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expired Posted by Greenworld123 • Dec 8, 2019
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.
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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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9,848 Comments

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May 28, 2020
25 Posts
Joined Jan 2015
May 28, 2020
monsterjunkie
May 28, 2020
25 Posts
Quote from cdancer20 :
On your account online, look at the "My Team" section. You have a dedicated Conceirge there that will be able to tell you if you are under the Amex application.
Perfect - thank you. I'll reach out to him.
May 28, 2020
25 Posts
Joined Jan 2015
May 28, 2020
monsterjunkie
May 28, 2020
25 Posts
Quote from cdancer20 :
On your account online, look at the "My Team" section. You have a dedicated Conceirge there that will be able to tell you if you are under the Amex application.
Ahh, I see. I stupidly overlooked the email that was sent to me.

"I'm xyz, your Better Dedicated Concierge as part of the exclusive offer for eligible American Express® Card Members. Nice to meet you!"

Thanks again.
1
May 28, 2020
3,042 Posts
Joined Feb 2010
May 28, 2020
balla123
May 28, 2020
3,042 Posts
Quote from tok :
Please keep us up to date! Also in NYC here, and curious to see what the best rest you can get is!
Quote from 6883 :
Also in NYC. Just got off the phone with better.com
Refinancing. 30 year loan at 3.125% no points. 800 + credit score.
Closing cost about 4500 plus mortgage tax and 2500 in amex credits.
They added a $ 750 Attorney Payoff fee to the LE. Not sure what that is as there's already an attorney bank attorney Fee $895 and Attorney CEMA Doc Prep Fee of $295.
Better.com mentioned I don't get the full mortgage tax back even though it's a CEMA loan. He said I would get about 50% even though I'm just refinancing the same amount. Does that sound correct? Did they also tell you the same?
updates?
May 28, 2020
1,005 Posts
Joined Mar 2019
May 28, 2020
CycloneFW
May 28, 2020
1,005 Posts
Quote from volkl23 :
I've heard mixed results with trying to do a rate match vs a credit union. Has anyone shopped around and used a Loan Estimate from a credit union?

Was it accepted or rejected?
Mine was accepted, but they didn't actually beat it. They got close ($150 over what the CU offered) for the same rate/term.
May 28, 2020
3,042 Posts
Joined Feb 2010
May 28, 2020
balla123
May 28, 2020
3,042 Posts
how does one get a quote from better. i am on the last page "
Does this rate look good? i do not want to lock into anything yet

also what are your rates , NYC

here is mine

https://imgur.com/a/ZErvB8a
Last edited by balla123 May 28, 2020 at 03:06 PM.
May 28, 2020
3,042 Posts
Joined Feb 2010
May 28, 2020
balla123
May 28, 2020
3,042 Posts
Quote from mat43 :
Can't find any good rates for NY, costco was crap and lenderfi isn't valid in NY. Any recommendations?
what was your rates

here is mine from better NYC https://imgur.com/a/ZErvB8a

costco https://imgur.com/a/9ChuybP
Last edited by balla123 May 28, 2020 at 03:14 PM.
May 28, 2020
1,446 Posts
Joined Jul 2008
May 28, 2020
svinokot
May 28, 2020
1,446 Posts
Better has horrible rates right now.

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May 28, 2020
54 Posts
Joined Jun 2006
May 28, 2020
tok
May 28, 2020
54 Posts
Quote from balla123 :
updates?
I ended up getting a 2.875% rate, no points, for a 20 yr refinance in a condo in NYC. In the process of closing in the next few days. I am working with a different bank I was recommended to though, as all the online quotes were much higher.
May 29, 2020
28 Posts
Joined May 2013
May 29, 2020
mvbas
May 29, 2020
28 Posts
Quote from parren :
FYI for those waiting for amex credit - My loan on funded on 03/31 and received amex credit today.
Did you get any confirmation that you will get the credit after your loan was funded or you just had to wait with no confirmation? I confirmed through my concierge that my application is through the Amex credit program. My loan was funded 2 days ago.
May 29, 2020
83 Posts
Joined Feb 2015
May 29, 2020
phenyle
May 29, 2020
83 Posts
The way to get best rates is to provide your most competitive offer and have better beat it. They beat mine by $1000 plus the $2500 Amex credit making it $3500 better
May 29, 2020
83 Posts
Joined Feb 2015
May 29, 2020
phenyle
May 29, 2020
83 Posts
Quote from monsterjunkie :
I signed up using the provided link, but I'm honestly skeptical that it's going to register to my account. I did the application, was pre-approved etc. but didn't get all the way through to locking in the rate. I've come back another day, back into the same account and am thinking that it may not actually link to my Amex account properly...

Is there someone I can reach out to and ask if locking in my rate now (despite a number of days passing since signing up through the link) will still provide me with the $2,500 credit? Amex? Better.com?

It also states there would be a free appraisal ($550 credit) but when I was told to lock in the rate I would have to pay the appraisal deposit. Is that free appraisal apart of the $2,500 credit or do you get additional money back?
2500 is not part of anything, you will get it 2 or 3 months after closing. Better doesnt charge you appraisal fee for upto $550
May 29, 2020
29 Posts
Joined Aug 2011
May 29, 2020
parren
May 29, 2020
29 Posts
Quote from mvbas :
Did you get any confirmation that you will get the credit after your loan was funded or you just had to wait with no confirmation? I confirmed through my concierge that my application is through the Amex credit program. My loan was funded 2 days ago.
I got below email next day after my funding. Nothing after that. ...... Congratulations on funding your loan, XXXXXX! You can expect your American Express® statement credit to be applied to your account within 8-12 weeks.

To check eligibility requirements, you can review the terms at the bottom of the offer landing page or call the number on the back of your credit card.

Thanks again for working with Better.com!
May 29, 2020
1,005 Posts
Joined Mar 2019
May 29, 2020
CycloneFW
May 29, 2020
1,005 Posts
Quote from parren :
I got below email next day after my funding. Nothing after that. ...... Congratulations on funding your loan, XXXXXX! You can expect your American Express® statement credit to be applied to your account within 8-12 weeks.

To check eligibility requirements, you can review the terms at the bottom of the offer landing page or call the number on the back of your credit card.

Thanks again for working with Better.com!
It has driven me nuts that I didn't receive such an email. I ended up reaching out to my team and the closing agent wrote a similar email back to me, but I still would feel better getting this automated email.
May 29, 2020
83 Posts
Joined May 2019
May 29, 2020
umamu
May 29, 2020
83 Posts
Quote from parren :
I got below email next day after my funding. Nothing after that. ...... Congratulations on funding your loan, XXXXXX! You can expect your American Express® statement credit to be applied to your account within 8-12 weeks.

To check eligibility requirements, you can review the terms at the bottom of the offer landing page or call the number on the back of your credit card.

Thanks again for working with Better.com!
Closed on 3/26. Received amex credit on 5/16. Thanks.

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May 29, 2020
83 Posts
Joined May 2019
May 29, 2020
umamu
May 29, 2020
83 Posts
Quote from parren :
I got below email next day after my funding. Nothing after that. ...... Congratulations on funding your loan, XXXXXX! You can expect your American Express® statement credit to be applied to your account within 8-12 weeks.

To check eligibility requirements, you can review the terms at the bottom of the offer landing page or call the number on the back of your credit card.

Thanks again for working with Better.com!
Closed on 3/26. Received amex credit on 05/16. Thanks.

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