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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 20, 2020 9:14 PM
3.3K Comments
Joined Feb 2014
iukuApr 20, 2020 9:14 PM
3.3K Comments
Anyone got better rates for rental property in NC. I am getting 4.5 and above
Apr 21, 2020 12:42 AM
719 Comments
Joined Oct 2011
d3alsoffortuneApr 21, 2020 12:42 AM
719 Comments
I have been checking to refinance for a long time but all lenders have colluded and decided to jack up the rates. Can't see anything below 3.5% since Fed dropped the lending rates to 0%.
Apr 21, 2020 2:52 AM
212 Comments
Joined Dec 2006
volkl23Apr 21, 2020 2:52 AM
212 Comments
Quote from w3bCraw1er View quoted comment :
I have been checking to refinance for a long time but all lenders have colluded and decided to jack up the rates. Can't see anything below 3.5% since Fed dropped the lending rates to 0%.
The Fed dropping the rates to 0 have no bearing on mortgage rates.
Apr 21, 2020 4:43 AM
293 Comments
Joined Mar 2010
hungiemaApr 21, 2020 4:43 AM
293 Comments
anyone on here waited longer than 12weeks and still havent gotten their credits?
im closing in on week 8, still no sign of it.
Apr 21, 2020 4:52 AM
12 Comments
Joined Mar 2018
downercowApr 21, 2020 4:52 AM
12 Comments
I apologize if this has already been asked, but is there any penalty for taking this bonus and after a month or two refinancing with a different lender that has a superior rate? Asking for a friend...
Apr 21, 2020 1:22 PM
7.7K Comments
Joined Sep 2008
DogAndPonyApr 21, 2020 1:22 PM
7.7K Comments
Quote from downercow View quoted comment :
I apologize if this has already been asked, but is there any penalty for taking this bonus and after a month or two refinancing with a different lender that has a superior rate? Asking for a friend...
No penalty. I'd probably wait to get the statement credit just to be safe, but this has been discussed in this topic already.
Apr 21, 2020 1:50 PM
55 Comments
Joined Nov 2006
WaddlepussApr 21, 2020 1:50 PM
55 Comments
Quote from hungiema View quoted comment :
anyone on here waited longer than 12weeks and still havent gotten their credits?
im closing in on week 8, still no sign of it.
I'm at week 7 after funding. Sold to provident funding around 4/1 but had to make a payment to TMS before they'd transfer. No credit to amex yet.

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Apr 21, 2020 2:04 PM
575 Comments
Joined Oct 2013
m0nkeym8nApr 21, 2020 2:04 PM
575 Comments
Not sure if this has been answered in all of these pages.

But - if i locked in a rate and all they did was match my competitors offer, can i tell them about "i thought you were suppose to beat it by 1000?" or is it too late?
Apr 21, 2020 2:48 PM
293 Comments
Joined Mar 2010
hungiemaApr 21, 2020 2:48 PM
293 Comments
Quote from dmistretta View quoted comment :
I'm at week 7 after funding. Sold to provident funding around 4/1 but had to make a payment to TMS before they'd transfer. No credit to amex yet.
im pretty much on the same boat as you. let me know when you do get it! i contacted amex about my card, it is eligible, but i used OPs link back then and never got the email. crossing my fingers.
Apr 21, 2020 3:01 PM
575 Comments
Joined Oct 2013
m0nkeym8nApr 21, 2020 3:01 PM
575 Comments
Can anyone confirm who closed and receive the credit after only using the link provided by OP?
Apr 21, 2020 4:01 PM
2.6K Comments
Joined Mar 2014
RangerJayApr 21, 2020 4:01 PM
2.6K Comments
Quote from buddyle View quoted comment :
Want to thank this tread. I closed on our house today. Here is my buying experience and hope it is helpful to others. I end up with a local credit union (SSF**) in TX
Credit Score 800
House Cost $160K, Loan $128K
15Yr Conventional Loan.
Interest Rate 2.125%
APR 2.335%
D. Total Loan Cost (A+B+C) $3629.52

I started applying several mortgage company
March 1 (AI*, Bet***, Ca**2Cl***, Prov*****, S*f*, SSF**, RBF**) and
March 2 (BB**, Fair***).

Rates: Interest APR D.Total Loan Cost

Ai*: 2.875% 3.04% $4415
Better: 3.0 % 3.353% ?
Better Price match Ai* but would not match S*F* 2.5, their offer:
Better* 2.875 3.258 $4359
S*F*: 2.5 % 2.71% $4357
Ca**2Cl*** 3.25% 3.341% $3931
SSF** 2.125% 2.343% $4683
Prov***** 2.875% 3.292% $6140
Fair*** 3.25 3.4
Rates for BB** and RBF** wasn't given because either they want more documents and/or employment verification. I decided I wont get anything better than 2.125%.

Some lender sent me the official loan estimate but most gave me unofficial loan estimate. I did not realize S*f* sent me my LE when they ask you to DocuSign on 3/6. by the time I sent price match, Better refuse due to 3 days old on 3/9.

I've been watching rates daily between 3/1 to 3/20. I was fortune enough to get my lender SSF** to honor a rate I got on 3/9 a week later when rates increase. Better would not price match credit union so I decided to go with the better rate. I save more on interest compare to the 2.5K credit through better.

Lock Rate on 3/18. Sent all required documents
Conditional Approve 3/24
Appraisal 4/6
Received Closing Doc 4/13
Closing Date 4/15

If you have any question, feel free to ask or PM. Good luck everyone.
Does SSF require certain qualification to be able to apply? Thank you!
Apr 21, 2020 5:09 PM
719 Comments
Joined Oct 2011
d3alsoffortuneApr 21, 2020 5:09 PM
719 Comments
Quote from volkl23 View quoted comment :
The Fed dropping the rates to 0 have no bearing on mortgage rates.
I am not expecting 0 mortgage rates but saying there is no bearing is absolutely wrong
Apr 21, 2020 5:27 PM
643 Comments
Joined Feb 2007
techoinApr 21, 2020 5:27 PM
643 Comments
Has anyone received amex credit where email address used on better.com was different than amex account?
Apr 21, 2020 6:37 PM
2.6K Comments
Joined Feb 2008
LeaninBack916Apr 21, 2020 6:37 PM
2.6K Comments
Well Im at week 4 since funding on 3/20 and still no credit here. Im all official, got the original email for my Amex Platinum card and went through that. Confirmed with the card near closing. I haven't seen many post credits received in the past few weeks. Hopefully, they start coming in. I have until about June 20 to wait but, before, others were getting them within 2 weeks....

Maybe a cash flow thing during the COVID-19 stuff? I dont mean they have no money... i mean they are just prioritizing these as low as possible.

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Apr 21, 2020 7:24 PM
55 Comments
Joined Nov 2006
WaddlepussApr 21, 2020 7:24 PM
55 Comments
Quote from techoin View quoted comment :
Has anyone received amex credit where email address used on better.com was different than amex account?
I don't have mine yet but the terms and conditions say "name or email". I'm no lawyer but I'd say as long as one of those matches then you should be fine:
Quote :
To be eligible for the statement credit, you must continue to be an eligible Card Member from the time you receive this offer, through the closing of your mortgage, and until the statement credit is applied to your Card account. The name or email associated with your eligible Card will need to match the information in your mortgage application in order to receive the Credit.

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