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Greenworld123 1.4M Views
Dec 8, 2019 2:27 PM

Amex offer: $2,500 statement credit for home refinance Better.com

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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.
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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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9.8K Comments

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Jun 2, 2020 5:34 PM
67 Comments
Joined Dec 2007
blues008Jun 2, 2020 5:34 PM
67 Comments
Quote from Visualize View quoted comment :
As long as you go through the "Get Offer" link, your better.com account should be eligible, as long as you have a personal amex card.
When in the process do they ask you to link the Amex card? I applied through the link but don't see anything about Amex $2,500 credit so far.
Jun 2, 2020 5:41 PM
3.4K Comments
Joined Nov 2013
mrwhitewalkerJun 2, 2020 5:41 PM
3.4K Comments
Quote from blues008 View quoted comment :
When in the process do they ask you to link the Amex card? I applied through the link but don't see anything about Amex $2,500 credit so far.
Basically once you have finalized everything, there will be a task for entering your Amex info.
Jun 2, 2020 6:03 PM
707 Comments
Joined Dec 2013
duastoJun 2, 2020 6:03 PM
707 Comments
Quote from cdancer20 View quoted comment :
Did your loan amount on your initial LE match the loan amount that you ended up with? Interesting enough, when they changed my loan amount to $30-40k less than I asked for, they did not change the loan credit. Actually it went down $1 but that's not a big deal.
No it went lower .... not that much difference though. It's like a couple thousand. It wen't lower because I decided to payoff some of it to go down to 80% ltv


I just got overpayment check from previous lender because Better.com overpaid my loan amount. Tsk tsk

In the end, I refinance it with zero costs with a little bit of extra once I receive my AMEX credit(hopefully)
Jun 2, 2020 6:13 PM
719 Comments
Joined Oct 2011
d3alsoffortuneJun 2, 2020 6:13 PM
719 Comments
Based on the Zillow Quote, for loans up to $765,000, for 30 yrs fixed, I see the rate and APR is 2.875% with "Guaranteed Rate". That seems like a great rate if anyone wants to refinance under those conditions and there are no hidden fees.
Last edited by w3bCraw1er June 2, 2020 at 11:29 AM.
Jun 2, 2020 6:27 PM
2 Comments
Joined Apr 2012
faceoff007Jun 2, 2020 6:27 PM
2 Comments
Anyone know if the $2500 credit considered taxable income where we have to pay tax later on?
Jun 2, 2020 6:36 PM
83 Comments
Joined Nov 2014
AdamM8293Jun 2, 2020 6:36 PM
83 Comments
Quote from faceoff007 View quoted comment :
Anyone know if the $2500 credit considered taxable income where we have to pay tax later on?
I don't know if it's actually taxable, but I did read a post from someone saying that we will not be getting 1099 forms reflecting the income.
Jun 2, 2020 6:41 PM
2 Comments
Joined Apr 2012
faceoff007Jun 2, 2020 6:41 PM
2 Comments
Quote from faceoff007 View quoted comment :
Anyone know if the $2500 credit considered taxable income where we have to pay tax later on?
Found the answer:

"The statement credit will be applied 8-12 weeks after your mortgage closes. The value of the statement credit may be taxable income to you, and you are responsible for any federal, state or other taxes resulting from the credit. Consult your tax advisor if you have any questions about the tax treatment of your statement credit. "

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Jun 2, 2020 7:17 PM
1.3K Comments
Joined May 2007
ncsgsydnJun 2, 2020 7:17 PM
1.3K Comments
Quote from nawin49 View quoted comment :
15 Year Fixed Rates have come down to 2.55, Does Better decrease their rates? I am locked in at 2.75%. I am almost close to closing, closing expert is added to my tasks.
How do you check better's personalized rate after locking? I am having a hard time with that. The generic rate check from better is way off.
Jun 2, 2020 7:25 PM
1K Comments
Joined Mar 2019
CycloneFWJun 2, 2020 7:25 PM
1K Comments
Quote from leemaverickly View quoted comment :
How do you check better's personalized rate after locking? I am having a hard time with that. The generic rate check from better is way off.
You cannot after locking. You can have your loan officer email you screenshots of your rate table.

Note that when you lock, you are locking the entire rate table available to you at that time, for any loan program. So unless Better has made an adjustment for you specifically after locking, this will simply be the same info as right before you locked your rate.
Jun 2, 2020 7:31 PM
1.3K Comments
Joined May 2007
ncsgsydnJun 2, 2020 7:31 PM
1.3K Comments
Quote from CycloneFW View quoted comment :
You cannot after locking. You can have your loan officer email you screenshots of your rate table.

Note that when you lock, you are locking the entire rate table available to you at that time, for any loan program. So unless Better has made an adjustment for you specifically after locking, this will simply be the same info as right before you locked your rate.
Yeah I am on the same page. That's why I am wondering how nawin49 checks updated rates after locking.
Jun 2, 2020 7:32 PM
1K Comments
Joined Mar 2019
CycloneFWJun 2, 2020 7:32 PM
1K Comments
Quote from leemaverickly View quoted comment :
Yeah I am on the same page. That's why I am wondering how nawin49 checks updated rates after locking.
In my case, I used their custom rate tool to track things. But that's only tracking how the general market is moving. Your rate doesn't change either way.
Jun 2, 2020 8:29 PM
392 Comments
Joined Feb 2007
zaksterJun 2, 2020 8:29 PM
392 Comments
Quote from w3bCraw1er View quoted comment :
Based on the Zillow Quote, for loans up to $765,000, for 30 yrs fixed, I see the rate and APR is 2.875% with "Guaranteed Rate". That seems like a great rate if anyone wants to refinance under those conditions and there are no hidden fees.
Which state is the property located ? You mean the Zillow marketplace lenders?
Jun 2, 2020 9:10 PM
259 Comments
Joined Feb 2018
njdealguyJun 2, 2020 9:10 PM
259 Comments
Hi I had a loan rate locked a couple weeks ago with Better and thought was the world's dumbest person due to finding out about this Amex deal after applying/locking. After assuming cant do anything about it as never used the Amex offer link found out due to a post today on BH of someone having success with applying for a new Amex card just a day before closing and having it successfully applied.

I didnt need to apply for a new card as have a Amex Blue Cash card from many years ago and was able to get the representative to associate the offer today and will credit the appraisal fee I already paid at closing. Very grateful for all the helpful information have read on this thread and also BH due to which can now have extra $3k in my pocket!
Jun 2, 2020 9:32 PM
212 Comments
Joined Dec 2006
volkl23Jun 2, 2020 9:32 PM
212 Comments
Quote from faceoff007 View quoted comment :
Anyone know if the $2500 credit considered taxable income where we have to pay tax later on?
Yes, It's taxable.

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Jun 2, 2020 9:34 PM
1K Comments
Joined Mar 2019
CycloneFWJun 2, 2020 9:34 PM
1K Comments
Quote from noc26 View quoted comment :
Amex credit data point:

Closed - April 15
See credit posted on Amex statement - June 1
Credit dated - May 11
So 4 weeks from the funding date for you. Nice! May we all be as fortunate!

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