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expiredGreenworld123 posted Dec 8, 2019 2:27 PM

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

American Express Giftcards
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Deal Details
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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Jun 3, 2020 2:55 AM
24 Posts
Joined Aug 2017
5117Jun 3, 2020 2:55 AM
24 Posts
Quote from elsaball :
Locked 2.75% w -0.5 points!!! Thanks guys!
And the kicker I forgot to mention: 30yr fixed
Jun 3, 2020 3:04 AM
161 Posts
Joined Jun 2007
m_mncJun 3, 2020 3:04 AM
161 Posts
My closing is scheduled this friday, anyone know how to pay closing costs? cashier check or personal check.
Jun 3, 2020 3:08 AM
63 Posts
Joined Jul 2008
elsaballJun 3, 2020 3:08 AM
63 Posts
Quote from m_mnc :
My closing is scheduled this friday, anyone know how to pay closing costs? cashier check or personal check.
No idea what their requirements are but I usually do wire or certified check.

Unless they say it's acceptable, I wouldn't rely on personal check.
Jun 3, 2020 3:09 AM
63 Posts
Joined Jul 2008
elsaballJun 3, 2020 3:09 AM
63 Posts
What's the quickest that ppl have closed with better here.

I have no appraisal and have a title contact that can turn around the insurance/search very quick (I've used them on same property very recently).
Jun 3, 2020 3:51 AM
1,019 Posts
Joined Mar 2019
CycloneFWJun 3, 2020 3:51 AM
1,019 Posts
Quote from m_mnc :
My closing is scheduled this friday, anyone know how to pay closing costs? cashier check or personal check.
$500 or less: Personal check or certified funds
$501 - $2499: Certified funds only
$2500 and more: Bank wire only
Jun 3, 2020 3:55 AM
400 Posts
Joined Jul 2011
BeanaBlastaJun 3, 2020 3:55 AM
400 Posts
Quote from 5117 :
And the kicker I forgot to mention: 30yr fixed
Amazing! When did you originally call, time frame. Might call them in the morning.
Jun 3, 2020 3:55 AM
1,019 Posts
Joined Mar 2019
CycloneFWJun 3, 2020 3:55 AM
1,019 Posts
Quote from elsaball :
What's the quickest that ppl have closed with better here.

I have no appraisal and have a title contact that can turn around the insurance/search very quick (I've used them on same property very recently).
I went from rate lock to closing table in 18 days. Based on the dates recorded on my portal, the title report came back before I was out of underwriting. I was conditionally approved to cleared-to-close in 12 days.

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Jun 3, 2020 4:07 AM
5 Posts
Joined Jun 2017
rajap81Jun 3, 2020 4:07 AM
5 Posts
Quote from m_mnc :
My closing is scheduled this friday, anyone know how to pay closing costs? cashier check or personal check.
Its cashier check or wire transfer.
Jun 3, 2020 4:08 AM
12,065 Posts
Joined Oct 2008
RUsum1Jun 3, 2020 4:08 AM
12,065 Posts
I got a response from Better about them not honoring their $1,000 price match guarantee. They say that their terms state that they are only required to beat a competitor by $1,000 per loan application. So if they beat the first offer that you send to them and you don't accept it, they are no longer required to beat other competitor offers.

So my advice is get other lenders to compete at first and when all but one lender has backed out, send that best offer to Better.com at that point to see if they'll do better by $1,000

Quote from m_mnc :
My closing is scheduled this friday, anyone know how to pay closing costs? cashier check or personal check.
My title people accepted a personal check for $1,400+. Not sure if that's typical or not
Jun 3, 2020 4:13 AM
12,597 Posts
Joined Jan 2009
teaberryJun 3, 2020 4:13 AM
12,597 Posts
they are very responsive and I also got approved w/o appraisal. All in all, I think took maybe 2 weeks? Have your title company lined up as well and you need 3 biz days after agreed on terms min to close.
Quote from elsaball :
What's the quickest that ppl have closed with better here.

I have no appraisal and have a title contact that can turn around the insurance/search very quick (I've used them on same property very recently).
Jun 3, 2020 4:21 AM
278 Posts
Joined Nov 2013
xxBiohazrDxxJun 3, 2020 4:21 AM
278 Posts
Closed March 30th and received $2500 June 1st
Jun 3, 2020 4:27 AM
833 Posts
Joined Jul 2018
Balayya_FanJun 3, 2020 4:27 AM
833 Posts
Quote from mnsweeps :
Better.com matched Owning.com's 2.50% APR with $0 closing cost on a 15 year refinance. Now I have LE from both Owning and Better and would go with Better.com just because of the $2500 AMEX credit. I emailed Owning about the Better.com offer and the loan officer started email rioting like the folks protesting Floyd's murder. How did your loan agents behave when they realized you are not going with them?
Owning.com only CA, there rates are excellent
Jun 3, 2020 4:30 AM
797 Posts
Joined Mar 2008
cvrefugeeJun 3, 2020 4:30 AM
797 Posts
Quote from SiennaDeer8270 :
Huge limitation? Who in CA has a loan less than 300k? Did you buy 30 years ago? If so, how do you still have a mortgage?
5 years ago, loan balance is $276K. Estimated value is $475K.
Jun 3, 2020 4:48 AM
3,219 Posts
Joined Feb 2004
mnsweepsJun 3, 2020 4:48 AM
3,219 Posts
Quote from Balayya_Fan :
Owning.com only CA, there rates are excellent
I know I am from CA. I have LE from Owning and Better . Owning is pissed that Better.com is offering me a $2500 credit and Owning loan officer is going bonkers as she is losing my business.

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Jun 3, 2020 1:05 PM
607 Posts
Joined Dec 2013
cdancer20Jun 3, 2020 1:05 PM
607 Posts
Quote from RUsum1 :
I got a response from Better about them not honoring their $1,000 price match guarantee. They say that their terms state that they are only required to beat a competitor by $1,000 per loan application. So if they beat the first offer that you send to them and you don't accept it, they are no longer required to beat other competitor offers.

So my advice is get other lenders to compete at first and when all but one lender has backed out, send that best offer to Better.com at that point to see if they'll do better by $1,000
This was not my experience. I actually had them beat/match 1 offer from one company and 2 offers from a different company. Ask them to point you to those terms. Or just apply for a new application. It won't hurt your credit score.

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