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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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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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May 12, 2020 3:28 PM
1K Comments
Joined Mar 2019
CycloneFWMay 12, 2020 3:28 PM
1K Comments
I'm not sure I quite follow. Instead of updating the payoff, they reduced the loan amount. So that would mean you aren't financing (part of) the closing costs. So unless you wanted to finance the closing costs, reducing the loan amount sounds correct to me.

In my case, my May payment reduced the payoff about $200 and they reduced the loan amount accordingly.

Either way, I hope you hear from them soon!
May 12, 2020 3:41 PM
607 Comments
Joined Dec 2013
cdancer20May 12, 2020 3:41 PM
607 Comments
Quote from CycloneFW View quoted comment :
I'm not sure I quite follow. Instead of updating the payoff, they reduced the loan amount. So that would mean you aren't financing (part of) the closing costs. So unless you wanted to finance the closing costs, reducing the loan amount sounds correct to me.

In my case, my May payment reduced the payoff about $200 and they reduced the loan amount accordingly.

Either way, I hope you hear from them soon!
Not quite. Instead of decreasing the payoff amount, they increased the loan amount.
Example: Previous payoff amount: $505k, Loan Requested: $475k.
I paid $25k so new balance is $475k + interest
They changed: Previous payoff amount: $505k, Loan Requested: $480k
May 12, 2020 3:44 PM
1K Comments
Joined Mar 2019
CycloneFWMay 12, 2020 3:44 PM
1K Comments
Quote from cdancer20 View quoted comment :
Not quite. Instead of decreasing the payoff amount, they increased the loan amount.
Example: Previous payoff amount: $505k, Loan Requested: $475k.
I paid $25k so new balance is $475k + interest
They changed: Previous payoff amount: $505k, Loan Requested: $480k
Ahh. That makes a big difference. I see I assumed, incorrectly, that the loan amount decreased. Yes, I would definitely reach out to get that fixed.
Pro
May 12, 2020 3:45 PM
169 Comments
Joined Nov 2015
rtw07
Pro
May 12, 2020 3:45 PM
169 Comments
For those wondering, I closed on a refinance at the end of January. They said I would be eligible for the $2500 credit if I were to refinance again.
May 12, 2020 4:29 PM
607 Comments
Joined Dec 2013
cdancer20May 12, 2020 4:29 PM
607 Comments
Quote from CycloneFW View quoted comment :
Ahh. That makes a big difference. I see I assumed, incorrectly, that the loan amount decreased. Yes, I would definitely reach out to get that fixed.
Thanks. I did and they fixed it back to the original info. (Payoff $505k). When I asked why was it changed? I was told that it was due to the payoff. I haven't heard anything else in over 24 hours nor has the LE payoff been decreased.
May 12, 2020 5:43 PM
1K Comments
Joined Mar 2019
CycloneFWMay 12, 2020 5:43 PM
1K Comments
Quote from cdancer20 View quoted comment :
Thanks. I did and they fixed it back to the original info. (Payoff $505k). When I asked why was it changed? I was told that it was due to the payoff. I haven't heard anything else in over 24 hours nor has the LE payoff been decreased.
Check the overview page Closing Costs tab. Do those numbers match what is on your LE when you pull it up? I noticed that when my initial closing disclosures were being prepared, that my Closing Costs number updated, but my LE doesn't. When my ICD finally came out, it matched what was on the tab and my LE was never updated.
May 12, 2020 8:58 PM
707 Comments
Joined Dec 2013
duastoMay 12, 2020 8:58 PM
707 Comments
My refinance loan are scheduled to be funded today .... It's already 2pm here and still no words .... Am I suppose to be worry? Not sure what will happened if the funds didn't go thru.

Update:
My loan just got funded .... Am I done? Like Do I have to still talk to Better.com or need for them to do anything?
Last edited by duasto May 12, 2020 at 04:32 PM.

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May 12, 2020 11:08 PM
6.7K Comments
Joined Dec 2010
blukingMay 12, 2020 11:08 PM
6.7K Comments
Closed today, took about 30 mins.

How long do i realistically have to wire transfer the money? Docs say 1 day, but dont i have 3 days to cancel? Any payment made at this point is non refundable correct?
May 12, 2020 11:11 PM
318 Comments
Joined Aug 2011
whappendMay 12, 2020 11:11 PM
318 Comments
Quote from bluking View quoted comment :
Closed today, took about 30 mins.

How long do i realistically have to wire transfer the money? Docs say 1 day, but dont i have 3 days to cancel? Any payment made at this point is non refundable correct?
Needs to be done before the funding date.
May 13, 2020 12:25 AM
2.1K Comments
Joined Feb 2004
jbn8May 13, 2020 12:25 AM
2.1K Comments
In order to get the $1,000 match guarantee through Better, do I have to submit a complete application on Better?
May 13, 2020 5:34 AM
182 Comments
Joined Aug 2006
CliqMay 13, 2020 5:34 AM
182 Comments
15 days.. still reviewing my documents... haven't inputted my amex details yet...
May 13, 2020 1:45 PM
607 Comments
Joined Dec 2013
cdancer20May 13, 2020 1:45 PM
607 Comments
Quote from jbn8 View quoted comment :
In order to get the $1,000 match guarantee through Better, do I have to submit a complete application on Better?
I believe so. Otherwise, they don't have anything to compare to. Note that you don't do a hard pull until after you rate lock with Better.
May 13, 2020 1:53 PM
1K Comments
Joined Mar 2019
CycloneFWMay 13, 2020 1:53 PM
1K Comments
Quote from Cliq View quoted comment :
15 days.. still reviewing my documents... haven't inputted my amex details yet...
In my case, the Closing Expert was the one that added it to my task list, and he wasn't involved until after the processing expert was finished.
May 13, 2020 1:56 PM
552 Comments
Joined Nov 2008
compperMay 13, 2020 1:56 PM
552 Comments
Anyone have any suggestions on where to get a competing offer from for a 20 year loan in FL?

Sofi has good rates but they don't offer 20 year loans (say they will in about a month or so).

I've tried Loan Depot, Sebonic (decent but not the best), Amerisave, Costco (referred to Mutual of Ohama which did a bait/switch with the rates - don't deal with Luis Lowe).

Thanks

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May 13, 2020 2:22 PM
50 Comments
Joined Nov 2019
ShrewdCrib315May 13, 2020 2:22 PM
50 Comments
Closed on my loan April 9th and received my credit today, back dated to April 20th for some reason. I just paid off my card Monday so almost the entirety of the credit is sitting as a negative balance right now. Anybody know if I can go to an atm and cash advance that money out?

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