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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:

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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 10, 2020 04:02 PM
1,897 Posts
Joined Feb 2006
indymaleJun 10, 2020 04:02 PM
1,897 Posts
I just checked Zillow offers, and better is offering 2.375 for 15 year loan with $999 fees!
I cannot believe Better themselves can offer such good rates?
Jun 10, 2020 04:14 PM
5,496 Posts
Joined Dec 2009
ultratumbaJun 10, 2020 04:14 PM
5,496 Posts
Quote from indymale :
I just checked Zillow offers, and better is offering 2.375 for 15 year loan with $999 fees!
I cannot believe Better themselves can offer such good rates?
I just got offered that this morning from Owning.com, but in process with Better for the 2.5 for 15 with $2200 in credits and no points/fees. Requesting an LE to make sure they are not using points or higher fees. I have a feeling rates will keep dropping.Better has a 45 day drop down guarantee, so Im purposefully witholding my W-2 information to prolong this to stay competitive so as to close in July.
Jun 10, 2020 04:15 PM
3,205 Posts
Joined Feb 2004
mnsweepsJun 10, 2020 04:15 PM
3,205 Posts
anyone got a Title company where I can get a competitive rate? I am in CA if that matters..
Jun 10, 2020 04:24 PM
491 Posts
Joined Feb 2012
Mikey122687Jun 10, 2020 04:24 PM
491 Posts
Do you have to pay with AMEX card? How do they know if you close or not? I'm assuming you need to send AMEX some sort of proof that you closed with Better?
Jun 10, 2020 04:33 PM
9 Posts
Joined Jan 2010
bamdooJun 10, 2020 04:33 PM
9 Posts
Quote from ultratumba :
I just got offered that this morning from Owning.com, but in process with Better for the 2.5 for 15 with $2200 in credits and no points/fees. Requesting an LE to make sure they are not using points or higher fees. I have a feeling rates will keep dropping.Better has a 45 day drop down guarantee, so Im purposefully witholding my W-2 information to prolong this to stay competitive so as to close in July.
I looked on Betters website for information on the 45 day drop down guarantee but couldn't find anything. Can you please share where you found the information. Thanks.
Jun 10, 2020 04:37 PM
5,324 Posts
Joined Jul 2004
Gdog2004Jun 10, 2020 04:37 PM
5,324 Posts
Quote from ultratumba :
I just got offered that this morning from Owning.com, but in process with Better for the 2.5 for 15 with $2200 in credits and no points/fees. Requesting an LE to make sure they are not using points or higher fees. I have a feeling rates will keep dropping.Better has a 45 day drop down guarantee, so Im purposefully witholding my W-2 information to prolong this to stay competitive so as to close in July.
When/How did you get that rate with credits ?
I am financing 181K at 2.625 with only 874 in credits. For 2.5 they want 117.00 in points.
I have over 800 credit and a ton of equity.
Jun 10, 2020 04:38 PM
5,496 Posts
Joined Dec 2009
ultratumbaJun 10, 2020 04:38 PM
5,496 Posts
Quote from bamdoo :
I looked on Betters website for information on the 45 day drop down guarantee but couldn't find anything. Can you please share where you found the information. Thanks.
You will get that info once you lock in a rate. Most if not all do this. I believe it needs to drop down a 1/4 % before it drops your locked rate down to match. Im asking my loan advisor about this. Ill get back once I hear from him.

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Jun 10, 2020 04:43 PM
5,496 Posts
Joined Dec 2009
ultratumbaJun 10, 2020 04:43 PM
5,496 Posts
Quote from Gdog2004 :
When/How did you get that rate with credits ?
I am financing 181K at 2.625 with only 874 in credits. For 2.5 they want 117.00 in points.
I have over 800 credit and a ton of equity.
. Owning gave me nearly $1000 in credits on the original LE. Went to Better to see what was best they had to offer without telling them what I got from Owning. Of course they came back with something that sucked, BUT after being on phone with them for a while, they said "we will give you $1000 back if you can find a better rate". So I did Smilie

Both Owning credit and their "we will beat it" policy amounted to my credits, however, Im really only pocketing $1100 since the other $1000 is used on the fees to close. Essentially, getting credits does not mean cashing out when closing. They will apply about $1000 towards it needless to say. Hope this helps.

Oh yeah, I have over 800 and tons of equity too, but you need to be in CA from what I read. Its super competitive here.
Last edited by ultratumba June 10, 2020 at 09:55 AM.
Jun 10, 2020 05:12 PM
383 Posts
Joined Jun 2010
TxJDogJun 10, 2020 05:12 PM
383 Posts
Quote from ultratumba :
You will get that info once you lock in a rate. Most if not all do this. I believe it needs to drop down a 1/4 % before it drops your locked rate down to match. Im asking my loan advisor about this. Ill get back once I hear from him.
From what they told me is if it drops 0.25% they will drop your locked rate by 0.125%.
Jun 10, 2020 05:29 PM
5,496 Posts
Joined Dec 2009
ultratumbaJun 10, 2020 05:29 PM
5,496 Posts
Quote from mnsweeps :
anyone got a Title company where I can get a competitive rate? I am in CA if that matters..
Same here, I have Title365 Company which is perhaps who everyone is going through Better has and they are charging a total of $1,100 for me. $550 for Insurance and $550 for settlement fee. Anyone got anything else?
Jun 10, 2020 05:31 PM
2,128 Posts
Joined Jul 2008
flyersruleJun 10, 2020 05:31 PM
2,128 Posts
Quote from ultratumba :
Same here, I have Title365 Company which is perhaps who everyone is going through Better has and they are charging a total of $1,100 for me. $550 for Insurance and $550 for settlement fee. Anyone got anything else?
$550 for title? That seems absurdly low.
Jun 10, 2020 05:36 PM
5,496 Posts
Joined Dec 2009
ultratumbaJun 10, 2020 05:36 PM
5,496 Posts
Quote from flyersrule :
$550 for title? That seems absurdly low.
$1100 was the total. I just went into details.
Jun 10, 2020 05:37 PM
132 Posts
Joined Sep 2010
mwy23Jun 10, 2020 05:37 PM
132 Posts
Quote from ultratumba :
Same here, I have Title365 Company which is perhaps who everyone is going through Better has and they are charging a total of $1,100 for me. $550 for Insurance and $550 for settlement fee. Anyone got anything else?
Better selected Spruce for title for me and it was $700/$495 + $55 deed prep + sales tax (WA)
Jun 10, 2020 05:43 PM
5,496 Posts
Joined Dec 2009
ultratumbaJun 10, 2020 05:43 PM
5,496 Posts
Quote from mwy23 :
Better selected Spruce for title for me and it was $700/$495 + $55 deed prep + sales tax (WA)
If it helps, call the title company I have listed and see if you can get better, they are in PA:

Phone: 412-329-4406

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Jun 10, 2020 05:47 PM
3,205 Posts
Joined Feb 2004
mnsweepsJun 10, 2020 05:47 PM
3,205 Posts
Quote from ultratumba :
Same here, I have Title365 Company which is perhaps who everyone is going through Better has and they are charging a total of $1,100 for me. $550 for Insurance and $550 for settlement fee. Anyone got anything else?
same here.. Title365 for me too and $1100 total fees.. But they were fast and also passed the title info to better... Better is workin on Title now

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