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expired Posted by Greenworld123 • Dec 8, 2019
expired Posted by Greenworld123 • Dec 8, 2019

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.
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 12, 2020
41,442 Posts
Joined Apr 2006
Jun 12, 2020
SDRebel
Jun 12, 2020
41,442 Posts
Quote from PhantasmX :
Wow... LenderFi has much better rate for refinancing investment property. Even with the $2500, Better cost more.
Thanks for the tip. I might do a rental after i do the primary
Jun 12, 2020
400 Posts
Joined Mar 2005
Jun 12, 2020
pamif
Jun 12, 2020
400 Posts
sd colleagues, advice please! So, I got the following quotes for 30 year fixed refinance

owning.com: 2.99% rate & apr, no closing costs
projectfi.com: 3% rate, 3.018% apr, $1055 credit

Which one should I send to better for matching?
Last edited by pamif June 11, 2020 at 06:22 PM.
Jun 12, 2020
90 Posts
Joined Jun 2011
Jun 12, 2020
zzrayzz
Jun 12, 2020
90 Posts
Anyone used rocket mortgage to get better to beat/match? Rocket mortgage also have the same $2500 amex deal
Jun 12, 2020
90 Posts
Joined Jun 2011
Jun 12, 2020
zzrayzz
Jun 12, 2020
90 Posts
Quote from pamif :
sd colleagues, advice please! So, I got the following quotes for 30 year fixed refinance

owning.com: 2.99% rate & apr, no closing costs
projectfi.com: 3% rate, 3.018% apr, $1055 credit

Which one should I send to better for matching?
i would say owning. No closing costs should probably save you more than $1055...
Jun 12, 2020
62 Posts
Joined Sep 2007
Jun 12, 2020
strifez
Jun 12, 2020
62 Posts
Quote from youra6 :
Negative here. Bugged them like 6 times to give me the 1k check. No movement and this was like 3 months ago. Not going to name call but they have been far from truthful with me.
I'm in the same situation. Very frustrating.
Jun 12, 2020
755 Posts
Joined Oct 2007
Jun 12, 2020
swine
Jun 12, 2020
755 Posts
Quote from zzrayzz :
Anyone used rocket mortgage to get better to beat/match? Rocket mortgage also have the same $2500 amex deal
I tried before (since I officially got the AMEX $2500 offer for Rocket) and their rate sucks. When I asked for no point no fee refinance, they put all the cost into the loan and told me it was a no point no fee loan....
Jun 12, 2020
90 Posts
Joined Jun 2011
Jun 12, 2020
zzrayzz
Jun 12, 2020
90 Posts
Quote from swine :
I tried before (since I officially got the AMEX $2500 offer for Rocket) and their rate sucks. When I asked for no point no fee refinance, they put all the cost into the loan and told me it was a no point no fee loan....
man you are right.... it does suck so bad compared to what better gave me.... like $10k more.... WTF lol. The way they lay out the LE is tricky, increased my loan amt to cover the costs.

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Jun 12, 2020
1,670 Posts
Joined May 2008
Jun 12, 2020
yumyum103
Jun 12, 2020
1,670 Posts
Quote from zzrayzz :
man you are right.... it does suck so bad compared to what better gave me.... like $10k more.... WTF lol. The way they lay out the LE is tricky, increased my loan amt to cover the costs.
Exactly the same experience here with Rocket that's why I've been desperately trying to find another one that's comparable to better or owning since they both don't work here in Nevada.
Jun 12, 2020
6,123 Posts
Joined Jun 2005
Jun 12, 2020
PhantasmX
Jun 12, 2020
6,123 Posts
So Better said there's nothing they do about the need to add escrow to investment property, property taxes and home insurance, to loan. This is for the life of the loan. I told the agent I haven't been doing that with BofA. Adding escrow would defeat my purpose of refinancing as my interest is more cash readily on hand instead of paying more than my currently mortgage now after refinancing. If it's a million dollar property, I can understand but current outstanding principle is less than $150k remaining.
Jun 12, 2020
640 Posts
Joined Jul 2015
Jun 12, 2020
hemihemi
Jun 12, 2020
640 Posts
Quote from JetBlast :
LenderFi just sent over the LE. 2.875% with $2,350 in credits. Cash to close is 833.
That is really good. I am closing tomorrow at 3% with 2k credits after matching. Wish I waited little bit more.

Get it matched with better and you are looking at $3350 credits.
Jun 12, 2020
452 Posts
Joined Feb 2008
Jun 12, 2020
nycdpj
Jun 12, 2020
452 Posts
Quote from PhantasmX :
So Better said there's nothing they do about the need to add escrow to investment property, property taxes and home insurance, to loan. This is for the life of the loan. I told the agent I haven't been doing that with BofA. Adding escrow would defeat my purpose of refinancing as my interest is more cash readily on hand instead of paying more than my currently mortgage now after refinancing. If it's a million dollar property, I can understand but current outstanding principle is less than $150k remaining.
that's sad - you just have someone who doesn't want to do it. Also, it is easier for Better to sell the loan if your escrow has all things taken care of (not sure of the rationale, but that's what I have seen). I got my HOI taken out, without a hitch, just by asking after I received my initial closing disclosures - for rental properties and for primary home.
Last edited by nycdpj June 11, 2020 at 07:51 PM.
Jun 12, 2020
35 Posts
Joined Mar 2006
Jun 12, 2020
puffpastry
Jun 12, 2020
35 Posts
Quote from nycdpj :
that's sad - you just have someone who doesn't want to do it. Also, it is easier for Better to sell the loan if your escrow has all things taken care of (not sure of the rationale, but that's what I have seen). I got my HOI taken out, without a hitch, just by asking after I received my initial closing disclosures - for rental properties and for primary home.
I just had my loan funded on 6/8
Because of closing cost credit, I was actually due to receive a check on the amount owed to borrower.
I am still waiting for the check. How long did that take for others? I thought it would be over night sent to me...
Jun 12, 2020
899 Posts
Joined Aug 2010
Jun 12, 2020
JetBlast
Jun 12, 2020
899 Posts
Quote from hemihemi :
That is really good. I am closing tomorrow at 3% with 2k credits after matching. Wish I waited little bit more.

Get it matched with better and you are looking at $3350 credits.
Unfortunately Better was only able to match it with no cash due at closing. But I'm happy so I locked in. I've been very pleased with their communication and the process has been very straightforward.

I also need to thank SD otherwise I would've never bothered looking into refinancing. All the advertised rates I've seen have not been worthwhile, but now I'm saving $80k in interest.
Last edited by JetBlast June 11, 2020 at 08:25 PM.
Jun 12, 2020
6,123 Posts
Joined Jun 2005
Jun 12, 2020
PhantasmX
Jun 12, 2020
6,123 Posts
Quote from nycdpj :
that's sad - you just have someone who doesn't want to do it. Also, it is easier for Better to sell the loan if your escrow has all things taken care of (not sure of the rationale, but that's what I have seen). I got my HOI taken out, without a hitch, just by asking after I received my initial closing disclosures - for rental properties and for primary home.
It's bs on their part. The agent's excuse is he has no control and neither does Better. I know he is lying. He gave himself away when he said global warming changes everything. I want to tell him that Al Gore said we are gonna die in 2008 when the polar ice caps completely melted.

Anyway, if they refused to remove the escrow during initial closing, can you back out?

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Jun 12, 2020
3,204 Posts
Joined Feb 2004
Jun 12, 2020
mnsweeps
Jun 12, 2020
3,204 Posts
Quote from PhantasmX :
So Better said there's nothing they do about the need to add escrow to investment property, property taxes and home insurance, to loan. This is for the life of the loan. I told the agent I haven't been doing that with BofA. Adding escrow would defeat my purpose of refinancing as my interest is more cash readily on hand instead of paying more than my currently mortgage now after refinancing. If it's a million dollar property, I can understand but current outstanding principle is less than $150k remaining.
I did not have escrow for my LE. I will pay insurance and property tax myself.

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