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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 23, 2020
1,404 Posts
Joined Aug 2009
May 23, 2020
EasyEz
May 23, 2020
1,404 Posts
Quote from SiennaDeer8270 :
Just put some cash towards the loan or mortgage and qualify for the cash out refi.
Thought about it.
May 23, 2020
3,308 Posts
Joined Nov 2013
May 23, 2020
mrwhitewalker
May 23, 2020
3,308 Posts
Applied with both Better.com and Lender Fi and im seeing some crazy high costs for 30 Yr, 3.0% or 3.125% in rates. Located in Oregon.

Better.com
  • 3.0% - $6200
  • 3.125% - $5050
Lenderfi
  • 3.0% - $4039
  • 3.125% - $2757
Credit Scores 780+

Thoughts?
May 23, 2020
547 Posts
Joined Jun 2017
May 23, 2020
MK2172
May 23, 2020
547 Posts
Quote from mrwhitewalker :
Applied with both Better.com and Lender Fi and im seeing some crazy high costs for 30 Yr, 3.0% or 3.125% in rates. Located in Oregon.

Better.com
  • 3.0% - $6200
  • 3.125% - $5050
Lenderfi
  • 3.0% - $4039
  • 3.125% - $2757
Credit Scores 780+

Thoughts?
Better starts with worse rates trying to reel in suckers. But you have to get an estimate from a local broker and then use that to talk to Better.com to match/beat and get Amex credit on top of it.
May 23, 2020
1,412 Posts
Joined Jan 2020
May 23, 2020
SiennaDeer8270
May 23, 2020
1,412 Posts
Quote from mrwhitewalker :
Applied with both Better.com and Lender Fi and im seeing some crazy high costs for 30 Yr, 3.0% or 3.125% in rates. Located in Oregon.

Better.com
  • 3.0% - $6200
  • 3.125% - $5050
Lenderfi
  • 3.0% - $4039
  • 3.125% - $2757
Credit Scores 780+

Thoughts?
Lenderfi only gives good rates for high cost desirable states. Not sure why everyone on here complains that their low cost undesirable areas have high rates/costs. Go find something cheaper in your area.
May 23, 2020
3,308 Posts
Joined Nov 2013
May 23, 2020
mrwhitewalker
May 23, 2020
3,308 Posts
Quote from MK2172 :
Better starts with worse rates trying to reel in suckers. But you have to get an estimate from a local broker and then use that to talk to Better.com to match/beat and get Amex credit on top of it.
Yea I just took a look at the Loan Estimate from better at 3.125 and it was insane! Over $13K in Points, Closing Costs and Prepaids.

The only reason I wanted to try and refinance was to go low to zero cost since many are seeing credits not costs.
May 23, 2020
547 Posts
Joined Jun 2017
May 23, 2020
MK2172
May 23, 2020
547 Posts
Quote from mrwhitewalker :
Yea I just took a look at the Loan Estimate from better at 3.125 and it was insane! Over $13K in Points, Closing Costs and Prepaids.

The only reason I wanted to try and refinance was to go low to zero cost since many are seeing credits not costs.
You can get to lower cost refi, need a good loan estimate from a local broker, or owning.com, so you can use to play ball with Better.com
May 23, 2020
3,308 Posts
Joined Nov 2013
May 23, 2020
mrwhitewalker
May 23, 2020
3,308 Posts
Quote from MK2172 :
You can get to lower cost refi, need a good loan estimate from a local broker, or owning.com, so you can use to play ball with Better.com
Unfortunately Owning is CA only. But I will connect with a local Broker as well plus some credit unions over the next few days.

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May 23, 2020
2,128 Posts
Joined Jul 2008
May 23, 2020
flyersrule
May 23, 2020
2,128 Posts
Where have you guys found to be the cheapest rate/costs in Texas
May 23, 2020
299 Posts
Joined Dec 2008
May 23, 2020
Break_Yourself
May 23, 2020
299 Posts
Costco mortgage is a good way to get good rates and nobody calls you every day like these guys.
May 23, 2020
722 Posts
Joined Dec 2005
May 23, 2020
mat43
May 23, 2020
722 Posts
Can't find any good rates for NY, costco was crap and lenderfi isn't valid in NY. Any recommendations?
May 23, 2020
499 Posts
Joined Apr 2009
May 23, 2020
Leorope
May 23, 2020
499 Posts
Anybody find good rates in GA? Like at a local credit union?
May 23, 2020
452 Posts
Joined Feb 2012
May 23, 2020
PhortyninerPhil
May 23, 2020
452 Posts
I am seeing a 800 credit score needed for the best rates now, fyi. Loanlock offering me 2.875 for 700 bucks all in, 450k loan, no cash out 30yr.
May 23, 2020
3,308 Posts
Joined Nov 2013
May 23, 2020
mrwhitewalker
May 23, 2020
3,308 Posts
Quote from PhortyninerPhil :
I am seeing a 800 credit score needed for the best rates now, fyi. Loanlock offering me 2.875 for 700 bucks all in, 450k loan, no cash out 30yr.
What state are you in?
May 23, 2020
358 Posts
Joined Mar 2014
May 23, 2020
Wreflect
May 23, 2020
358 Posts
I received my refund for the appraisal fee the same day I put in my AMEX info into the Better.com task. Signed my closing papers today. My closing costs actually ended up returning me money... I would have gone for a better interest rate had I known the closing costs would be so low, but initially they appeared quite high.

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May 23, 2020
452 Posts
Joined Feb 2012
May 23, 2020
PhortyninerPhil
May 23, 2020
452 Posts
Quote from mrwhitewalker :
What state are you in?
California

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