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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 21, 2020 4:35 AM
1K Comments
Joined Mar 2019
CycloneFWMay 21, 2020 4:35 AM
1K Comments
Interesting. Since I still can't register at The Money Source to see my loan, I was poking around the Better website. I noticed that if I went to the FAQ when I was logged out, I saw:
Quote from Better Servicing FAQ w/o logging in :
Better Mortgage will service your loan after it closes. During this time, payment administration and collection will be handled by our sub-servicing partner, called The Money Source (TMS).
At some point, we might transfer your loan to a permanent servicer. We have a large roster of reputable servicers and mortgage investors including major US banks, government-sponsored entities, publicly-traded mortgage companies, and specialized servicing firms. We collect third-party reviews and survey our borrowers post-transfer to ensure the permanent servicers are quality partners.
TMS will notify you if and when your loan is being transferred. In the event your loan is not transferred you will continue to make payments to TMS.
However, if I go to the same FAQ when I'm signed in, I see:
Quote from Better Servicing FAQ while logged in :
Better Mortgage will service your loan for a short period after it closes, usually about 30 days. During this time, payment administration and collection will be handled by our servicing partner, called LoanCare.
After that, we will transfer your loan to a permanent servicer. We have a large roster of reputable servicers and mortgage investors including major US banks, government-sponsored entities, publicly-traded mortgage companies, and specialized servicing firms. We collect third-party reviews and survey our borrowers post-transfer to ensure the permanent servicers are quality partners.
Interesting that the info is different and suddenly LoanCare is mentioned.

This page lists both:
https://better.com/faq/loan-servi...ent-portal
Last edited by CycloneFW May 20, 2020 at 09:39 PM.
May 21, 2020 4:55 AM
458 Comments
Joined Mar 2008
lmc387May 21, 2020 4:55 AM
458 Comments
Quote from Cliq View quoted comment :
Yes. I am closing tomorrow. Saw some companies offering me 3%..sent in their quotes and better.com matched their rates!
Just to confirm, were you locked before and then you got them to match new rate and remained locked at new rate?
May 21, 2020 5:19 AM
237 Comments
Joined Nov 2008
Cloud.StrifeMay 21, 2020 5:19 AM
237 Comments
Has anyone had luck matching multiple times after locking with better? A few people said they matched a day or days before closing. But I wasn't sure if there was a max to how often they can match
May 21, 2020 5:51 AM
35 Comments
Joined Mar 2006
puffpastryMay 21, 2020 5:51 AM
35 Comments
Quote from finddeals2 View quoted comment :
Who are you using for title and settlement escrow services?
I am also looking to do title shopping
I had asked for someone to share their title company, still waiting to see if anyone has recommendation. I am in CA by the way
May 21, 2020 5:54 AM
12.1K Comments
Joined Oct 2008
RUsum1May 21, 2020 5:54 AM
12.1K Comments
Quote from hemihemi View quoted comment :
That`s interesting. I just said them I have a quote and want match and beat by $1000. E-mailed them the Loan Estimate. 5 minutes after he replied explaining A+B-lender credit is your offer we beat it by $1000 so your A+B-lender credit is $1000 less then that, here is your new Loan Estimate. It was really quick and no questions were asked.

Only thing he mentioned LE needs to be a day old latest.
You should realize that you can take the Better.com offer back to the original person to see if they can match or beat it. Then take the new offer back to Better.com to beat again. It's not a one-time thing. I sent several rounds of e-mails back and forth to continue to go down.
May 21, 2020 6:02 AM
2K Comments
Joined Feb 2008
stm69May 21, 2020 6:02 AM
2K Comments
Quote from Cloud.Strife View quoted comment :
Has anyone had luck matching multiple times after locking with better? A few people said they matched a day or days before closing. But I wasn't sure if there was a max to how often they can match
Maybe it's a recent thing, but this seems to be the exception rather than the rule. Better usually refers you to their float down policy.
May 21, 2020 2:39 PM
99 Comments
Joined Apr 2006
peeyurrMay 21, 2020 2:39 PM
99 Comments
Anyone doing this deal again? Just curious.

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May 21, 2020 2:58 PM
3.4K Comments
Joined Nov 2013
mrwhitewalkerMay 21, 2020 2:58 PM
3.4K Comments
Quote from peeyurr View quoted comment :
Anyone doing this deal again? Just curious.
A lot of people have in the last 50+ pages of comments
May 21, 2020 3:15 PM
60 Comments
Joined May 2020
arleylMay 21, 2020 3:15 PM
60 Comments
Quote from stm69 View quoted comment :
Maybe it's a recent thing, but this seems to be the exception rather than the rule. Better usually refers you to their float down policy.
Where can I read their float down policy? Their FAQ has this:

Can I choose a different rate or loan product after I lock?
Yes. You'll be locking in all the loan products you see when viewing "Today's rates". This means you can change your rate, your rate type (fixed vs. adjustable), or your loan term (15, 20, 30 yr.) up until you close.
May 21, 2020 3:19 PM
63 Comments
Joined Dec 2010
psmooveMay 21, 2020 3:19 PM
63 Comments
Earlier this month before finding out about the Amex promo I proceeded with a lender by signing e-disclosures. They are now processing the application, verifying employment, etc but I no longer want to move forward with them because their rates and fees are no longer competitive. Do I just tell them at this point that I am no longer interested? I know we don't have a legal obligation with them until the signing of the closing documents but what's the best way to stop the process?
May 21, 2020 3:20 PM
60 Comments
Joined May 2020
arleylMay 21, 2020 3:20 PM
60 Comments
Quote from psmoove View quoted comment :
Earlier this month before finding out about the Amex promo I proceeded with a lender by signing e-disclosures. They are now processing the application, verifying employment, etc but I no longer want to move forward with them because their rates and fees are no longer competitive. Do I just tell them at this point that I am no longer interested? I know we don't have a legal obligation with them until the signing of the closing documents but what's the best way to stop the process?
Yes, you are not obligated to anything yet.
May 21, 2020 3:24 PM
115 Comments
Joined Jan 2005
finddeals2May 21, 2020 3:24 PM
115 Comments
Quote from rwerns21 View quoted comment :
Another reminder that hasn't talked about on here for awhile is to shop for a local title company. I saved 200-300 bucks using a local one (as opposed to using Betters title) and also with these difficult times in small business you can at least part of your refi local.
Quote from puffpastry View quoted comment :
I am also looking to do title shopping
I had asked for someone to share their title company, still waiting to see if anyone has recommendation. I am in CA by the way
Thank you rwerns21. puffpastry I am your neighbour in Arizona. Some title companies do multiple negibuoring states.
May 21, 2020 3:32 PM
115 Comments
Joined Jan 2005
finddeals2May 21, 2020 3:32 PM
115 Comments
Quote from DogAndPony View quoted comment :
I locked my rate last night. 3% for 30 years with $1900 in lender credit. Happy with the results. Now I have a ton of tasks I need to complete. Oof.
Hi.. which lender did you price match with, and which state are you located in?

Thanks
May 21, 2020 3:41 PM
3.3K Comments
Joined Feb 2014
iukuMay 21, 2020 3:41 PM
3.3K Comments
Quote from Cloud.Strife View quoted comment :
Has anyone had luck matching multiple times after locking with better? A few people said they matched a day or days before closing. But I wasn't sure if there was a max to how often they can match
I tried matching before closing but was said they cant do 2.875% as it is not available to me. I ended up closing at 3%. But checked about refinancing again and been told, I can refinance again and get the credit again too. Will wait little how rates are doing in july before doing another refi app.

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May 21, 2020 3:43 PM
7.7K Comments
Joined Sep 2008
DogAndPonyMay 21, 2020 3:43 PM
7.7K Comments
Quote from finddeals2 View quoted comment :
Hi.. which lender did you price match with, and which state are you located in?

Thanks
I'm in Texas.

I went with First Mortgage Direct, who I found on bankrate.com. That was the lowest rate at the time.

I just checked and they're actually showing 2.875% with no points right now. Damn! I should have waited.

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