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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 1:06 PM
607 Posts
Joined Dec 2013
cdancer20Jun 3, 2020 1:06 PM
607 Posts
Quote from elsaball :
Locked 2.75% w -0.5 points!!! Thanks guys!
What company did you have them beat?
Jun 3, 2020 1:14 PM
7,691 Posts
Joined Sep 2008
DogAndPonyJun 3, 2020 1:14 PM
7,691 Posts
Just got my task to enter the last five digits of my AMEX on better.com. My closing is on June 29.

My card expires August 2020, so hopefully that is not going to cause any issues.
Jun 3, 2020 1:16 PM
569 Posts
Joined Oct 2013
m0nkeym8nJun 3, 2020 1:16 PM
569 Posts
Quote from DogAndPony :
Just got my task to enter the last five digits of my AMEX on better.com. My closing is on June 29.

My card expires August 2020, so hopefully that is not going to cause any issues.
Couldn't you just tell Amex to send you a new card? The last 5 digits still remain the same anyways unless you specify it was lost or stolen. It takes 8 to 12 weeks to get the credit. you'll be risking it all for not getting a new card.
Jun 3, 2020 1:26 PM
7,691 Posts
Joined Sep 2008
DogAndPonyJun 3, 2020 1:26 PM
7,691 Posts
Quote from m0nkeym8n :
Couldn't you just tell Amex to send you a new card? The last 5 digits still remain the same anyways unless you specify it was lost or stolen. It takes 8 to 12 weeks to get the credit. you'll be risking it all for not getting a new card.
If the last five digits stay the same what's the issue? Whether I get a new card with a new expiration date or not shouldn't make a difference then, right? I didn't realize the card number would stay the same so should be fine.
Jun 3, 2020 1:27 PM
354 Posts
Joined Dec 2019
wandlJun 3, 2020 1:27 PM
354 Posts
Has anyone who DOESN'T have an AMEX card tried applying and then do this offer? Wonder if this works for brand new amex accounts.
Jun 3, 2020 1:36 PM
1,019 Posts
Joined Mar 2019
CycloneFWJun 3, 2020 1:36 PM
1,019 Posts
Quote from DogAndPony :
If the last five digits stay the same what's the issue? Whether I get a new card with a new expiration date or not shouldn't make a difference then, right? I didn't realize the card number would stay the same so should be fine.
You'll be fine. As long as the account remains open, you are good as the account number stays the same. Even if you had fraud and changed the number, I'm sure you would be ok. The cc companies have various ways to handle the transition of charges and credits.

I've had payments and returns go to old card numbers without issue. On the payments, I didn't notice for well over a year.
Jun 3, 2020 1:45 PM
12,065 Posts
Joined Oct 2008
RUsum1Jun 3, 2020 1:45 PM
12,065 Posts
Quote from cdancer20 :
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.
I was referring to their price match guarantee where if they don't beat an offer by $1000 then they give you $1000.

They actually did match a couple offers that i submitted but they eventually couldn't match an offer I got. When I tried to collect the $1000 they refused and pointed me to rule 9 (I think) in the terms.

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Jun 3, 2020 1:51 PM
45 Posts
Joined Mar 2015
SK0204Jun 3, 2020 1:51 PM
45 Posts
Quote from elsaball :
Locked 2.75% w -0.5 points!!! Thanks guys!
For 30 years loan ?
Jun 3, 2020 2:08 PM
607 Posts
Joined Dec 2013
cdancer20Jun 3, 2020 2:08 PM
607 Posts
Quote from RUsum1 :
I was referring to their price match guarantee where if they don't beat an offer by $1000 then they give you $1000.

They actually did match a couple offers that i submitted but they eventually couldn't match an offer I got. When I tried to collect the $1000 they refused and pointed me to rule 9 (I think) in the terms.
So you tried to price match multiple offers but in the end they couldn't beat one so you went to another company. Now they are refusing to pay you since they price matched other offers. Do I understand correct?
Jun 3, 2020 2:09 PM
553 Posts
Joined Sep 2009
mamakatJun 3, 2020 2:09 PM
553 Posts
Quote from wandl :
Has anyone who DOESN'T have an AMEX card tried applying and then do this offer? Wonder if this works for brand new amex accounts.
There's a post a few pages back that states someone had success doing this. In fact, I think it says they received the card shortly before closing, but in time to enter the card # for better.com's task.. I was going to give it try, but got denied for the card despite having excellent credit. Frown Too much travel hacking, I guess.. shoot
Jun 3, 2020 2:14 PM
1,412 Posts
Joined Jan 2020
SiennaDeer8270Jun 3, 2020 2:14 PM
1,412 Posts
Quote from mamakat :
There's a post a few pages back that states someone had success doing this. In fact, I think it says they received the card shortly before closing, but in time to enter the card # for better.com's task.. I was going to give it try, but got denied for the card despite having excellent credit. Frown Too much travel hacking, I guess.. shoot
The silent dangers of manufactured spending. I hear alot of people say you can refinance unlimited number of times. Are there any silent dangers with doing that?
Jun 3, 2020 2:14 PM
83 Posts
Joined Nov 2014
AdamM8293Jun 3, 2020 2:14 PM
83 Posts
Has anyone had problems with the quality of the appraisal? Ours was done by Mueller Services, Inc, who used a 3rd party to take the pictures basically, and then they do the appraisal. They chose zero comps in our neighborhood despite there being 15 sales in the past 12 months. They also chose a short sale which had previously sold for $70k more in 2018 and obviously did not sell at market value in 2020 due to it being a short sale. Two other lenders were going to waive the appraisal completely for us and now this one came back very low, which would cause me to pay PMI for 3 years. I'm appealing the appraisal.
Jun 3, 2020 2:43 PM
132 Posts
Joined Apr 2006
daftsynthJun 3, 2020 2:43 PM
132 Posts
Just locked in my loan yesterday at 2.75% for a 20year fixed, -1.2 point. Any one have a recommendation for title company?
Last edited by daftsynth June 3, 2020 at 07:46 AM.
Jun 3, 2020 3:49 PM
707 Posts
Joined Dec 2013
duastoJun 3, 2020 3:49 PM
707 Posts
So my loan got sold to fannie mae but still TMS as servicer. Do better.com still have control over my loan? Like can they still require additional requirements or appraisal?

It seems like home value is going down in my area. Zillow zestimate went down so much the past few days. Im scare better will ask additional appraisal and will make my appraisal value lower and making me pay pmi.
Last edited by duasto June 3, 2020 at 08:58 AM.

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Jun 3, 2020 4:08 PM
1,019 Posts
Joined Mar 2019
CycloneFWJun 3, 2020 4:08 PM
1,019 Posts
Quote from duasto :
So my loan got sold to fannie mae but still TMS as servicer. Do better.com still have control over my loan? Like can they still require additional requirements or appraisal?

It seems like home value is going down in my area. Zillow zestimate went down so much the past few days. Im scare better will ask additional appraisal and will make my appraisal value lower and making me pay pmi.
TMS can ask for an appraisal, but you are under no obligation to let that person in your home. Also, even if they did an appraisal and the value went down enough, they cannot add PMI now as that is not the terms you agreed to in your note.

That said, it is highly unlikely that a subsequent investor would request the servicer to get a new appraisal.

I wouldn't worry about this at all.

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