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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A+B+C is 1400 and D+I is 2312. A bit ahead after Amex credit
For 20 year 2.75
A+B+C is 1164 and D+I is 2094, with 2200 lender credit. So no cost + full Amex credit
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Usually CC rewards are not taxable because they are considered a rebate/discount on spend. I'm not sure this would qualify as that since it's tied to a task, not any particular spend. It's more similar to a referral, which Amex does issue 1099's for. I'd assume you will receive a 1099 for this.
When you open a checking account with a bonus, i believe the terms very clearly say it is taxable and you get a 1099.
In this case, money does exchange hands during the closing (from or to borrower) , so the argument can be made that that it's a rebate...
We can wait and see next year if they issue a 1099. To be safe indeed we can assume we will
For PR, title insurance and settlement fees are $451 and $495 (as per Better's LE). When I called the title company shown on the LE, they mentioned that this is the lowest rate and I did not shop around.
For my IP (different state), the title insurance and settlement was $1100 and $500. I shopped around and found out that the title insurance ranged between $950 and $1100. After reissue credit, it was around $400-450. The settlement fee in certain states are fixed. I am not sure whether I have to use to title agent in the state where the property is or not.
I believe reissue rate applies only, if you ask for it prior to closing. I dont think you can get refund of title insurance for those properties that you closed few weeks or months ago. I could be wrong.
Never mind, I see it under the LE section in the online portal. Thanks for the heads up.
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