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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 30, 2020
387 Posts
Joined Feb 2007
May 30, 2020
zakster
May 30, 2020
387 Posts
Quote from mnsweeps :
you matching owning and better.com? I will try tomorrow..
Yes, Owning.com seems to be the only lender with those rates. No one else comes even close. For the same rate, better.com wants $14K in points/fees. I don't see a reason why they would match owning as they will lose that fees. They were chasing me from the moment I created an account and submitted my information but they went silent after I asked to match owning.com's rates.
May 30, 2020
3,204 Posts
Joined Feb 2004
May 30, 2020
mnsweeps
May 30, 2020
3,204 Posts
Quote from zakster :
Yes, Owning.com seems to be the only lender with those rates. No one else comes even close. For the same rate, better.com wants $14K in points/fees. I don't see a reason why they would match owning as they will lose that fees. They were chasing me from the moment I created an account and submitted my information but they went silent after I asked to match owning.com's rates.
You should then demand the $1000 cash as promised if they cannot match. I agree nothing comes close to Owning for CA residents.
May 30, 2020
62 Posts
Joined Dec 2010
May 30, 2020
psmoove
May 30, 2020
62 Posts
Quote from zakster :
Yes, Owning.com seems to be the only lender with those rates. No one else comes even close. For the same rate, better.com wants $14K in points/fees. I don't see a reason why they would match owning as they will lose that fees. They were chasing me from the moment I created an account and submitted my information but they went silent after I asked to match owning.com's rates.
LenderFI is another competitive lender. I took their LE and asked Owning to beat, which they did. Then I took Owning's LE to Better and they beat that. Took only a couple of hours for them to respond. I would suggest you follow up with Better again. And if they don't beat it, ask for their $1,000 cash as mnsweeps said above. Win win.
May 30, 2020
385 Posts
Joined Apr 2016
May 30, 2020
physio1213
May 30, 2020
385 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

Prior mortgage was 7 ARM @3.75%
Really good rates. I got 2.5 % with zero points and 2.54% APR with better after they beat local lender. I was offered $1300 lenders credit on 2.625% but decided to go with 2.5 %.
May 30, 2020
387 Posts
Joined Feb 2007
May 30, 2020
zakster
May 30, 2020
387 Posts
Quote from psmoove :
LenderFI is another competitive lender. I took their LE and asked Owning to beat, which they did. Then I took Owning's LE to Better and they beat that. Took only a couple of hours for them to respond. I would suggest you follow up with Better again. And if they don't beat it, ask for their $1,000 cash as mnsweeps said above. Win win.
Are you in CA? I checked lenderFI and they wanted $7K in fees for the rate owning.com gave for free. Better.com seemed to have the highest rates at least for my scenario in CA compared to everyone else. Only reason I want to do it with Better.com is the Amex credit. If they don't match Owning.com then I will go with Owning.com as I will save more even without the Amex credit.
May 30, 2020
62 Posts
Joined Dec 2010
May 30, 2020
psmoove
May 30, 2020
62 Posts
Quote from zakster :
Are you in CA? I checked lenderFI and they wanted $7K in fees for the rate owning.com gave for free. Better.com seemed to have the highest rates at least for my scenario in CA compared to everyone else. Only reason I want to do it with Better.com is the Amex credit. If they don't match Owning.com then I will go with Owning.com as I will save more even without the Amex credit.
Yep, I'm in the OC. Ended up with 2.5% for a 15 year no cash out with $2,600 in lender credit after Better beat Owning's LE. On top of that is the $2,500 Amex promo. This was on 5/18, so things may have changed but if I were you I would still ask Better to beat the LE. They've been responsive to me so far and I also didn't need an appraisal. If it weren't for the Amex promo I would've gone with Owning.
May 30, 2020
17 Posts
Joined Sep 2019
May 30, 2020
Dealfinderextreme
May 30, 2020
17 Posts
Quote from zakster :
How much was your loan amount and state?
$195k, UT

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May 31, 2020
3,204 Posts
Joined Feb 2004
May 31, 2020
mnsweeps
May 31, 2020
3,204 Posts
Quote from psmoove :
Yep, I'm in the OC. Ended up with 2.5% for a 15 year no cash out with $2,600 in lender credit after Better beat Owning's LE. On top of that is the $2,500 Amex promo. This was on 5/18, so things may have changed but if I were you I would still ask Better to beat the LE. They've been responsive to me so far and I also didn't need an appraisal. If it weren't for the Amex promo I would've gone with Owning.

What was your better.com offer before matching Owning? I have $5,530 closing fees + $1,526 in third party fees from better.com where Owning.com is offering the same 2.50% with no fees at all.
May 31, 2020
62 Posts
Joined Dec 2010
May 31, 2020
psmoove
May 31, 2020
62 Posts
Quote from mnsweeps :
What was your better.com offer before matching Owning? I have $5,530 closing fees + $1,526 in third party fees from better.com where Owning.com is offering the same 2.50% with no fees at all.
My original Better offer was worse than yours, almost $8K in closing costs. When I sent them the Owning no closing cost LE at the 2.5% rate, Better beat it by removing the points and added the lender credits which will result in a net payment to me after the refi.

Better's first offer is laughable, but their policy of beating other offers is what sets it apart. I think they are banking on people not bothering to get other quotes.
May 31, 2020
60 Posts
Joined May 2020
May 31, 2020
arleyl
May 31, 2020
60 Posts
Quote from zakster :
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?
Currently refinancing a rental in Fl while living in CA. Got a LE from Provident Funding, who is the current lender for the rental. Provident offered 3.5% but with about $3k in points and lender fees. Better beat it by $1k.
May 31, 2020
274 Posts
Joined Nov 2006
May 31, 2020
cyno
May 31, 2020
274 Posts
Quote from nycdpj :
Yes, tell lender A ASAP and cancel the appraisal you've paid for. There is a possibility that they will refund that too
thanks. I will let them know on Monday
May 31, 2020
2,128 Posts
Joined Jul 2008
May 31, 2020
flyersrule
May 31, 2020
2,128 Posts
Are Lenderfis post application rates for 30yr different than the initial ones you get putting in high level details?

The initial one so get putting in my basic info are ridiculously high with fees. I'm at 3.5% and trying to get in 2.875-3%
May 31, 2020
3,204 Posts
Joined Feb 2004
May 31, 2020
mnsweeps
May 31, 2020
3,204 Posts
Quote from psmoove :
My original Better offer was worse than yours, almost $8K in closing costs. When I sent them the Owning no closing cost LE at the 2.5% rate, Better beat it by removing the points and added the lender credits which will result in a net payment to me after the refi.

Better's first offer is laughable, but their policy of beating other offers is what sets it apart. I think they are banking on people not bothering to get other quotes.
wow. Thats cool.. Good to know.. will see next week how things turn for me..
May 31, 2020
1,005 Posts
Joined Mar 2019
May 31, 2020
CycloneFW
May 31, 2020
1,005 Posts
Quote from flyersrule :
Are Lenderfis post application rates for 30yr different than the initial ones you get putting in high level details?

The initial one so get putting in my basic info are ridiculously high with fees. I'm at 3.5% and trying to get in 2.875-3%
For some people yes, for others no. A number of people reported getting lower/non-obscene fees once applying. Mine were just as obscene with $13k in closing costs for 2.625% where Better is $0 (after Amex credit). Even the 2.875% was just under $10k while the lender I had Better compete against was $1,300 for that rate.

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May 31, 2020
1,421 Posts
Joined Mar 2005
May 31, 2020
Noirish
May 31, 2020
1,421 Posts
I know owning.com doesn't offer investment refinance, how about lenderfi?
1

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