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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 31, 2020 07:47 PM
17 Posts
Joined Nov 2013
JukebugMay 31, 2020 07:47 PM
17 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%

I just went through the online application. Rates were similar after applying.
May 31, 2020 07:56 PM
22 Posts
Joined Apr 2019
AhosannaMay 31, 2020 07:56 PM
22 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.
Similar experience; what stands out at Better.com is their ability to match (and in my case, handily beat) the competitors once you submit the supporting docs. Negotiate! I ended up with the most competitive offer from Better.com and multiple users here have had Better.com price match multiple times after back & forth with other lenders...the $2500 AMEX is just cherry on top!
May 31, 2020 08:03 PM
4,361 Posts
Joined Jun 2005
hacklovemasterMay 31, 2020 08:03 PM
4,361 Posts
Better.com email me again today (Sunday) to verify my info (lastb5 number) to apply Amex credit to my card. Tomorrow, Monday is my 8 weeks after funding
May 31, 2020 08:31 PM
5,208 Posts
Joined Feb 2008
unlvrebelsMay 31, 2020 08:31 PM
5,208 Posts
Quote from Noirish :
I know owning.com doesn't offer investment refinance, how about lenderfi?
Try Aimloan and Closeyourownloan besides LenderFi. These websites provide nice rate information prior to applying.
Last edited by unlvrebels May 31, 2020 at 01:37 PM.
Jun 01, 2020 12:59 PM
10 Posts
Joined Feb 2010
Duke309Jun 01, 2020 12:59 PM
10 Posts
Quote from unlvrebels :
Try Aimloan and Closeyourownloan besides LenderFi. These websites provide nice rate information prior to applying.
Is the loan proposal from Closeyourownload good enough to get Better to match or do I need to actually apply to get the LE?
Jun 01, 2020 01:53 PM
649 Posts
Joined May 2013
MBsterJun 01, 2020 01:53 PM
649 Posts
Quote from Duke309 :
Is the loan proposal from Closeyourownload good enough to get Better to match or do I need to actually apply to get the LE?
I couldnt get a formal LE from Zillow Loans, they only provided me with the "worksheet". That said, it was enough for Better and they ended up beating it. So, it seems Better is surprisingly quite flexible and accommodating.
Jun 01, 2020 02:08 PM
5,208 Posts
Joined Feb 2008
unlvrebelsJun 01, 2020 02:08 PM
5,208 Posts
Quote from Duke309 :
Is the loan proposal from Closeyourownload good enough to get Better to match or do I need to actually apply to get the LE?
I just took a screenshot of AIM loan rate and other pricing information (not official LE) and used it to match.

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Jun 01, 2020 02:16 PM
251 Posts
Joined Mar 2006
VisualizeJun 01, 2020 02:16 PM
251 Posts
I have a 30-year fixed rate locked with another lender @ 2.875, 0 points. Submitted the LE to better and they replied that their pricing team can't match the offer. I figured after all the good reports of price matching they would beat it. Oh well ...
Jun 01, 2020 02:34 PM
1,897 Posts
Joined Feb 2006
indymaleJun 01, 2020 02:34 PM
1,897 Posts
Quote from Visualize :
I have a 30-year fixed rate locked with another lender @ 2.875, 0 points. Submitted the LE to better and they replied that their pricing team can't match the offer. I figured after all the good reports of price matching they would beat it. Oh well ...
Which lender and what State?
Jun 01, 2020 02:40 PM
2,128 Posts
Joined Jul 2008
flyersruleJun 01, 2020 02:40 PM
2,128 Posts
Quote from Visualize :
I have a 30-year fixed rate locked with another lender @ 2.875, 0 points. Submitted the LE to better and they replied that their pricing team can't match the offer. I figured after all the good reports of price matching they would beat it. Oh well ...
What Lender.

Also are you guys locking in a Better.com rack rate first then matching?
Jun 01, 2020 03:07 PM
5,208 Posts
Joined Feb 2008
unlvrebelsJun 01, 2020 03:07 PM
5,208 Posts
Quote from flyersrule :
What Lender.

Also are you guys locking in a Better.com rack rate first then matching?
It appears that Better's rate is initially quite high. We need to look elsewhere and then bring a lower rate/cost to Better and then request to match it.

Try these:
Owning
LenderFi
AIMloan
Closeyourownloan
Provident Mortgage
First Mortgage Direct
Last edited by unlvrebels June 1, 2020 at 08:14 AM.
Jun 01, 2020 03:12 PM
606 Posts
Joined Dec 2013
cdancer20Jun 01, 2020 03:12 PM
606 Posts
Quote from flyersrule :
What Lender.

Also are you guys locking in a Better.com rack rate first then matching?
No. I did not lock until they matched/beat an offer that I liked.
Jun 01, 2020 03:15 PM
61 Posts
Joined Dec 2008
thefuddJun 01, 2020 03:15 PM
61 Posts
I tried to refi with better.com last year. I ended up cancelling and eating my appraisal fee. They were horrible at communication. I would ask a question and wouldn't get a reply for weeks on end. I would never do business with them again.
Last edited by thefudd June 1, 2020 at 08:16 AM.
Jun 01, 2020 03:19 PM
3,279 Posts
Joined Feb 2014
iukuJun 01, 2020 03:19 PM
3,279 Posts
Quote from thefudd :
I tried to refi with better.com last year. I ended up cancelling and eating my appraisal fee. They were horrible at communication. I would ask a question and wouldn't get a reply for weeks on end. I would never do business with them again.
My experience was opposite. I guess, it depends on loan officer.

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Jun 01, 2020 03:23 PM
2,128 Posts
Joined Jul 2008
flyersruleJun 01, 2020 03:23 PM
2,128 Posts
Quote from iuku :
My experience was opposite. I guess, it depends on loan officer.
my previous dealings with them I was incredible and very efficient / fast. keep in mind however that I had all my documentation in order and uploaded extremely quickly when they needed it.

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