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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297k loan
at .6% points (about $1800)
15yr @2.875
matched and dropped 1k more off.
Appraisal is scheduled for tomorrow, which seems really quick (72 hrs after application)
Are there 0 fees or costs if I deicde to wait and see where rates go? I know i can likely float down if they drop in the next few weeks...
Thoughts? How long is the whole process running from app to closing?
297k loan
at .6% points (about $1800)
15yr @2.875
matched and dropped 1k more off.
Appraisal is scheduled for tomorrow, which seems really quick (72 hrs after application)
Are there 0 fees or costs if I deicde to wait and see where rates go? I know i can likely float down if they drop in the next few weeks...
Thoughts? How long is the whole process running from app to closing?
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Sign into your AmEx account. then click on the offers tab. You may have to click on view all offers and then search for the offer from better.com.
Edit: the day after funding, i also received a generic email from them confirming to expect my credit still:
"Congratulations on funding your loan! You can expect your American Express® statement credit to be applied to your account within 8-12 weeks.
To check eligibility requirements, you can review the terms at the bottom of the offer landing page or call the number on the back of your credit card.
Thanks again for working with Better.com!"
Better waives appraisal depending on your credit score and the LTV ratio (thats what the concierge told me). Me and my wife have our credit scores in the high 700s and our LTV is around 65%. Appraisal was waived for us.
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Current is $440k financed at 35 yrs fixed @ 4%. Zillow guesstimate is $600k
My credit score is around 750. However, no PMI and escrow is built into the monthly mortgage payment.