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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Am I doing the math right? If not, I think this might be my greatest SD of all time.
https://better.com/content/ny-guide-cema-loan/
https://better.com/content/ny-guide-cema-loan/
well i went in this knowing i only want to do a CEMA. better's atty's reached out already via our 'processing expert' and ive signed the form to give them auth to proceed with the CEMA. Just a waiting game now........ i expect/hope itll take 8 weeks realistically which leaves me with like 1-2 weeks of rate lock left to close. it'll be tight
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I'm about to close a refi @ 2.875% 30 yr fixed - plus a $1494 credit - plus the $2500 AMEX.
Just got my closing disclosure.
A+B+C on the closing disclosure, combined == $1100. +$90 in recording fees == $1190.
So they're paying me around $300 PLUS the $2500 AMEX credit to refi.
What a SD.
- Lender's Title Insurance: There are few big underwriters (such has First American Title Insurance Company, Chicago Title Insurance Co, Fidelity National Title Insurance Company; just go their website and get pricing after reissue credit) who provides this service. The cost depends upon property value, zipcode and insurance company. It is $950 (max around $1200) for my property. I am eligible for a reissue credit of about $450 (since I refinanced during Nov 2019). I just provided a copy of previous title insurance document. Some companies have their own offices locally. Else they work with independent agents (who work with many underwriters).
- Title Settlement Fee: The Title Company/Agent does paperwork. They charge a flat fee ($450-700 or more). In some states, their fee is fixed. They get title insurance pricing information from various underwriters and will choose one.
- Go to this site and look for various tile insurance companies for your zipcode. You can call them (or visit their website) and get pricing and reissue credit information:
https://www.homeclosing
- Checkout Title Forward (Redfin). Services few states such as for Colorado, Florida, Georgia, Illinois, Maryland, Minnesota, New Jersey, Pennsylvania, Tennessee, Texas, Virginia, Washington D.C., and Wisconsin. They have good rates. However their website gives quote for states where they dont service also.
https://www.titleforwar
Check out this from ABC news:
https://abcnews.go.com/Business/h...t%20common.
"If you are refinancing -- or buying a house that the seller purchased less than 10 years ago -- the reissue rate is available to you. The idea is that a shorter time period means a shorter title search so a "shorter" fee is in order. The discount ranges from 25 to 60 percent off, with 40 percent being the most common.
Here's the rub: Many title companies won't offer the reissue rate unless you ask, and believe it or not, the government doesn't require them to. So ask. Inquire. Demand! In order to qualify for the reissue rate, you may have to provide proof that there is a valid title insurance policy in place. If you are refinancing, that's easy. Just dig up your old policy. If you are buying, ask the seller if they can provide a copy of their title policy. Most sellers will happily do this because they are asking the same favor of whomever they are buying their next house from."
Thanks for that info. Better is quoting me $1,150 for both title insurance and settlement. I called a couple of local title companies and they all quoted me just for the policy ($550) and some minor recording fees (around $100). I asked about the title settlement fees and they all told me that escrow should charge me for that not them. Am I missing something?
Thanks in advance
LenderFi actually gave me a no cost 2.625% 30year, Better refused to beat it but offered the attached rate sheet instead. After I saw the 15 years now i'm really torn. need to decide asap.
https://imgur.com/a/DPfMq1y
LenderFi actually gave me a no cost 2.625% 30year, Better refused to beat it but offered the attached rate sheet instead. After I saw the 15 years now i'm really torn. need to decide asap.
https://imgur.com/a/DPfMq1y
congrats, both of them look pretty good. I would go with better on the 30 year
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