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Greenworld123 1.4M Views
Dec 8, 2019 2:27 PM

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.
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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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9.8K Comments

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Jun 14, 2020 2:48 PM
2 Comments
Joined May 2020
SociableGuitar2633Jun 14, 2020 2:48 PM
2 Comments
Update on statement credit.

I closed my loan on April 15 and received the statement credit on 6/12.
Jun 14, 2020 2:52 PM
395 Comments
Joined Apr 2016
physio1213Jun 14, 2020 2:52 PM
395 Comments
What are the best 15 yr fixed rates going on today. I got one for 2.375% with $980 closing +escrow+ Amex credit from better. Is that a good rate to close? Thanks
Jun 14, 2020 2:54 PM
5.2K Comments
Joined Feb 2008
unlvrebelsJun 14, 2020 2:54 PM
5.2K Comments
Quote from cyno View quoted comment :
Thanks. I tried LoanDepot earlier but they wanted to pull the credit report and the rate they offered before the pull was not appealing, I will give a try again.
I spoke with LoanDepot rep and gave him my mid credit score to get rate information.It was not great.

Quote from vega07 View quoted comment :
I had this offer added earlier this year and I remember it said expires sometime in July...now I can't find it on my Amex app anymore. Am I still eligible?
Quote from kapuju View quoted comment :
I'm in the same boat. Does anyone know?
Very few received direct emails or offers from AMEX. Many used the link. Myself and few others called and spoke with AMEX rep and they confirmed that any card holder who uses the link is eligible. As always there is no guarantee without confirmation from AMEX. Better says when a lender estimate does not have appraisal fee and if we receive an email from Better saying that we are elibile to get AMEX credit after creating an account, we will get credit most likely. Once the loan is closed, Better sends fund to AMEX and we get $2500 credit from AMEX.

Quote from Noirish View quoted comment :
Any lenders offer investment property refi @ 3.5% or lower with almost no cost?
Quote from SDRebel View quoted comment :
For my investment I got a full percentage point higher than my primary...and it's actually higher than what i already have (4%)
Try AimLoan and Closeyourownloan. I used AIMLoan online estimate to pricematch to Better. Not many offer good deal to investment property. It also depends upon amount, zipcode and credit score.

I paid $2400 in points during Nov 2019 and obtained a cash-out refinance for my investment property (3.625% for 15 years). I would not have tried again if there was no AMEX credit.

Right now, Better after PM to AIMLoan gave me 3.25% for 15 years (no-cashout) with about $1700 closing cost (without prepaid and escrow). Hopefully, I will get $2500 AMEX credit.

Quote from SDRebel View quoted comment :
How can you see the rate table?
Once you sign up for an account, you will see rates and points. It will get updated after price match. You won't see this table after locking the rate. However, you can talk with their rep and chose some other points (from the table you locked).

Quote from MBster View quoted comment :
Curious - I'm supposed to close this coming Tuesday - have an appointment set up for their notary to come by the house to sign docs. I have $7K in closing ($1800 in fees and the rest in escrow) to pay for. How/what is the process for paying the $7K? Can I put it all on credit card, check, wire, etc.? Do I have a choice? Also, what exactly does the closing process entails aside from my wife and I signing in front of notary? Do we need a third person to witness (would be problematic) etc?
A mobile notary can meet you at any location (typically your house). You need to show ID and give a photocopy. A third person as a witness is not required. Typically, based on the amount that you bring to the table, they will offer you choices: personal check for smaller amount and cashiers check for a large amount.
Jun 14, 2020 3:11 PM
3.7K Comments
Joined Dec 2007
iahawks550Jun 14, 2020 3:11 PM
3.7K Comments
Quote from physio1213 View quoted comment :
What are the best 15 yr fixed rates going on today. I got one for 2.375% with $980 closing +escrow+ Amex credit from better. Is that a good rate to close? Thanks
Yes, that's a good rate
Jun 14, 2020 3:14 PM
10.4K Comments
Joined Dec 2006
Switching2GeicoJun 14, 2020 3:14 PM
10.4K Comments
For owning.com. They dont offer 20 year mortgage. Fyi.

Anyone know if lender fi gives an estimate without pull?

Also my loan amount is 560k. It seems i wont get a good rate unless i pAy it down to 510k.

Im in california. Anyone find a good rate on 560k for 20 year loan?
Last edited by Switching2Geico June 14, 2020 at 08:21 AM.
Jun 14, 2020 3:17 PM
1K Comments
Joined Mar 2019
CycloneFWJun 14, 2020 3:17 PM
1K Comments
Quote from SDRebel View quoted comment :
How can you see the rate table?
If you haven't locked, it's on the left Nav and you can pick which term, escrow or not, and how many points.

Take screenshots before you lock because you cannot see the rate table once you lock.

If you have already locked, you loan concierge/officer can send you screenshots of the rate table as they still can see it on their side.
Jun 14, 2020 3:26 PM
643 Comments
Joined Feb 2007
techoinJun 14, 2020 3:26 PM
643 Comments
what's the trick to talk to one of their loan consultant? my Concierge is not available over weekend and I wanted to see if they can match today but their front line rep keeps telling me only assigned Concierge can help me and need to wait

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Jun 14, 2020 3:50 PM
12 Comments
Joined Jun 2020
tganz1993Jun 14, 2020 3:50 PM
12 Comments
Quote from Switching2Geico View quoted comment :
For owning.com. They dont offer 20 year mortgage. Fyi.

Anyone know if lender fi gives an estimate without pull?
I am wondering the same thing. It ask for SSN number but does not indicated if its a hard or soft pull.
Jun 14, 2020 3:52 PM
12 Comments
Joined Jun 2020
tganz1993Jun 14, 2020 3:52 PM
12 Comments
Quote from techoin View quoted comment :
what's the trick to talk to one of their loan consultant? my Concierge is not available over weekend and I wanted to see if they can match today but their front line rep keeps telling me only assigned Concierge can help me and need to wait
I got a LE from another company super late Friday night. I sent it to my concierge first thing Saturday and have not heard anything from them.
Jun 14, 2020 3:54 PM
643 Comments
Joined Feb 2007
techoinJun 14, 2020 3:54 PM
643 Comments
Quote from tganz1993 View quoted comment :
I got a LE from another company super late Friday night. I sent it to my concierge first thing Saturday and have not heard anything from them.
Same here. Called few times but no luck so far. hope they accept fridays LE on Monday
Jun 14, 2020 4:02 PM
12 Comments
Joined Jun 2020
tganz1993Jun 14, 2020 4:02 PM
12 Comments
Quote from techoin View quoted comment :
Same here. Called few times but no luck so far. hope they accept fridays LE on Monday.
Quote from techoin View quoted comment :
Same here. Called few times but no luck so far. hope they accept fridays LE on Monday
Where did you get a quote from? just curious.
Jun 14, 2020 4:33 PM
24 Comments
Joined Feb 2012
coolj990Jun 14, 2020 4:33 PM
24 Comments
Quote from SociableGuitar2633 View quoted comment :
Update on statement credit.

I closed my loan on April 15 and received the statement credit on 6/12.
Thx for the DP... I'm 2 weeks behind you, closed 4/30 and waiting
Jun 14, 2020 5:28 PM
30 Comments
Joined Nov 2014
varun_v16Jun 14, 2020 5:28 PM
30 Comments
Questions for people who closed on a new purchase with better.com - any hiccups in the process? My realtor keeps saying to use a local lender because online ones will mess up and we might not close in time. I am FTHB in Chicago and closing late July. I have most of the paperwork in order and it doesn't seem like there will be any issues.

Also, which rate would you choose to rate match and why? Loan amount 510,000, 30 year conventional. Closing cost same as it's the same company. I plan to stay about 5 years.
1. 3 % (3.037 APR) 0 points.
2. 3.125 % (3.162 APR) $5100 credit.
Jun 14, 2020 5:29 PM
30 Comments
Joined Nov 2014
varun_v16Jun 14, 2020 5:29 PM
30 Comments
Double posted

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Jun 14, 2020 5:32 PM
1K Comments
Joined Mar 2019
CycloneFWJun 14, 2020 5:32 PM
1K Comments
Quote from varun_v16 View quoted comment :
Also, which rate would you choose to rate match and why? Loan amount 510,000, 30 year conventional. Closing cost same as it's the same company. I plan to stay about 5 years.
1. 3 % (3.037 APR) 0 points.
2. 3.125 % (3.162 APR) $5100 credit.
Option 2

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