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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 30, 2020 02:33 AM
5,208 Posts
Joined Feb 2008
unlvrebelsMay 30, 2020 02:33 AM
5,208 Posts
Quote from iuku :
Can you PM me contact detail for AIM agent you used. Thanks
AIM loan has a good website and it provided online rate and pricing information. I just used a screenshot. I used official lender estimate from AnnieMac for the primary residence.
May 30, 2020 03:06 AM
387 Posts
Joined Feb 2007
zaksterMay 30, 2020 03:06 AM
387 Posts
What is the best rate that anyone received for an investment property in CA. I have a loan at 4.625% that I want to refinance. Owning.com rates are applicable only to primary residence. Checking to see if anyone in CA refinanced at lower rates?
May 30, 2020 03:25 AM
1,412 Posts
Joined Jan 2020
SiennaDeer8270May 30, 2020 03:25 AM
1,412 Posts
Quote from unlvrebels :
The best rate for an investment property that I got from Better is 3.25% for 15 years (with about $300 points) after beating a LE from AIM loan. I checked few places and all of them were much higher ( Zillow, bankrate, lenderfi, bluespot, closeyourownloan, etc). I did not submit an an app with lenderfi yet.

I also locked 3% for 30 years (primary residence) with $500 credit after beating a LE from AnnieMac.

I called Amex and spoke with someone in Offers Dept. She said that anyone who applies through the link and closes the loan by the deadline will get $2500 credit.
Yikes is it close the loan by the deadline or start the loan by the deadline? We only have about six weeks left. Can we close in time even if we started now?
May 30, 2020 03:57 AM
282 Posts
Joined Sep 2008
schumi25May 30, 2020 03:57 AM
282 Posts
Locked my rate 15yr fixed @2.5% with zero points and $1347 lender credit. Appraisal was really fast within 2 days of lock. With AMEX credit for Appraisal and 2.5K cashback will end up making 3K Smilie

Prior mortgage was 7 ARM @3.75%
Last edited by schumi25 May 29, 2020 at 09:00 PM.
May 30, 2020 04:06 AM
1,281 Posts
Joined May 2007
ncsgsydnMay 30, 2020 04:06 AM
1,281 Posts
How long does title report take for you guys? Mine was ordered last Friday and I spoke with my processor but there is no update yet.
May 30, 2020 04:13 AM
17 Posts
Joined Sep 2019
DealfinderextremeMay 30, 2020 04:13 AM
17 Posts
For another point of reference. Locked in today at 3%, 30 year, 0 points, $1600 lender credit, making my closing costs about $250 without escrow included. Got them to beat a local rate by $750. Once you include the $2500 AMEX credit, it's a no brainer. Paying me $2200 to lower my rate from 4% to 3%. Another mortgage company you can check rates at really easy is boxhomeloans. It's my wife's uncle's company and usually they have the lowest rates with lowest closing costs. Really easy to look at rates without giving personal info. It's who Better had to beat on my scenario. Hopefully all goes well with this!
May 30, 2020 05:01 AM
1,007 Posts
Joined Mar 2019
CycloneFWMay 30, 2020 05:01 AM
1,007 Posts
Quote from leemaverickly :
How long does title report take for you guys? Mine was ordered last Friday and I spoke with my processor but there is no update yet.
I suspect you mean the time from receiving it. But since you mention ordered, mine was ordered 4/27 and received 5/4, so one week.

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May 30, 2020 05:08 AM
274 Posts
Joined Nov 2006
cynoMay 30, 2020 05:08 AM
274 Posts
Experts plz chime in and suggest me.
Locked with a lender A yesterday after agreeing to pay for appraisal and provided cc.
called Better today and asked for a match or better it. Better matched it and with Amex deal, it is a no brainer. So, locked with Better late in the evening. also noticed I was charged for appraisal late in the evening by lender A as per my consent. I am ok to lose $500.

my Q is, should I tell lender A as soon as possible that I am proceeding with another lender or just keep silent and don't complete the docs upload etc. I was not ready to lock with A yesterday but he would not give me the LE without locking, so had to go for it.
May 30, 2020 05:10 AM
5,208 Posts
Joined Feb 2008
unlvrebelsMay 30, 2020 05:10 AM
5,208 Posts
Quote from SiennaDeer8270 :
Yikes is it close the loan by the deadline or start the loan by the deadline? We only have about six weeks left. Can we close in time even if we started now?
As per the promo website: "Apply by 7/25/20 and close by 10/28/20 to get this offer."
May 30, 2020 05:45 AM
452 Posts
Joined Feb 2008
nycdpjMay 30, 2020 05:45 AM
452 Posts
Quote from cyno :
Experts plz chime in and suggest me.
Locked with a lender A yesterday after agreeing to pay for appraisal and provided cc.
called Better today and asked for a match or better it. Better matched it and with Amex deal, it is a no brainer. So, locked with Better late in the evening. also noticed I was charged for appraisal late in the evening by lender A as per my consent. I am ok to lose $500.

my Q is, should I tell lender A as soon as possible that I am proceeding with another lender or just keep silent and don't complete the docs upload etc. I was not ready to lock with A yesterday but he would not give me the LE without locking, so had to go for it.
Yes, tell lender A ASAP and cancel the appraisal you've paid for. There is a possibility that they will refund that too
May 30, 2020 05:53 AM
387 Posts
Joined Feb 2007
zaksterMay 30, 2020 05:53 AM
387 Posts
Quote from Dealfinderextreme :
For another point of reference. Locked in today at 3%, 30 year, 0 points, $1600 lender credit, making my closing costs about $250 without escrow included. Got them to beat a local rate by $750. Once you include the $2500 AMEX credit, it's a no brainer. Paying me $2200 to lower my rate from 4% to 3%. Another mortgage company you can check rates at really easy is boxhomeloans. It's my wife's uncle's company and usually they have the lowest rates with lowest closing costs. Really easy to look at rates without giving personal info. It's who Better had to beat on my scenario. Hopefully all goes well with this!
How much was your loan amount and state?
May 30, 2020 05:57 AM
3,205 Posts
Joined Feb 2004
mnsweepsMay 30, 2020 05:57 AM
3,205 Posts
Quote from schumi25 :
Locked my rate 15yr fixed @2.5% with zero points and $1347 lender credit. Appraisal was really fast within 2 days of lock. With AMEX credit for Appraisal and 2.5K cashback will end up making 3K Smilie

Prior mortgage was 7 ARM @3.75%
which state is your home? I am getting horrible rates with a huge closing cost with better.com and I have perfect credit score and income. Owning seems best for CA residents.
May 30, 2020 06:01 AM
387 Posts
Joined Feb 2007
zaksterMay 30, 2020 06:01 AM
387 Posts
Quote from mnsweeps :
which state is your home? I am getting horrible rates with a huge closing cost with better.com and I have perfect credit score and income. Owning seems best for CA residents.
Wonder how easy it is for better to match Owning for CA folks. I have sent an email this morning and haven't heard back.
May 30, 2020 06:26 AM
3,205 Posts
Joined Feb 2004
mnsweepsMay 30, 2020 06:26 AM
3,205 Posts
Quote from zakster :
Wonder how easy it is for better to match Owning for CA folks. I have sent an email this morning and haven't heard back.
you matching owning and better.com? I will try tomorrow..

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May 30, 2020 06:31 AM
282 Posts
Joined Sep 2008
schumi25May 30, 2020 06:31 AM
282 Posts
Quote from mnsweeps :
which state is your home? I am getting horrible rates with a huge closing cost with better.com and I have perfect credit score and income. Owning seems best for CA residents.
Washington state. I checked few local mortgage companies, sofi, rocket but no one came close to better mortgage rate.

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