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expired Posted by Greenworld123 • Dec 8, 2019
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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.
Community Notes
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 8, 2020
908 Posts
Joined Nov 2011
May 8, 2020
turbunatorcf
May 8, 2020
908 Posts
For me better.com just said they can't get anywhere close to competing rate. And as my loan is $630K this amount falls outside the window of their price beat (or what ever) guarantee by $1000.
May 8, 2020
351 Posts
Joined May 2005
May 8, 2020
KrustyVT
May 8, 2020
351 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...
Also, every day that you're messing around with Better trying to get them to match/beat is another day that you're paying interest on your original loan at the higher interest rate.

I thought about trying to get Better to match, and then quickly decided to just move forward with Owning to get this process finished ... and closed in about 18 days from start to finish.
Pro
May 8, 2020
6,739 Posts
Joined Dec 2010
May 8, 2020
bluking
Pro
May 8, 2020
6,739 Posts
just got my closing disclosure, i see a line item for aggregate adjustment for fees, does anyone know what this includes? also my mortgage payoff quote is lower compared to the loan amount that better has, is that an issue and will it change during closing?
May 8, 2020
25 Posts
Joined Apr 2020
May 8, 2020
wj_cm
May 8, 2020
25 Posts
Quote from bluking :
just got my closing disclosure, i see a line item for aggregate adjustment for fees, does anyone know what this includes? also my mortgage payoff quote is lower compared to the loan amount that better has, is that an issue and will it change during closing?
I don't know the answer to aggregate adjustment coz mine says Zero but I have an answer with regards to the payoff. They always put a higher payoff amount (which is probably another 15 days worth of interest). It's better to go over than risk with paying off under. You will then get a refund check from your original lender. I confirmed that with Better's closing expert, the title company i used, and also my original lender and they all said the same thing.
May 8, 2020
1,894 Posts
Joined Feb 2006
May 8, 2020
indymale
May 8, 2020
1,894 Posts
Quote from wj_cm :
I don't know the answer to aggregate adjustment coz mine says Zero but I have an answer with regards to the payoff. They always put a higher payoff amount (which is probably another 15 days worth of interest). It's better to go over than risk with paying off under. You will then get a refund check from your original lender. I confirmed that with Better's closing expert, the title company i used, and also my original lender and they all said the same thing.
The same issue I saw, where my remaining loan was 382k and payoff was 385k.
Just like what the person above is saying, I was assured that this is to cover anything extra and that I will get a check eventually once they settle everything if there a balance.
I'm closing Monday.
May 8, 2020
2,502 Posts
Joined Mar 2008
May 8, 2020
isekii
May 8, 2020
2,502 Posts
Quote from mamakat :
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
Can't you cash out to go over the 300k mark ?
May 8, 2020
351 Posts
Joined Aug 2013
May 8, 2020
Alex8919
May 8, 2020
351 Posts
Quote from indymale :
The same issue I saw, where my remaining loan was 382k and payoff was 385k.
Just like what the person above is saying, I was assured that this is to cover anything extra and that I will get a check eventually once they settle everything if there a balance.
I'm closing Monday.
I had extra $1000 after payoff principal, they charged one month and four days interest, the remain went to escrow account.

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May 8, 2020
3,204 Posts
Joined Feb 2004
May 8, 2020
mnsweeps
May 8, 2020
3,204 Posts
The way the economy is heading and the jobless numbers extremely high , do you guys think the rates would go down furthur?
May 8, 2020
2,057 Posts
Joined Feb 2004
May 8, 2020
jbn8
May 8, 2020
2,057 Posts
I used Costco, and they had lower rates (than Better) from Strong and Mutual of Omaha. What other outlets are you using to get rates for Better to match? Do you go through the full application process on competitor sites to get an estimate for Better to match?
May 8, 2020
755 Posts
Joined Oct 2007
May 8, 2020
swine
May 8, 2020
755 Posts
Quote from jbn8 :
I used Costco, and they had lower rates (than Better) from Strong and Mutual of Omaha. What other outlets are you using to get rates for Better to match? Do you go through the full application process on competitor sites to get an estimate for Better to match?
Better need official loan estimate to do the match...
May 8, 2020
76 Posts
Joined Aug 2006
May 8, 2020
MysteryManMu
May 8, 2020
76 Posts
What do you guys think of a cash out refinance at 3.25 for 20 years? This is after they slightly beat a credit union in fees and even includes a bit of points also.
May 8, 2020
606 Posts
Joined Dec 2013
May 8, 2020
cdancer20
May 8, 2020
606 Posts
Quote from jbn8 :
I used Costco, and they had lower rates (than Better) from Strong and Mutual of Omaha. What other outlets are you using to get rates for Better to match? Do you go through the full application process on competitor sites to get an estimate for Better to match?
I used Costco and they had the second best offer. The best came from Lender fi. They beat the Costco company (idr the company) by $1000 but only matched to Lender Fi. a few thousand less than their own quoted rated.
May 8, 2020
3,275 Posts
Joined Feb 2014
May 8, 2020
iuku
May 8, 2020
3,275 Posts
Quote from jbn8 :
I used Costco, and they had lower rates (than Better) from Strong and Mutual of Omaha. What other outlets are you using to get rates for Better to match? Do you go through the full application process on competitor sites to get an estimate for Better to match?
mutual of Omaha did not give LE without application. Some lender through costco will give you quote without app, e.g. NBKC bank.
In any case make sure to get the LE to better within a day to beat it per their better price guarantee term.
May 8, 2020
415 Posts
Joined Dec 2005
May 8, 2020
Methodman
May 8, 2020
415 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.
Are you sure this was $0 closing costs? Based on your comments, I went ahead and applied with them. Over the phone the advisor kept telling me this would be a free loan, no closing costs, no one else does this, etc. Once I got my loan estimate, I noticed that he raised my loan amount to almost $2000 more than my actual payoff amount. The loan estimate actually says that the closing costs are being covered by the loan. How is that free if I'm borrowing money to cover the closing costs? In any case, I also sent the LE to better.com to see if they could do....better.
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May 8, 2020
755 Posts
Joined Oct 2007
May 8, 2020
swine
May 8, 2020
755 Posts
Yeah, some agents just tell you it is a 0 point 0 fee loan and load the cost into the loan amount! Several times different lenders!!!

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