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expiredGreenworld123 posted Dec 08, 2019 02:27 PM
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expiredGreenworld123 posted Dec 08, 2019 02:27 PM

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 16, 2020 07:25 PM
1,396 Posts
Joined Jan 2004
seawolfJun 16, 2020 07:25 PM
1,396 Posts
Quote from zzrayzz :
so you did a reissue on your owners policy? and you shopped for your own lenders title insurance and did not use betters?
Quote from adwi :
What happens with owners title insurance in case of refinance? It has to be bought again or the one taken at the time of first purchase will remain valid?
Prior home owner's title insurance doesn't get affected. Only lender title insurance would need to be reissued.
Jun 16, 2020 07:26 PM
2,521 Posts
Joined Aug 2007
sleekwalletJun 16, 2020 07:26 PM
2,521 Posts
Quote from caveman017 :
IMHO Title insurance is one of the largest scams out there for refinancing.
I feel the same way
Jun 16, 2020 07:44 PM
745 Posts
Joined Nov 2006
vstypicalsJun 16, 2020 07:44 PM
745 Posts
Is it just me or are lenders going out of their way to NOT provide you with a loan estimate? =x
Jun 16, 2020 07:56 PM
119 Posts
Joined Apr 2019
TheDMDJun 16, 2020 07:56 PM
119 Posts
Quote from vstypicals :
Is it just me or are lenders going out of their way to NOT provide you with a loan estimate? =x
The broker from LenderFi tried to avoid giving me a loan estimate.

Just mention that per the TRID law, they're mandated to provide it for you.

He reluctantly gave it but kept on saying "if you promise to lock with us I can provide a LE" . Super aggressive broker
Jun 16, 2020 07:58 PM
745 Posts
Joined Nov 2006
vstypicalsJun 16, 2020 07:58 PM
745 Posts
Quote from TheDMD :
The broker from LenderFi tried to avoid giving me a loan estimate.

Just mention that per the TRID law, they're mandated to provide it for you.

He reluctantly gave it but kept on saying "if you promise to lock with us I can provide a LE" . Super aggressive broker
By law, I guess they do have 3 days.. ugh.
Jun 16, 2020 08:19 PM
1,396 Posts
Joined Jan 2004
seawolfJun 16, 2020 08:19 PM
1,396 Posts
Quote from TheDMD :
The broker from LenderFi tried to avoid giving me a loan estimate.

Just mention that per the TRID law, they're mandated to provide it for you.

He reluctantly gave it but kept on saying "if you promise to lock with us I can provide a LE" . Super aggressive broker
LenderFi is well aware of better's best price match thus the reluctance.
Jun 16, 2020 08:20 PM
119 Posts
Joined Apr 2019
TheDMDJun 16, 2020 08:20 PM
119 Posts
Quote from seawolf :
LenderFi is well aware of better's best price match thus the reluctance.
It's not personal, it's just business 🤷🏽 ♂️

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Jun 16, 2020 08:23 PM
7,505 Posts
Joined Sep 2008
DogAndPonyJun 16, 2020 08:23 PM
7,505 Posts
Quote from seawolf :
My experience earlier this year and last year matched swine's response below. I didn't intent to proceed and after 3 weeks, I got emails to proceed and around 4 weeks, got an email to reapply and the "stale" application disappeared from my account.
Well one thing I think we can all agree with is that Better is not consistent. I just went through my emails again just to ensure I did not get something saying my application was going to be closed due to inactivity and I can confirm that I did not. Nothing.

I applied on February 19. The only other emails I received were my weekly rate report emails. Nothing else. No warning of application timeout. Nothing. I didn't start up the process again until May 17.

So I'm going to try to start an application right before the deadline in July and sit on it until/if rates drop again.
Jun 16, 2020 08:37 PM
1,007 Posts
Joined Mar 2019
CycloneFWJun 16, 2020 08:37 PM
1,007 Posts
Quote from caveman017 :
IMHO Title insurance is one of the largest scams out there for refinancing.
While in general, I agree with you, it is one of those things that doesn't affect me personally too much. In 6 mortgages, the highest title insurance has been for my family has been $300, and half of them were closer to $200. At that cost, it isn't worth it for me to frustrate over.

However, I'd probably sing a different tune for those states where it costs thousands for a title insurance policy.
Jun 16, 2020 08:42 PM
5,324 Posts
Joined Jul 2004
Gdog2004Jun 16, 2020 08:42 PM
5,324 Posts
Quote from flyeaglesfly33 :
Can you explain how you got that? I'm in PA too and that's exactly what I am looking for.
I had another lender price,--(2.62 with 800 in credit)...they beat that, I also am only borrowing 180k with a lot of equity and 830 credit.
Jun 16, 2020 08:43 PM
5,324 Posts
Joined Jul 2004
Gdog2004Jun 16, 2020 08:43 PM
5,324 Posts
Quote from CycloneFW :
While in general, I agree with you, it is one of those things that doesn't affect me personally too much. In 6 mortgages, the highest title insurance has been for my family has been $300, and half of them were closer to $200. At that cost, it isn't worth it for me to frustrate over.

However, I'd probably sing a different tune for those states where it costs thousands for a title insurance policy.
Where do you live ? I have never paid less than 1800 in title costs here in PA.
Jun 16, 2020 08:50 PM
1,007 Posts
Joined Mar 2019
CycloneFWJun 16, 2020 08:50 PM
1,007 Posts
Quote from Gdog2004 :
Where do you live ? I have never paid less than 1800 in title costs here in PA.
NC and previously FL
Jun 16, 2020 08:59 PM
30 Posts
Joined Nov 2014
varun_v16Jun 16, 2020 08:59 PM
30 Posts
For one of the Loan Estimates, the lender is asking to sign the Intent to Proceed? Does that make me liable for any charges? He won't send me the updated LE which I want to send to Better until I've signed this form. Can I give intent and revoke it right after? I haven't signed any LE so far.
Jun 16, 2020 09:01 PM
12 Posts
Joined Jun 2020
tganz1993Jun 16, 2020 09:01 PM
12 Posts
Quote from varun_v16 :
For one of the Loan Estimates, the lender is asking to sign the Intent to Proceed? Does that make me liable for any charges? He won't send me the updated LE which I want to send to Better until I've signed this form. Can I give intent and revoke it right after? I haven't signed any LE so far.
seems sketchy. I got a LE estimate from Guarantee Rate that Better matched by locking in a rate but it contained a no payment clause if i backed out. I have heard that lenders have caught on to the Better/Amex promotion.

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Jun 16, 2020 09:16 PM
1,396 Posts
Joined Jan 2004
seawolfJun 16, 2020 09:16 PM
1,396 Posts
Quote from DogAndPony :
Well one thing I think we can all agree with is that Better is not consistent. I just went through my emails again just to ensure I did not get something saying my application was going to be closed due to inactivity and I can confirm that I did not. Nothing.

I applied on February 19. The only other emails I received were my weekly rate report emails. Nothing else. No warning of application timeout. Nothing. I didn't start up the process again until May 17.

So I'm going to try to start an application right before the deadline in July and sit on it until/if rates drop again.
Maybe a state-specific requirement?

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