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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
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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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May 7, 2020
755 Posts
Joined Oct 2007
May 7, 2020
swine
May 7, 2020
755 Posts
The better loan estimate has an item 'Title-Endorsements' right now. I didn't see this item in my previous saved loan estimate back in March!

The Title-Endorsements is quote $150 in section C.
May 7, 2020
606 Posts
Joined Dec 2013
May 7, 2020
cdancer20
May 7, 2020
606 Posts
Quote from bluking :
How do i go about shopping for title services? Better is currently quoting me 1090 for those services but am thinking ill save a bit if i shop around. Never done it before tho.
Just Google title companies in your area. As someone else stated some fees are the same regardless of where you go. For example in my state, lender's title and recording fees are always the same. However, companies choose the agent fee and can charge more than the standard on endorsements. For example, here the endorsements start at $25. I had 3 companies charge $25, $35, and $50 respectively. Some will try to beat others too so will price match the agent settlement fee.
May 7, 2020
606 Posts
Joined Dec 2013
May 7, 2020
cdancer20
May 7, 2020
606 Posts
Quote from swine :
The better loan estimate has an item 'Title-Endorsements' right now. I didn't see this item in my previous saved loan estimate back in March!

The Title-Endorsements is quote $150 in section C.
They may not have known all the endorsements at the time. I know that for me, I have to add an additional endorsement because my community has an HOA.
May 7, 2020
207 Posts
Joined Sep 2009
May 7, 2020
Oliade677
May 7, 2020
207 Posts
Sorry, I have not been following closely. I refinanced back in the beginning of February. Are people refinancing again and receiving the same offer? Is it on the same credit card? If I can cut my rate a bit more, skip another payment, and pocket $2,500 credit, I'll gladly jump through the hoops.
May 7, 2020
9 Posts
Joined Mar 2011
May 7, 2020
godiegogo
May 7, 2020
9 Posts
Did anyone try this on investment property and received the credit?
May 8, 2020
173 Posts
Joined Nov 2016
May 8, 2020
sd72986
May 8, 2020
173 Posts
Finally received $2,500 credit today. Closed 2/29. Not originally targeted but ended up getting targeted email before closing after I changed my promotional email settings with AmEx.
May 8, 2020
1,419 Posts
Joined Mar 2005
May 8, 2020
Noirish
May 8, 2020
1,419 Posts
Quote from KrustyVT :
I posted this earlier in this thread - you can refi right now at owning.com [owning.com] for those exact terms - 2.75% with $0 closing costs for a 15 year $560k loan. I refi'ed with them in December and can vouch for them and their process - it's extremely quick and easy.

Note for anyone else reading - this is only for properties in CA.
CALIFORNIA people should definitely try http://owning.com.
I locked 30 yr @ 2.99%, and it is no closing cost like they advertise. Got a waiver for appraisal too.
The best I've seen from better.com so far for the same rate will still cost over $5000 after AMEX $2500 credit for the same rate.

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May 8, 2020
69 Posts
Joined Dec 2009
May 8, 2020
dealshunter09
May 8, 2020
69 Posts
Why not have better match owning offer and get $2500 amex on top of that
May 8, 2020
81 Posts
Joined Nov 2004
May 8, 2020
Fugazi
May 8, 2020
81 Posts
Quote from Noirish :
CALIFORNIA people should definitely try http://owning.com.
I locked 30 yr @ 2.99%, and it is no closing cost like they advertise. Got a waiver for appraisal too.
The best I've seen from better.com so far for the same rate will still cost over $5000 after AMEX $2500 credit for the same rate.
Better will beat their offer by $1000, and then you get the $2500 AMEX bonus on top. I was with Owning originally, and Better met their rate, gave me $1k cash back at closing, and I got the $2.5k AMEX offer.
May 8, 2020
550 Posts
Joined Sep 2009
May 8, 2020
mamakat
May 8, 2020
550 Posts
Hi I've read mostly through this thread but don't see this question (maybe it's stupid!) -do you think it would be possible to hurry up and get an AMEX card in order to get this deal? I would like to refinance with a lower rate.
May 8, 2020
550 Posts
Joined Sep 2009
May 8, 2020
mamakat
May 8, 2020
550 Posts
Quote from Noirish :
CALIFORNIA people should definitely try http://owning.com.
I locked 30 yr @ 2.99%, and it is no closing cost like they advertise. Got a waiver for appraisal too.
The best I've seen from better.com so far for the same rate will still cost over $5000 after AMEX $2500 credit for the same rate.
I just spoke with owning - they're adding a point to loans under 300k so right now it's 3.99 for less than 300k. Uggh
May 8, 2020
707 Posts
Joined Dec 2013
May 8, 2020
duasto
May 8, 2020
707 Posts
Just finished signing the closing with notary. Did it on my backyard with all parties wearing mask and gloves.

We did a hybrid signing so most of them are om docusigns and some in person.

Took 15-20mins
May 8, 2020
21 Posts
Joined Mar 2014
May 8, 2020
tearfromred
May 8, 2020
21 Posts
Quote from dealmaestro10 :
Better should be able to offer that, they offered me that the first time I applied.

Are you buying points? I was nowhere close to that rate on a 15 year with 780+ credit score and more than 55% LTV.
Last edited by tearfromred May 7, 2020 at 10:22 PM.
May 8, 2020
1,419 Posts
Joined Mar 2005
May 8, 2020
Noirish
May 8, 2020
1,419 Posts
Quote from Fugazi :
Better will beat their offer by $1000, and then you get the $2500 AMEX bonus on top. I was with Owning originally, and Better met their rate, gave me $1k cash back at closing, and I got the $2.5k AMEX offer.
Reading some posts, they don't always try to match and beat. In my case, 3% from better.com has closing cost of $10331 + $1360 third party fee. So to beat Owning, they need to absorb all that cost plus giving me $1000 plus AMEX credit. It will be nice to get all that, but it's a little late for me now...

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May 8, 2020
1,005 Posts
Joined Mar 2019
May 8, 2020
CycloneFW
May 8, 2020
1,005 Posts
Quote from Noirish :
Reading some posts, they don't always try to match and beat. In my case, 3% from better.com has closing cost of $10331 + $1360 third party fee. So to beat Owning, they need to absorb all that cost plus giving me $1000 plus AMEX credit. It will be nice to get all that, but it's a little late for me now...
Yup. In my case they didn't even meet my competing lender. However, they got close enough that I'm coming out ahead with the Amex credit and thus, moved forward with them.

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