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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.
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
17 Posts
Joined Nov 2013
May 31, 2020
Jukebug
May 31, 2020
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
22 Posts
Joined Apr 2019
May 31, 2020
Ahosanna
May 31, 2020
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
4,360 Posts
Joined Jun 2005
May 31, 2020
hacklovemaster
May 31, 2020
4,360 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
Pro
May 31, 2020
5,205 Posts
Joined Feb 2008
May 31, 2020
unlvrebels
Pro
May 31, 2020
5,205 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 1, 2020
10 Posts
Joined Feb 2010
Jun 1, 2020
Duke309
Jun 1, 2020
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 1, 2020
645 Posts
Joined May 2013
Jun 1, 2020
MBster
Jun 1, 2020
645 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.
Pro
Jun 1, 2020
5,205 Posts
Joined Feb 2008
Jun 1, 2020
unlvrebels
Pro
Jun 1, 2020
5,205 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 1, 2020
250 Posts
Joined Mar 2006
Jun 1, 2020
Visualize
Jun 1, 2020
250 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 1, 2020
1,894 Posts
Joined Feb 2006
Jun 1, 2020
indymale
Jun 1, 2020
1,894 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 1, 2020
2,128 Posts
Joined Jul 2008
Jun 1, 2020
flyersrule
Jun 1, 2020
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?
Pro
Jun 1, 2020
5,205 Posts
Joined Feb 2008
Jun 1, 2020
unlvrebels
Pro
Jun 1, 2020
5,205 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 1, 2020
606 Posts
Joined Dec 2013
Jun 1, 2020
cdancer20
Jun 1, 2020
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 1, 2020
61 Posts
Joined Dec 2008
Jun 1, 2020
thefudd
Jun 1, 2020
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 1, 2020
3,275 Posts
Joined Feb 2014
Jun 1, 2020
iuku
Jun 1, 2020
3,275 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 1, 2020
2,128 Posts
Joined Jul 2008
Jun 1, 2020
flyersrule
Jun 1, 2020
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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