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expiredGreenworld123 posted Dec 08, 2019 02:27 PM
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expiredGreenworld123 posted Dec 08, 2019 02:27 PM

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 18, 2020 07:11 PM
449 Posts
Joined Jul 2010
asifali418May 18, 2020 07:11 PM
449 Posts
So we get estimates from some one else and than match the estimate with better
May 18, 2020 07:11 PM
416 Posts
Joined Dec 2005
MethodmanMay 18, 2020 07:11 PM
416 Posts
I used a LE from Owning and had Better match the rate and beat it with additional $1000 in lender credits. Locked the rate at 3.375% earlier this month. Mine is a jumbo loan in CA at ~$560K. These recent comments about 3% and 3.125% make me think I should go get another LE. Do you know if Better will match another LE after the rates have been locked? Are there any suggested lenders giving those rates that would give a LE without a full application and credit pull? TIA.
May 18, 2020 07:11 PM
449 Posts
Joined Jul 2010
asifali418May 18, 2020 07:11 PM
449 Posts
Quote from mrwhitewalker :
Not OP but right on their front page.

https://www.owning.com/

It was 2.5 yesterday now its 2.625
Oh so U doing this to some other website not better
Last edited by asifali418 May 18, 2020 at 12:14 PM.
May 18, 2020 07:16 PM
3,309 Posts
Joined Nov 2013
mrwhitewalkerMay 18, 2020 07:16 PM
3,309 Posts
Quote from asifali418 :
Oh so U doing this to some other website not better
Correct, better has a policy that they will give you $1000 if they cannot match a competitors offer. You get this after you close with the other lender, not better.

OR

They will match the rate of a competitor and beat their costs by at least a $1000, this would be best case scenario. You get the best rate, lower costs or credits on top. PLUS the AMEX Credit.
Quote from asifali418 :
So we get estimates from some one else and than match the estimate with better
See above.
May 18, 2020 07:19 PM
449 Posts
Joined Jul 2010
asifali418May 18, 2020 07:19 PM
449 Posts
Quote from mrwhitewalker :
Correct, better has a policy that they will give you $1000 if they cannot match a competitors offer. You get this after you close with the other lender, not better.

OR

They will match the rate of a competitor and beat their costs by at least a $1000, this would be best case scenario. You get the best rate, lower costs or credits on top. PLUS the AMEX Credit.

See above.
Ok so I should get estimate first and than show them proof so they match the price
May 18, 2020 07:24 PM
1,897 Posts
Joined Feb 2006
indymaleMay 18, 2020 07:24 PM
1,897 Posts
Quote from Methodman :
I used a LE from Owning and had Better match the rate and beat it with additional $1000 in lender credits. Locked the rate at 3.375% earlier this month. Mine is a jumbo loan in CA at ~$560K. These recent comments about 3% and 3.125% make me think I should go get another LE. Do you know if Better will match another LE after the rates have been locked? Are there any suggested lenders giving those rates that would give a LE without a full application and credit pull? TIA.
After you lock, better will only do a free floatdown....meaning if the rate went down by .25 or lower. I tried after I locked for 3.375 and it never went down till after I closed.
I know a couple of others suggested the same, but locking the rate was not the best for me since I could have kept it open and had better match the lower rate.
Pro
May 18, 2020 07:27 PM
1,531 Posts
Joined Jun 2013
boofat
Pro
May 18, 2020 07:27 PM
1,531 Posts
Quote from asifali418 :
Ok so I should get estimate first and than show them proof so they match the price
Suggest individuals get quotes from multiple lenders as the impact on your credit score is the same as long as all the inquiries are done within a certain timeframe, typically 14-45 days. Cast a wide net and ensure the best deal. I personally shopped a local broker, two local banks, a local credit union and Quicken. In the end went with Better after they beat my best offer from those. Good luck and stay healthy.

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May 18, 2020 07:32 PM
68 Posts
Joined Dec 2007
jerseybenMay 18, 2020 07:32 PM
68 Posts
Can confirm, closed on Apr 2. Just got the $2500 credit on May 15. A coworker did the Better price match guarantee. Better couldn't beat his deal. He closed a few weeks ago and got his $1000 check on May 10.
May 18, 2020 07:37 PM
68 Posts
Joined Dec 2007
jerseybenMay 18, 2020 07:37 PM
68 Posts
Quote from jrlcopy :
Ugh same. I rate them 0/10 on their ability to reply to emails. 10/10 on their ability to send out pre-written automated emails. And then annoyance when you call them and they immediately pick up. So they def aren't busy. They've got the excuses though, 'in a meeting' 'oh they are sick' [Ed. for 2 weeks?]? lol

Seems you just need to stay on top of them.

Yeah still they gave me a great rate at a great price + $2500, so beat all the offers. Lets see if they redeem themselves for future deals or if they just end up being a pain in my ***. lol
I concur. The overall experience dealing with them is not for the feint of heart... you need to ask questions and stay on top of them. Surprisingly, texting them or emailing them was very effective. The number 1 "issue" that the company needs to improve is clarity in explaining closing instructions. After reading nearly this entire thread, it appears many others were also confused and left guessing as to specific closing instructions. You just sort of say a little prayer and hope it all works out. Thankfully it did. Good luck to anyone who takes this deal, but it is absolutely worth it. Probably one of the top 10 most slick deals I have ever seen.
May 18, 2020 07:38 PM
1,007 Posts
Joined Mar 2019
CycloneFWMay 18, 2020 07:38 PM
1,007 Posts
Quote from psmoove :
You have to go through the application process where you put in personal info, and they do a soft pull. After that, they send you an e-disclosure package with the loan estimate in it.
Just a note that this process didn't result in a soft pull for me, but a hard pull from all three bureaus. Just food for thought as it seems YMMV.
May 18, 2020 07:39 PM
25 Posts
Joined Jan 2015
monsterjunkieMay 18, 2020 07:39 PM
25 Posts
Unfortunately I live in PA where real estate is not seen as non-essential. I wish I could refinance out of my crappy mortgage, but for now I'm in a holding pattern. Sad I couldn't get in on this $2,500 credit.
1
May 18, 2020 08:04 PM
606 Posts
Joined Dec 2013
cdancer20May 18, 2020 08:04 PM
606 Posts
Quote from monsterjunkie :
Unfortunately I live in PA where real estate is not seen as non-essential. I wish I could refinance out of my crappy mortgage, but for now I'm in a holding pattern. Sad I couldn't get in on this $2,500 credit.
Can you elaborate on this? So you can't apply to refinance your loan b/c it's considered non-essential during Covid? That includes online banks?
May 18, 2020 08:19 PM
1,608 Posts
Joined Dec 2005
larcielMay 18, 2020 08:19 PM
1,608 Posts
Quote from luniz97 :
I used an agent in California got 3.125 with 0 points, I also did mine a month too early. Rates have dropped then. I figured 3.125 for 30 year fixed super jumbo loan was good, then rates dropped again!
a month ago at that rate is very nice

I just got 3% with 0 point​
May 18, 2020 08:59 PM
182 Posts
Joined Aug 2006
CliqMay 18, 2020 08:59 PM
182 Posts
Quote from Methodman :
I used a LE from Owning and had Better match the rate and beat it with additional $1000 in lender credits. Locked the rate at 3.375% earlier this month. Mine is a jumbo loan in CA at ~$560K. These recent comments about 3% and 3.125% make me think I should go get another LE. Do you know if Better will match another LE after the rates have been locked? Are there any suggested lenders giving those rates that would give a LE without a full application and credit pull? TIA.
Yes,

I am 4 days from closing and they required official estimate from other lender.

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May 18, 2020 09:06 PM
416 Posts
Joined Dec 2005
MethodmanMay 18, 2020 09:06 PM
416 Posts
Quote from Cliq :
Yes,

I am 4 days from closing and they required official estimate from other lender.
Did you already lock your rate with Better and they're willing to match again before closing?

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