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

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:

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
374 Posts
Joined Feb 2006
Jun 12, 2020
amd555
Jun 12, 2020
374 Posts
I locked in at 3% and ~1700 credit on a 20 ye refi with better. Anyone else I can use to beat the rate?
Jun 12, 2020
384 Posts
Joined Apr 2016
Jun 12, 2020
physio1213
Jun 12, 2020
384 Posts
I locked the rates couple of weeks ago and now I received lower rate from the same competitor. Closing cost remains the same. Can Better still match the lower interest rates??
Jun 12, 2020
755 Posts
Joined Oct 2007
Jun 12, 2020
swine
Jun 12, 2020
755 Posts
Quote from physio1213 :
I locked the rates couple of weeks ago and now I received lower rate from the same competitor. Closing cost remains the same. Can Better still match the lower interest rates??
As long as you get the LE, I think yes. Needs to be in 1 business day.
Jun 12, 2020
128 Posts
Joined Mar 2010
Jun 12, 2020
punkwizard
Jun 12, 2020
128 Posts
Any local banks in Washington offering good rates to price match with Better?
Jun 12, 2020
922 Posts
Joined Jul 2005
Jun 12, 2020
dealaddicter
Jun 12, 2020
922 Posts
I haven't kept up with the thread. Trying to get a good rate and use LenderFI so I can then use that to match via better.com and also get the credit. As I go through the process LenderFi is asking for DOB and SSN etc. Is that required step? I assume this will pull the report then? reading few threds i was told I will be easily able to get a detailed Lender offer that I can use. Just wasn't sure if its after I have to fill all this info or I can get one without?

Is the process same via owning.com as well?
Jun 12, 2020
384 Posts
Joined Apr 2016
Jun 12, 2020
physio1213
Jun 12, 2020
384 Posts
Quote from swine :
As long as you get the LE, I think yes. Needs to be in 1 business day.
Great. Thank you for the info.
Jun 12, 2020
384 Posts
Joined Apr 2016
Jun 12, 2020
physio1213
Jun 12, 2020
384 Posts
Quote from punkwizard :
Any local banks in Washington offering good rates to price match with Better?
Check bank rate or zillow.com to find rural bank. Or you can check United wholesale mortgage and find local broker. They have lowest rates and closing cost is around 2000.

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Jun 12, 2020
384 Posts
Joined Apr 2016
Jun 12, 2020
physio1213
Jun 12, 2020
384 Posts
Quote from dealaddicter :
I haven't kept up with the thread. Trying to get a good rate and use LenderFI so I can then use that to match via better.com and also get the credit. As I go through the process LenderFi is asking for DOB and SSN etc. Is that required step? I assume this will pull the report then? reading few threds i was told I will be easily able to get a detailed Lender offer that I can use. Just wasn't sure if its after I have to fill all this info or I can get one without?

Is the process same via owning.com as well?
I am pretty positive that you have to give them ssn to negotiate the best rate. Several hits for the same purpose should not affect the credit score much.
Jun 12, 2020
633 Posts
Joined Feb 2007
Jun 12, 2020
techoin
Jun 12, 2020
633 Posts
well better is advertising 30 year fixed at 2.75 today morning on zillow..seems another drop
Jun 12, 2020
60 Posts
Joined May 2020
Jun 12, 2020
arleyl
Jun 12, 2020
60 Posts
Quote from techoin :
well better is advertising 30 year fixed at 2.75 today morning on zillow..seems another drop
I saw that too. Can we take that to them and request the rate? It does have $1k in fees
Jun 12, 2020
352 Posts
Joined Dec 2019
Jun 12, 2020
wandl
Jun 12, 2020
352 Posts
Quote from arleyl :
I saw that too. Can we take that to them and request the rate? It does have $1k in fees
Having gone through this process, if the FED rate for mortgages goes down over .25% (Better Mortgage checks this every Thursday), regardless if you've locked in your rate or not, Better Mortgage WILL lower your rates. You need to call and check with them on this, they do not do it automatically.
Jun 12, 2020
7,484 Posts
Joined Sep 2008
Jun 12, 2020
DogAndPony
Jun 12, 2020
7,484 Posts
Quote from wandl :
Having gone through this process, if the FED rate for mortgages goes down over .25% (Better Mortgage checks this every Thursday), regardless if you've locked in your rate or not, Better Mortgage WILL lower your rates. You need to call and check with them on this, they do not do it automatically.
Rates haven't moved that much in the last thirty days though, have they? What website are you checking this on?
Jun 12, 2020
352 Posts
Joined Dec 2019
Jun 12, 2020
wandl
Jun 12, 2020
352 Posts
Quote from DogAndPony :
Rates haven't moved that much in the last thirty days though, have they? What website are you checking this on?
When I was going through the process (started early May, closed & funded on June 2) rates dropped 0.18%. I don't know what website Better Mortgage benchmarks against other than knowing they have a policy to drop rates if the feds drop the rates even though its already locked.
Jun 12, 2020
489 Posts
Joined Feb 2012
Jun 12, 2020
Mikey122687
Jun 12, 2020
489 Posts
Got an offer

2.75% - The total cost to do the refi is $9271 - $5906 (lender credit) = $3,365

Going to see if better can price match.

Is 2.75% a good deal for $3365?

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Jun 12, 2020
899 Posts
Joined Aug 2010
Jun 12, 2020
JetBlast
Jun 12, 2020
899 Posts
Quote from Mikey122687 :
Got an offer

2.75% - The total cost to do the refi is $9271 - $5906 (lender credit) = $3,365

Going to see if better can price match.

Is 2.75% a good deal for $3365?
What term? Does the $9,271 include all your prepaids?

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