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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 24, 2020
60 Posts
Joined May 2020
May 24, 2020
arleyl
May 24, 2020
60 Posts
Quote from hungiema :
i just refinance my investment property at 3.5 about 2 months ago.
I'm looking at refinancing a rental as well, but the costs are insane high. What lender did you use to get 3.5 and no costs?
May 24, 2020
60 Posts
Joined May 2020
May 24, 2020
arleyl
May 24, 2020
60 Posts
Quote from Methodman :
Wanted to bounce this off some of you experts to make sure I'm not misreading or misunderstanding. So, I initially had a 3.375% offer from Owning with $1459 lender credit. Better beat that and locked my rate in at 3.375% and gave me a lender credit of $2445. I'm now in the closing phase with Better and I just submitted a new loan estimate from Owning at 3.125% with $1459 lender credit and asked Better if they could beat it. Well, the loan consultant never got back to me, but I saw that my locked rate on the website went from 3.375% to 3.125%. No new loan estimate was generated. I just got my closing disclosure documents and I see these changes:
Interest Rate is changed from 3.375% to 3.125%.
Lender Credits are changed from $2,456 to $7.00.
Recording Fee is changed from $328 to $382.

Furthermore, it now shows that $1,619.77 in closing costs are financed thru the loan. Looks like they basically matched the rate but just about took away all the lender credits and now I'm financing my closing costs? Those of you who got Better to match a second time, did they match the rates and the lender credits again?
Similar to my loan with better. Better matched 3% and had $2400 in lender credit. They matched a second LE from Owning for 2.875%, but leaner credit went down to $608. With the Amex credit I still come out ahead.
May 24, 2020
1,524 Posts
Joined Mar 2005
May 24, 2020
jrlcopy
May 24, 2020
1,524 Posts
Quote from flyersrule :
You can only get flood through FEMA. Third party company that handles and the max is $250 k/100k

Some companies provide supplemental insurance over them limits but you might have to have this at the baseline first
Weird, yeah I have a line item where Flood covers me up to 100k, maybe it's just property involved in a flood? They were the only one to offer it. ASI Progressive. They said it was free too. I dunno. This is my first time buying, so not sure.
May 24, 2020
2,128 Posts
Joined Jul 2008
May 24, 2020
flyersrule
May 24, 2020
2,128 Posts
Quote from jrlcopy :
Weird, yeah I have a line item where Flood covers me up to 100k, maybe it's just property involved in a flood? They were the only one to offer it. ASI Progressive. They said it was free too. I dunno. This is my first time buying, so not sure.
I was able to find a company on bank rate that is 2.875 30 year with $995 lender fee. If I can get better to match they should be able to beat that by the thousand. I would then only be responsible for closing costs such as title insurance, recording, etc. The closing company I could use would cost me about $1,500 so that would net me about $1,000 I'm assuming
May 24, 2020
281 Posts
Joined Mar 2010
May 24, 2020
hungiema
May 24, 2020
281 Posts
Quote from arleyl :
I'm looking at refinancing a rental as well, but the costs are insane high. What lender did you use to get 3.5 and no costs?
i used cashcall or aimloans. it was one of them they matched to. but that was also two months ago. good luck!
May 24, 2020
60 Posts
Joined May 2020
May 24, 2020
arleyl
May 24, 2020
60 Posts
Quote from hungiema :
i used cashcall or aimloans. it was one of them they matched to. but that was also two months ago. good luck!
One broker mentioned that lenders are really tight with rental refis due to the pandemic which makes sense. It's a lot riskier. Rates for rentals are always higher than primary refis but the gap seems wider now.
May 25, 2020
1,806 Posts
Joined Aug 2008
May 25, 2020
usercar007
May 25, 2020
1,806 Posts
can anyone confirm this works if you have Blue Cash Everyday? Thanks

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May 25, 2020
7,484 Posts
Joined Sep 2008
May 25, 2020
DogAndPony
May 25, 2020
7,484 Posts
Quote from usercar007 :
can anyone confirm this works if you have Blue Cash Everyday? Thanks
it does
May 25, 2020
815 Posts
Joined Jul 2012
May 25, 2020
CrazyCoconut
May 25, 2020
815 Posts
Quote from Ahosanna :
I'm in Dallas area; I've checked everyone from Lendingtree, Loansnap, LoanDepot, and Sofi...also did my local credit union (RBFCU) and Costco. The only one I didn't try was Lenderfi.
Best I got (this was 2 weeks ago) was 2.75% fixed for 15 year and 3.25% fixed for 30 year, this is with minimal (maybe $1k) out of pocket after lender credits.
which company was it for 2.75%?
May 25, 2020
1,476 Posts
Joined Oct 2006
May 25, 2020
avatar13
May 25, 2020
1,476 Posts
Quote from Ahosanna :
I'm in Dallas area; I've checked everyone from Lendingtree, Loansnap, LoanDepot, and Sofi...also did my local credit union (RBFCU) and Costco. The only one I didn't try was Lenderfi.
Best I got (this was 2 weeks ago) was 2.75% fixed for 15 year and 3.25% fixed for 30 year, this is with minimal (maybe $1k) out of pocket after lender credits.
I'm in Dallas area as well and would be curious who your lender was. I've been waiting for refi estimate from my current provider but they haven't provided anything yet.
May 25, 2020
7,484 Posts
Joined Sep 2008
May 25, 2020
DogAndPony
May 25, 2020
7,484 Posts
I'm in Dallas. I got 3% from a lender on bankrate or zillow
May 25, 2020
2,850 Posts
Joined Apr 2006
May 25, 2020
aqan
May 25, 2020
2,850 Posts
Quote from jrlcopy :
It's how you save that cash. I called 5 insurance companies for home insurance, which took 40 mins each quote/call, legit the last one I called Progressive, was $400 cheaper than everyone else, double the property value, and included Flood insurance for free.

Home buying is like dealing with 1000 used car salesman. :/
thanks for reminding me Smilie.. just got a quote from progressive.com took 10 minutes.. saves me over $800 per year.
May 25, 2020
4,360 Posts
Joined Jun 2005
May 25, 2020
hacklovemaster
May 25, 2020
4,360 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?
I refinance on Feb, Portland OR. I got quote 3500 for part D, 30 years, 3.375% . Pricematch with lending free lender and better offer me 30 years, 3.375, $2000 + 800 lender credit = $1200 loan cost. I took the offer as I save $300+/m after refinance and make $1300 after cashback,
May 25, 2020
3,307 Posts
Joined Nov 2013
May 25, 2020
mrwhitewalker
May 25, 2020
3,307 Posts
Quote from hacklovemaster :
I refinance on Feb, Portland OR. I got quote 3500 for part D, 30 years, 3.375% . Pricematch with lending free lender and better offer me 30 years, 3.375, $2000 + 800 lender credit = $1200 loan cost. I took the offer as I save $300+/m after refinance and make $1300 after cashback,
Do you mind telling me who you applied through?

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May 26, 2020
4,360 Posts
Joined Jun 2005
May 26, 2020
hacklovemaster
May 26, 2020
4,360 Posts
Quote from mrwhitewalker :
Do you mind telling me who you applied through?
Zillow.comApplause

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