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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- Applied with the soft pull on May 26th. Rate and costs from Better.com were astronomically high. $13K in Closing Costs(did include like $5k in Escrow though)
- Applied with Lender Fi as others suggested here May 28th. Very good rate and credit($2200) at 3.125%, could have done lower 3% with a smaller credit but I wanted to pay nothing out of Pocket if possible.
- Better.com matched Lenderfi May 31st, beat the credits by $1200ish.
- Wanted to keep shopping around but rates fluctuated higher for 3 days straight From May 28th to May 31.
- June 1st Decided to cave and lock it by the deadline they gave me for the match. 3.125% with $3427 Credit. Hard Pull for credit to finalize everything.
- June 1st Appraisal Ordered - Scheduled June 3rd, final Report Received June 5th. $40K higher than we paid 8 months back.
- June 1st Title Ordered. - Cleared June 4th
- June 2-3rd Completed like 25 Tasks including proof of income, general questions such as proof of residence, bank records etc....
- June 3rd - Completely Approved for underwriting
- June 5th Final Appraisal report including "final Loan Estimate with new figures"
- June 8th Spoke with them about having the final go ahead with the loan. Brought up the shopping for a title. Wanted cheaper and a local company instead. Specifically the one that did our previous loan down the road. It was going to save us $320ish bucks. They said no problem OR they gave us an extra $500 credit so we dont take 3-5 days of a stop. Took the credit easy decision. Updated the Loan Estimate.
- June 9th Moved into closing once I got the new LE. Got assigned some new tasks with the latest paystubs and what nots.
- June 10th(today) they asked me for the last 5 numbers of my Amex for the credit.
Nothing has happened since closing though, but its only been 24 hours.This can only be generated once the loan is in processing. Your processor sends this to you. It is called a "Change in Circumstance" Redisclosure. However, I can guarantee it will be the same deal, no points, no fees or charges. Owning pays appraisal and all third party fees.
I sent them the owning.com index page snipit. Hope that makes a diff.
Unfortunately no way management would approve this- I need either a lender's fee sheet reflecting the rate you want or the official estimate.
This can only be generated once the loan is in processing. Your processor sends this to you. It is called a "Change in Circumstance" Redisclosure. However, I can guarantee it will be the same deal, no points, no fees or charges. Owning pays appraisal and all third party fees.
I sent them the owning.com index page snipit. Hope that makes a diff.
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From start of application to closing took 13 days. That's the fastest I've ever experienced. Ever.
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