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expiredGreenworld123 posted Dec 08, 2019 02:27 PM
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expiredGreenworld123 posted Dec 08, 2019 02:27 PM

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 29, 2020 02:04 PM
63 Posts
Joined Dec 2010
psmooveMay 29, 2020 02:04 PM
63 Posts
For Cali residents, Owning.com is offering 15 year 2.5% no closing costs and 30 year 2.99% no closing costs. The 15 year refi is the lowest I've seen them offer. Get an LE from them and see if Better.com will beat it.
May 29, 2020 02:25 PM
225 Posts
Joined May 2013
Stevied916May 29, 2020 02:25 PM
225 Posts
Quote from psmoove :
For Cali residents, Owning.com is offering 15 year 2.5% no closing costs and 30 year 2.99% no closing costs. The 15 year refi is the lowest I've seen them offer. Get an LE from them and see if Better.com will beat it.
For loans above 300k. If your loan balance is below that, the rate is much higher.
May 29, 2020 02:28 PM
3,205 Posts
Joined Feb 2004
mnsweepsMay 29, 2020 02:28 PM
3,205 Posts
Quote from psmoove :
For Cali residents, Owning.com is offering 15 year 2.5% no closing costs and 30 year 2.99% no closing costs. The 15 year refi is the lowest I've seen them offer. Get an LE from them and see if Better.com will beat it.
They had the same rate last month and I waited thinking it would go down.. then it went to 2.62 for a few weeks and its back to 2.5 since last evening. I have applied last evening (just details) and have a call with a agent at 10 am pt today. Lets see how it goes.
May 29, 2020 02:44 PM
352 Posts
Joined Dec 2019
wandlMay 29, 2020 02:44 PM
352 Posts
Quote from svinokot :
Better has horrible rates right now.
So Better's first offer was 2nd best and from reading hundreds of posts here, it seems their first offer is never their best offer. While they tout no commissions and low costs, it seems others have been able to always beat them.

HOWEVER, the best tactic is to get competing offers from other places like Sofi, Lenderfi (I had them match LoanDepot) and they have always handily beaten the competitive offers.

I ran into an issue with (I think) the shitty title company they paired me up with called Radian, but meeting the notary tomorrow to finalize everything; so far so good!
May 29, 2020 03:32 PM
490 Posts
Joined Jul 2009
hanerMay 29, 2020 03:32 PM
490 Posts
Late to the party and late to get this offer but what's the next best method to refi my existing loan? I don't live in CA so Owning is out of the question. Should I just go get quotes from Better and SoFi and see if one can beat the other?

Currently have a fixed 30 year 4.25% and paying PMI... almost at the the threshold to remove it.
May 29, 2020 03:48 PM
60 Posts
Joined May 2020
arleylMay 29, 2020 03:48 PM
60 Posts
How long does a title report usually take to be cleared? Better received my title report 5/20 and it is still under review. I did have to change title vesting since title was on my family trust.
May 29, 2020 03:52 PM
707 Posts
Joined Dec 2013
duastoMay 29, 2020 03:52 PM
707 Posts
Quote from wandl :
So Better's first offer was 2nd best and from reading hundreds of posts here, it seems their first offer is never their best offer. While they tout no commissions and low costs, it seems others have been able to always beat them.

HOWEVER, the best tactic is to get competing offers from other places like Sofi, Lenderfi (I had them match LoanDepot) and they have always handily beaten the competitive offers.

I ran into an issue with (I think) the shitty title company they paired me up with called Radian, but meeting the notary tomorrow to finalize everything; so far so good!
Whats the issue with the title company? They gave me Radian too and no issues

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May 29, 2020 03:56 PM
707 Posts
Joined Dec 2013
duastoMay 29, 2020 03:56 PM
707 Posts
Quote from haner :
Late to the party and late to get this offer but what's the next best method to refi my existing loan? I don't live in CA so Owning is out of the question. Should I just go get quotes from Better and SoFi and see if one can beat the other?

Currently have a fixed 30 year 4.25% and paying PMI... almost at the the threshold to remove it.
You have to refinance that. Make sure you shop around to get LE because better dont have the best rates around. You should target atleast 3% rate. If your house increased in value you might be able to get rid of the pmi easily or else you might need to pay to reach 80% ltv
May 29, 2020 03:57 PM
258 Posts
Joined Jul 2008
gregor7777May 29, 2020 03:57 PM
258 Posts
Locked my rate March 3rd (3%, no points, 1k credit, ~325k loan balance, 30yr refi).

Closed March 30th.


Credit appeared on my Amex account today (5/29), so just about 60 days later.
May 29, 2020 04:10 PM
6 Posts
Joined Dec 2013
MarkB7734May 29, 2020 04:10 PM
6 Posts
Locked a 2.25% with 2 points 15 yr on Monday. One of the other mortgage brokers I had spoken with earlier called and said he could do 2.125% today with the same point cost. Will better still match after you rate lock?
May 29, 2020 04:13 PM
3,096 Posts
Joined Feb 2010
balla123May 29, 2020 04:13 PM
3,096 Posts
Quote from gregor7777 :
Locked my rate March 3rd (3%, no points, 1k credit, ~325k loan balance, 30yr refi).

Closed March 30th.


Credit appeared on my Amex account today (5/29), so just about 60 days later.
how much was closing costs
May 29, 2020 04:29 PM
1,007 Posts
Joined Mar 2019
CycloneFWMay 29, 2020 04:29 PM
1,007 Posts
Quote from arleyl :
How long does a title report usually take to be cleared? Better received my title report 5/20 and it is still under review. I did have to change title vesting since title was on my family trust.
Depends on what exactly you mean. I closed over two weeks ago. My portal still says my title is under review. However, it was good to go after 3 or so days from when the review started.
May 29, 2020 04:31 PM
1,007 Posts
Joined Mar 2019
CycloneFWMay 29, 2020 04:31 PM
1,007 Posts
Quote from MarkB7734 :
Locked a 2.25% with 2 points 15 yr on Monday. One of the other mortgage brokers I had spoken with earlier called and said he could do 2.125% today with the same point cost. Will better still match after you rate lock?
Usually yes, but once you rate lock, they often don't beat the other offer, only match it. But all of it is YMMV.
May 29, 2020 04:50 PM
60 Posts
Joined May 2020
arleylMay 29, 2020 04:50 PM
60 Posts
Quote from CycloneFW :
Depends on what exactly you mean. I closed over two weeks ago. My portal still says my title is under review. However, it was good to go after 3 or so days from when the review started.
According to the processor they are still waiting for some docs from title to clear for closing. Title report was received May 20. It hasn't moved since then. One task for us on title was to change the title vesting since the title was on a trust.

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May 29, 2020 04:51 PM
60 Posts
Joined May 2020
arleylMay 29, 2020 04:51 PM
60 Posts
Quote from psmoove :
For Cali residents, Owning.com is offering 15 year 2.5% no closing costs and 30 year 2.99% no closing costs. The 15 year refi is the lowest I've seen them offer. Get an LE from them and see if Better.com will beat it.
I was able to go back and forth between Owning and Better and got 30yr rate down to 2.75 no cost from Owning. I never got a LE from Owning on the 2.75 offer. I stuck with Better at 2.875 due to the Amex credit
Last edited by arleyl May 29, 2020 at 10:02 AM.

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