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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

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
370 Posts
Joined May 2009
Jun 12, 2020
icecube4u
Jun 12, 2020
370 Posts
Quote from Mikey122687 :
C2 Financial, they're broker
Can you share contact information please?
Last edited by icecube4u June 12, 2020 at 01:13 PM.
Jun 12, 2020
2,520 Posts
Joined Aug 2007
Jun 12, 2020
sleekwallet
Jun 12, 2020
2,520 Posts
Got 2.75% +4,200 credit on a 30 years with better.com, no price match needed.

Thanks OP!

I hope the amex rebate works too
Jun 12, 2020
707 Posts
Joined Dec 2013
Jun 12, 2020
duasto
Jun 12, 2020
707 Posts
Quote from PhantasmX :
I just ask Better to waive escrow on my rental for refinancing but no response yet. The agent is willing to lower the cost for points for me to sign on.

By the way, can someone recommend a good home warranty company?
When I tried this ... they increased added POINTS that i have to pay ... They told me since I'm removing escrow other lenders have higher interest rate which I think is BS but maybe because my loan is 80% LTV ... Anyway worth trying but make sure to check it if they changed something on your term.
Jun 12, 2020
489 Posts
Joined Feb 2012
Jun 12, 2020
Mikey122687
Jun 12, 2020
489 Posts
Quote from sleekwallet :
Got 2.75% +4,200 credit on a 30 years with better.com, no price match needed.

Thanks OP!

I hope the amex rebate works too
What's the total loan cost? What's the escrow?

I got $5000 credit too but loan cost is like $8000
Jun 12, 2020
489 Posts
Joined Feb 2012
Jun 12, 2020
Mikey122687
Jun 12, 2020
489 Posts
Quote from icecube4u :
Can you share contact information please?D
Don Hufnagel
[email protected]
619-513-8275
Jun 12, 2020
2,520 Posts
Joined Aug 2007
Jun 12, 2020
sleekwallet
Jun 12, 2020
2,520 Posts
Quote from Mikey122687 :
What's the total loan cost? What's the escrow?

I got $5000 credit too but loan cost is like $8000

Loan Cost is 1,230 , no points
Jun 12, 2020
370 Posts
Joined May 2009
Jun 12, 2020
icecube4u
Jun 12, 2020
370 Posts
Quote from Mikey122687 :
Don Hufnagel
[email protected]
619-513-8275
Thanks!

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Jun 12, 2020
473 Posts
Joined Jan 2013
Jun 12, 2020
adwi
Jun 12, 2020
473 Posts
Quote from sleekwallet :
Got 2.75% +4,200 credit on a 30 years with better.com, no price match needed.

Thanks OP!

I hope the amex rebate works too
How did you get 2.75? Did you match someone?
Jun 12, 2020
6,123 Posts
Joined Jun 2005
Jun 12, 2020
PhantasmX
Jun 12, 2020
6,123 Posts
Quote from duasto :
When I tried this ... they increased added POINTS that i have to pay ... They told me since I'm removing escrow other lenders have higher interest rate which I think is BS but maybe because my loan is 80% LTV ... Anyway worth trying but make sure to check it if they changed something on your term.
Agent haven't replied back. It has been almost 5 hours already. I told the agent I don't like the idea of having the property under "impound" status when I've never missed a mortgage payment, pay property tax on time, and no coverage gap for insurance. It's bs and they are trying to justify this escrow crap. I can understand of the owner is in delinquent status on property tax of some sort and history of missing mortgage payments here there.
Jun 12, 2020
2,520 Posts
Joined Aug 2007
Jun 12, 2020
sleekwallet
Jun 12, 2020
2,520 Posts
Quote from adwi :
How did you get 2.75? Did you match someone?

I did not, I just got the quote directly from their website as is. I was surprised actually
Jun 12, 2020
60 Posts
Joined May 2020
Jun 12, 2020
arleyl
Jun 12, 2020
60 Posts
Quote from sleekwallet :
I did not, I just got the quote directly from their website as is. I was surprised actually
How big is your loan and what is your ltv?
Jun 12, 2020
633 Posts
Joined Feb 2007
Jun 12, 2020
techoin
Jun 12, 2020
633 Posts
Quote from sleekwallet :
Got 2.75% +4,200 credit on a 30 years with better.com, no price match needed.

Thanks OP!

I hope the amex rebate works too
show us the proof if you are not trolling...better.com shows like $7k in points for 2.75 rate and I have excellent credit and ltv
Jun 12, 2020
63 Posts
Joined Jul 2008
Jun 12, 2020
elsaball
Jun 12, 2020
63 Posts
Depends also on location. And they've been advertising good rates on websites like Zillow recently
Jun 12, 2020
857 Posts
Joined Dec 2009
Jun 12, 2020
lodit
Jun 12, 2020
857 Posts
Just a DP to share:

$210k, 2.5% , 15-year, $1000 closing costs (A+B+C), waived prepaids/escrow (pay on our own).

Better said they could only match it, not beat it.

Unfortunately, the rate was locked to get an LE from the lender.

I suppose the $2500 from AMEX makes it a $1500 MM, but I'm reading others getting $1000 credits plus the $2500 AMEX after the fact.

Should I try another company and send it back to Better for reconsideration?

Or am I stuck because I locked with Better already?

Thanks for all the datapoints, this has been a great learning experience!

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Jun 13, 2020
180 Posts
Joined Jun 2017
Jun 13, 2020
RohanM3727
Jun 13, 2020
180 Posts
Any recommendations for title company in texas? Their title charges are very high.

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