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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 15, 2020
1,560 Posts
Joined Aug 2007
Jun 15, 2020
ha-evolution
Jun 15, 2020
1,560 Posts
Quote from polvoprismboy :
So in the span of less than ~64 hours, during mostly non-business hours, you've spammed them with 7 emails? Even during business hours, that's way too many.

Rates right now are super volatile and half of my friends/family/coworkers are trying to refinance, so I bet they're slammed. Just be patient.
Well someone at Better was working last weekend as I received emails as well as a phone call from them! Trying to get me to lock into their noncompetitive rates - no thanks.
Jun 15, 2020
1,412 Posts
Joined Jan 2020
Jun 15, 2020
SiennaDeer8270
Jun 15, 2020
1,412 Posts
Quote from ha-evolution :
Well someone at Better was working last weekend as I received emails as well as a phone call from them! Trying to get me to lock into their noncompetitive rates - no thanks.
Why would you start on a Friday? If you planned properly, you would have started earlier. The fed made their announcement on Wednesday. You had Wednesday and Thurs to get a competitive offer. No one to blame but yourself.
Jun 15, 2020
1,560 Posts
Joined Aug 2007
Jun 15, 2020
ha-evolution
Jun 15, 2020
1,560 Posts
Quote from SiennaDeer8270 :
Why would you start on a Friday? If you planned properly, you would have started earlier. The fed made their announcement on Wednesday. You had Wednesday and Thurs to get a competitive offer. No one to blame but yourself.
I did start on Wednesday. I was in no hurry because I knew there was no way they were going to be close - their initial rate offering was 3.375 with $2,310 in points!

If they don't want to offer loans in my state just say so. I would have to be stupid to even consider a loan like that. I can get 2.5% no points from local banks.

Was trying to get a slickdeal not get ripped off.
Jun 15, 2020
606 Posts
Joined Dec 2013
Jun 15, 2020
cdancer20
Jun 15, 2020
606 Posts
Quote from ha-evolution :
I did start on Wednesday. I was in no hurry because I knew there was no way they were going to be close - their initial rate offering was 3.375 with $2,310 in points!

If they don't want to offer loans in my state just say so. I would have to be stupid to even consider a loan like that. I can get 2.5% no points from local banks.

Was trying to get a slickdeal not get ripped off.
I'm confused at how you got from "them not answering your emails all weekend" to "getting ripped off". I agree with the other poster that you can't be upset that they didn't respond to you over the weekend. Like other jobs, they too have people have only work during the week with weekends off. I would suggest though calling. If you go on your account, you have the option to setup a time for them to call you or you can just call yourself. I've noticed that many times I didn't get timely responses via email.
Jun 15, 2020
2,521 Posts
Joined Aug 2007
Jun 15, 2020
sleekwallet
Jun 15, 2020
2,521 Posts
While shopping for tile insurance, what does the settlement fee entail?

Title - Lender's title insurance
Title - Settlement fee


I'm getting quotes for just the policy and recording but nobody knows what the settlement fee is. Thanks
Jun 15, 2020
745 Posts
Joined Nov 2006
Jun 15, 2020
vstypicals
Jun 15, 2020
745 Posts
Quote from SiennaDeer8270 :
Why would you start on a Friday? If you planned properly, you would have started earlier. The fed made their announcement on Wednesday. You had Wednesday and Thurs to get a competitive offer. No one to blame but yourself.
Sorry, what was that announcement? :X Lol
Jun 15, 2020
1,560 Posts
Joined Aug 2007
Jun 15, 2020
ha-evolution
Jun 15, 2020
1,560 Posts
Quote from cdancer20 :
I'm confused at how you got from "them not answering your emails all weekend" to "getting ripped off". I agree with the other poster that you can't be upset that they didn't respond to you over the weekend. Like other jobs, they too have people have only work during the week with weekends off. I would suggest though calling. If you go on your account, you have the option to setup a time for them to call you or you can just call yourself. I've noticed that many times I didn't get timely responses via email.
You got me mixed up with someone else. It wasn't I that was complaining about them getting back to me - that was kapuju. In fact for me it was just the opposite they kept pestering me to "lock in" their attrocious rate.

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Jun 15, 2020
195 Posts
Joined Nov 2014
Jun 15, 2020
Blockanese
Jun 15, 2020
195 Posts
My A+B+C is $9,147. Rate is 2.625% for 30. Credit is $1,260. Plus I have to put $1,530 down in cash. These numbers seem high. Anyone care to comment?
Jun 15, 2020
606 Posts
Joined Dec 2013
Jun 15, 2020
cdancer20
Jun 15, 2020
606 Posts
Quote from ha-evolution :
You got me mixed up with someone else. It wasn't I that was complaining about them getting back to me - that was kapuju. In fact for me it was just the opposite they kept pestering me to "lock in" their attrocious rate.
Oh my bad.
Jun 15, 2020
2,065 Posts
Joined Aug 2009
Jun 15, 2020
polvoprismboy
Jun 15, 2020
2,065 Posts
Quote from Blockanese :
My A+B+C is $9,147. Rate is 2.625% for 30. Credit is $1,260. Plus I have to put $1,530 down in cash. These numbers seem high. Anyone care to comment?
Do you have any points in Section A? If not, yeah it's pretty high.
Jun 15, 2020
1,560 Posts
Joined Aug 2007
Jun 15, 2020
ha-evolution
Jun 15, 2020
1,560 Posts
Quote from cdancer20 :
Oh my bad.
As a follow-up Better said they couldn't beat (or even match) the LE I sent them. I countered with give me your best offer which did result in something much more competitive.
Jun 15, 2020
745 Posts
Joined Nov 2006
Jun 15, 2020
vstypicals
Jun 15, 2020
745 Posts
LoanLock is giving me 2.625% w/ $1600 in closing costs or 2.75% with $0 closing on a $510,399 loan (max for a conforming loan). On Thursday, the 2.625% was with approximately $400 in closing costs. [30-year fixed]

I think someone said LenderFi was able to get them 2.625% at no cost?
Last edited by vstypicals June 15, 2020 at 04:04 PM.
Jun 15, 2020
745 Posts
Joined Nov 2006
Jun 15, 2020
vstypicals
Jun 15, 2020
745 Posts
The Amex $2500 credit is basically anything Better.com mortgage related that is charged to the card (could be property tax prepaid, homeowners prepaid, etc.)?
Jun 16, 2020
491 Posts
Joined Feb 2012
Jun 16, 2020
Mikey122687
Jun 16, 2020
491 Posts
Competitor Estimate

A+B+C = $9196
E+G+F+H = $3331
D+I = $12,527 - $8,210 = $4317

Better Counter Offer

A+B+C = $1714
E+G+F+H = $3863
D+I = $5577 - $1728 = $3849

Both are $363,000 loan for 2.75% interest rate.

All Better did was moved the loan fees into escrow.

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Jun 16, 2020
69 Posts
Joined Dec 2009
Jun 16, 2020
dealshunter09
Jun 16, 2020
69 Posts
Has anyone tried to refi soon after closing? My title still shows the old paid off loan because the city has not finished recording yet. Anyone else run into this issue?

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