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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-15yr fixed @ 2.375%
-30yr fixed @ 2.75%
$500k loan. No points.
Not sure if its best deal though !!
It says "What will happen to your mortgage with [Lender]" with my mortgage balance for the property I'm trying to refi
The options are a bit weird. They are:
- This is the property I'm refinancing and will be paid off
- This is the property I'm refinancing and will NOT be paid off (with the disclaimer: This mortgage belongs to the property you are refinancing and will not be paid off at closing. Choose this option if it is a second mortgage you want to keep. The lender will consider this mortgage payment when calculating your debt-to-income ratio. This will increase your DTI and decrease your chances of getting approved.)
Obviously I'm not going to be paying off my mortgage, so I would choose the 2nd one, but I don't want to keep a 2nd mortgage per the note. Not sure which one to pick.
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It says "What will happen to your mortgage with [Lender]" with my mortgage balance for the property I'm trying to refi
The options are a bit weird. They are:
- This is the property I'm refinancing and will be paid off
- This is the property I'm refinancing and will NOT be paid off (with the disclaimer: This mortgage belongs to the property you are refinancing and will not be paid off at closing. Choose this option if it is a second mortgage you want to keep. The lender will consider this mortgage payment when calculating your debt-to-income ratio. This will increase your DTI and decrease your chances of getting approved.)
Obviously I'm not going to be paying off my mortgage, so I would choose the 2nd one, but I don't want to keep a 2nd mortgage per the note. Not sure which one to pick.
Are you paying off or keeping your current mortgage? Yes = first option , No = second option.
If you don't pay off your prior mortgage with the new one, the old one is your first mortgage and the new one is the second, unless the first agrees to a subordination.
You can't have it where you don't pay off the existing mortgage and you don't take a second mortgage. A light switch is either on or off.
Are you paying off or keeping your current mortgage? Yes = first option , No = second option.
If you don't pay off your prior mortgage with the new one, the old one is your first mortgage and the new one is the second, unless the first agrees to a subordination.
You can't have it where you don't pay off the existing mortgage and you don't take a second mortgage. A light switch is either on or off.
Also, chatted with the LenderFi person. Wow, of course I got connected with an aggro jerk. I asked for the loan estimate to discuss it with my wife and he kept saying he's too busy and doesn't want to waste his time, and I should just write down the details he'd give me instead of needing an estimate.
It is the same thing. You go through Amex link, it takes your to your account and you fill a new application. The same concierge in my case.
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Yes, I called them and specifically asked that and they said yes.
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