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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.
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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9.8K Comments

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Jun 16, 2020 9:23 PM
607 Comments
Joined Dec 2013
cdancer20Jun 16, 2020 9:23 PM
607 Comments
Quote from CycloneFW View quoted comment :
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.
Quote from CycloneFW View quoted comment :
NC and previously FL
Wow. My title insurance here in Florida was definitely over $1000. Close to $2000 if I wouldn't have had the reissue credit.
Jun 16, 2020 9:29 PM
1K Comments
Joined Mar 2019
CycloneFWJun 16, 2020 9:29 PM
1K Comments
Quote from cdancer20 View quoted comment :
Wow. My title insurance here in Florida was definitely over $1000. Close to $2000 if I wouldn't have had the reissue credit.
Things easily could have changed in twelve years. However, looking at my HUD-1 from Feb 2008, the title insurance policy was $350.
Jun 16, 2020 9:30 PM
7.7K Comments
Joined Sep 2008
DogAndPonyJun 16, 2020 9:30 PM
7.7K Comments
Quote from seawolf View quoted comment :
Maybe a state-specific requirement?
Yeah, that could be it. I'm in Texas. Actually I started the process in Florida and then moved to Texas.
Jun 16, 2020 9:38 PM
745 Comments
Joined Nov 2006
vstypicalsJun 16, 2020 9:38 PM
745 Comments
Ugh, Better is so useless without an LE. They won't even give their best rate other than what's currently provided by the system. 3.5% with $12000 in points when I current have a 3.375% already. smh.
Jun 16, 2020 9:45 PM
69 Comments
Joined Dec 2009
dealshunter09Jun 16, 2020 9:45 PM
69 Comments
Anyone try to refi less than a month after a previous refi? Did you have any title issues where the old loan was still on the title?
Jun 16, 2020 10:03 PM
350 Comments
Joined Jun 2012
flyeaglesfly33Jun 16, 2020 10:03 PM
350 Comments
Quote from Gdog2004 View quoted comment :
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.
Mind sharing or PM'ing the lender?
Jun 16, 2020 10:05 PM
1K Comments
Joined Jul 2010
YugeJun 16, 2020 10:05 PM
1K Comments
Quote from Gdog2004 View quoted comment :
Where do you live ? I have never paid less than 1800 in title costs here in PA.
And you can't reissue title in PA.

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Jun 16, 2020 10:05 PM
1.8K Comments
Joined May 2006
baronvdbJun 16, 2020 10:05 PM
1.8K Comments
My better.com guy is trying to match the competing lender by including the $2500 Amex credit in the calculation. I thought they'd match rate, beat ABC by $1000 and then I'd get the $2500 Amex credit on top of that.

Am I wrong?
Jun 16, 2020 10:07 PM
60 Comments
Joined May 2020
arleylJun 16, 2020 10:07 PM
60 Comments
Quote from Yuge View quoted comment :
When do you see the task?
Quote from Yuge View quoted comment :
When do you see the task?
right before getting closing disclosures.
Jun 16, 2020 10:11 PM
2.6K Comments
Joined Feb 2008
LeaninBack916Jun 16, 2020 10:11 PM
2.6K Comments
So im back again to refi again with my green card. Trying to land the 2.5%/15 year... looks like rates ticked up today on a 15. Tried aim loans, lenderfi, all were higher than yesterday. Anyone get a recent good rate lock... if so, mind PM'n me a lender?
Jun 16, 2020 10:11 PM
607 Comments
Joined Dec 2013
cdancer20Jun 16, 2020 10:11 PM
607 Comments
Quote from baronvdb View quoted comment :
My better.com guy is trying to match the competing lender by including the $2500 Amex credit in the calculation. I thought they'd match rate, beat ABC by $1000 and then I'd get the $2500 Amex credit on top of that.

Am I wrong?
They won't always beat or match. That's why they have the other $1000 policy in there that they will pay you if you close with a different lender after they couldn't compete with the offer. In my case, they could only match but they did mention the $2500 deal as a kicker.
Jun 16, 2020 10:13 PM
60 Comments
Joined May 2020
arleylJun 16, 2020 10:13 PM
60 Comments
Quote from baronvdb View quoted comment :
My better.com guy is trying to match the competing lender by including the $2500 Amex credit in the calculation. I thought they'd match rate, beat ABC by $1000 and then I'd get the $2500 Amex credit on top of that.

Am I wrong?
I would say the Amex 2500 should be cherry on top. They should beat ABC
by 1000
Jun 16, 2020 10:14 PM
2.1K Comments
Joined Aug 2009
polvoprismboyJun 16, 2020 10:14 PM
2.1K Comments
For all those trying to get LE from other lenders, do NOT sign anything and do NOT submit any docs. The most you should be doing is filling out information about your occupation, assets, etc. and giving your SSN for tax pulls. If they're asking for docs or wanting you to sign something, they're likely trying to rope you into their rate. Just be vigilant and if that doesn't work, find another lender.
Jun 16, 2020 10:24 PM
180 Comments
Joined Dec 2004
brownsquirrelJun 16, 2020 10:24 PM
180 Comments
Got my $2500 credit today.

Locked in my rate and had a competing loan estimate matched on April 28. Loan was funded on May 14. Credit received on June 16.

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Jun 16, 2020 10:25 PM
43 Comments
Joined Nov 2011
JohnC14Jun 16, 2020 10:25 PM
43 Comments
Quote from dealshunter09 View quoted comment :
Anyone try to refi less than a month after a previous refi? Did you have any title issues where the old loan was still on the title?
I'm doing that now. Previous refi close on 5/13, just locked again on 6/12 with the same property and going through the process. Title report was just ordered yesterday and have not heard back on any issue yet.

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