr 08, 2020 03:25 PM

72 Posts

Quote from firefox15

:

I definitely cannot get that. I have 115k, and the very best they could do was 3.25% on a 15-year, and that was with points. That was only after I sent them a quote for 2.375, so they couldn't even come close. Really annoyed at this.

I am in the same boat, below $125k and looking for 15 years. Better can't rate match other lenders. One difference is see is other person did 30 years and we are 15 yrs. I don't know if that makes any difference but it's interesting to note rate matching doesn't work for smaller amounts.

Kapazza

Apr 08, 2020 11:58 PM

565 Posts

Joined Jan 2015

KapazzaApr 08, 2020 11:58 PM

565 Posts

Update: closed Feb 12th. Today is start of 8th week. Still no $2,500. Frown

tromboneboss

Pro

Apr 09, 2020 02:14 AM

684 Posts

Joined Aug 2010

tromboneboss

Pro

Apr 09, 2020 02:14 AM

684 Posts

Quote from firefox15

:

I definitely cannot get that. I have 115k, and the very best they could do was 3.25% on a 15-year, and that was with points. That was only after I sent them a quote for 2.375, so they couldn't even come close. Really annoyed at this.

I sent Better the same 2.375 rate on a 15 year 110k loan too. They refused to beat the offer and reneged on their $1000 guarantee. I filed a complaint with Amex over Better's false advertising and my state's financial department is looking into their tactics.

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

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