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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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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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9.8K Comments

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May 21, 2020 8:38 PM
182 Comments
Joined Aug 2006
CliqMay 21, 2020 8:38 PM
182 Comments
Yes, You can get your rates adjusted from better if you provide official quote from another LE.
May 21, 2020 8:51 PM
1K Comments
Joined Mar 2019
CycloneFWMay 21, 2020 8:51 PM
1K Comments
Quote from daftsynth View quoted comment :
Lender is offering 2.75% for 20 years for a refinance. They said they can't generate a loan estimate (which I'll give to better) until I lock in the rate. are there costs commitments to locking in a rate?
Depends on the lender. Some do, many don't.
May 21, 2020 9:06 PM
1.9K Comments
Joined Feb 2006
indymaleMay 21, 2020 9:06 PM
1.9K Comments
The rates are looking great, I'm just going to wait a little bit more to refinance again with Better!
May 21, 2020 10:29 PM
10.4K Comments
Joined Dec 2006
Switching2GeicoMay 21, 2020 10:29 PM
10.4K Comments
Quote from KrustyVT View quoted comment :
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.
thank you so much. i have hit some new credit cards recently and even refid auto loan.
my credit score remains at around 790. should i be okay for a re-fi?
May 21, 2020 10:32 PM
10.4K Comments
Joined Dec 2006
Switching2GeicoMay 21, 2020 10:32 PM
10.4K Comments
Quote from Noirish View quoted comment :
Are you sure you will be getting a better deal?

Look at Owning's current offer, 15yr @ 2.75% and 30yr @ 3.375%. If you simply apply the monthly payment difference as additional payment to the later, you pretty much pay off the loan about 14.25 years earlier. Your 3.25% is very good for jumbo, you just need to make extra monthly payment if you really want to pay it off faster.
it would force me to pay it off faster.

has anyone had success having better.com match owning and get the $2500?
May 21, 2020 11:40 PM
356 Comments
Joined May 2005
KrustyVTMay 21, 2020 11:40 PM
356 Comments
Quote from Switching2Geico View quoted comment :
thank you so much. i have hit some new credit cards recently and even refid auto loan.
my credit score remains at around 790. should i be okay for a re-fi?
Credit score is only one piece of the puzzle, but a 790 definitely checks that box.
May 22, 2020 1:00 AM
2.1K Comments
Joined Jul 2008
flyersruleMay 22, 2020 1:00 AM
2.1K Comments
Quote from daftsynth View quoted comment :
Lender is offering 2.75% for 20 years for a refinance. They said they can't generate a loan estimate (which I'll give to better) until I lock in the rate. are there costs commitments to locking in a rate?
That's really good. What lending site?

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May 22, 2020 2:19 AM
4 Comments
Joined May 2020
WittyCable537May 22, 2020 2:19 AM
4 Comments
It can't even beat some of the local lenders which start to offer 2.15% with no point for 15 years fixed rate.
May 22, 2020 2:20 AM
551 Comments
Joined Jun 2017
MK2172May 22, 2020 2:20 AM
551 Comments
Quote from WittyCable537 View quoted comment :
It can't even beat some of the local lenders which start to offer 2.15% with no point for 15 years fixed rate.
Really 2.15%, never saw such quote or got one for myself.
May 22, 2020 2:23 AM
4 Comments
Joined May 2020
WittyCable537May 22, 2020 2:23 AM
4 Comments
Quote from MK2172 View quoted comment :
Really 2.15%, never saw such quote or got one for myself.
My bad not for refinance but for purchase.
May 22, 2020 2:29 AM
2.1K Comments
Joined Jul 2008
flyersruleMay 22, 2020 2:29 AM
2.1K Comments
Quote from WittyCable537 View quoted comment :
My bad not for refinance but for purchase.
That's still insanely good. What bank and state? I want to call them
May 22, 2020 2:33 AM
4 Comments
Joined May 2020
WittyCable537May 22, 2020 2:33 AM
4 Comments
Quote from flyersrule View quoted comment :
That's still insanely good. What bank and state? I want to call themT
Here [ufcu.org] we go, TX. or you will have 2% fixed if you willing to pay 1 point. Things are getting crazily low. We might hit 1.xx soon.🤞
May 22, 2020 2:38 AM
2.1K Comments
Joined Jul 2008
flyersruleMay 22, 2020 2:38 AM
2.1K Comments
Quote from WittyCable537 View quoted comment :
Here [ufcu.org] we go, TX. or you will have 2% fixed if you willing to pay 1 point. Things are getting crazily low. We might hit 1.xx soon.🤞
Im in Tx too. I'll check it out. What city?
May 22, 2020 2:41 AM
4 Comments
Joined May 2020
WittyCable537May 22, 2020 2:41 AM
4 Comments
Quote from flyersrule View quoted comment :
Im in Tx too. I'll check it out. What city?
Austin

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May 22, 2020 3:27 AM
869 Comments
Joined Dec 2009
loditMay 22, 2020 3:27 AM
869 Comments
Question for the gurus:

I want to refinance to take advantage of the Better/AMEX deal, current rate is 3.5% and LTV is 30%, credit 780+.

Best rates offered currently for me are at the 15-year fixed, conventional.

Now, one caveat: I'm planning to pay off the loan within 5 years (no escrow, I pay taxes and insurance separately).

So, the question is: how should I be shopping for rates?

1. Get the lowest rate with $0 in fees/closing costs.
2. Lower the rate and pay $XXX in fees/closing costs not to exceed the $2500 Amex credit.

I'm thinking option #1 since I'm planning to pay off early and wouldn't gain the savings from the lower rate because I shorted the term.

It seems right, but wanted those who know better to advise.

Thanks!

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