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expired Posted by Greenworld123 • Dec 8, 2019
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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Jun 17, 2020
34 Posts
Joined Jan 2011
Jun 17, 2020
tuck3979
Jun 17, 2020
34 Posts
Quote from baronvdb :
That's really good! My loan is under $300k which I think may be the reason they can't go lower--I already tried pushing for lower cost (I didn't have a competing LE for a rate lower than 2.375%) but they said "the company only goes down to a certain point on margin for each file" and I'd hit that point.

Where did you get the 2.25% completing LE from?
Interesting story actually, I brought them a no-cost 2.625% 30year from Lenderfi which was pretty great (started with a UWM broker). Better refused to match so then I simply asked for their best offer. They updated their rate tables (per my link) and told me that was the best they could do. I clicked on the 15 year and saw those numbers, when I was in the market for a 30 year originally. Keep in mind that once they update their rate tables you can jump around the other tabs and see what they have. They were also offering a 2.75% 20 year with 6k credit.
Jun 17, 2020
1,773 Posts
Joined May 2006
Jun 17, 2020
baronvdb
Jun 17, 2020
1,773 Posts
Quote from Mikey122687 :
What's ABC and Credit looks like?
ABC is $2319 minus $350 credit $1,969.

Quote from Evils :
Wow! I closed a very similar mortgage sum on 15yrs for 2.875%!

What's your scores etc.?
Credit scores? 830+

Quote from Gdog2004 :
Thats pretty good! What state ?
Florida
Jun 17, 2020
1,773 Posts
Joined May 2006
Jun 17, 2020
baronvdb
Jun 17, 2020
1,773 Posts
Quote from tuck3979 :
Interesting story actually, I brought them a no-cost 2.625% 30year from Lenderfi which was pretty great (started with a UWM broker). Better refused to match so then I simply asked for their best offer. They updated their rate tables (per my link) and told me that was the best they could do. I clicked on the 15 year and saw those numbers, when I was in the market for a 30 year originally. Keep in mind that once they update their rate tables you can jump around the other tabs and see what they have. They were also offering a 2.75% 20 year with 6k credit.
Very interesting. I just locked a little while ago so I can't see the tables anymore. Wish I wouldn't have looked even though I wanted a 15 year. Would have been interesting to see what they 20 year offer was. Oh well.
Jun 17, 2020
34 Posts
Joined Jan 2011
Jun 17, 2020
tuck3979
Jun 17, 2020
34 Posts
Quote from baronvdb :
Very interesting. I just locked a little while ago so I can't see the tables anymore. Wish I wouldn't have looked even though I wanted a 15 year. Would have been interesting to see what they 20 year offer was. Oh well.
ask whoever you're working with to see the table. Say you forgot to take a screenshot and that you wanted to quickly look over the other options. You can still change your mind. Technically by locking all you did was lock the rate table. You're so early in the process that you can switch to another term and another rate/credit with hardly any hassle. I recommend at least looking at it. They should have the tables internally for you even though its blocked out on the website.
Jun 17, 2020
5,310 Posts
Joined Jul 2004
Jun 17, 2020
Gdog2004
Jun 17, 2020
5,310 Posts
Quote from tuck3979 :
ask whoever you're working with to see the table. Say you forgot to take a screenshot and that you wanted to quickly look over the other options. You can still change your mind. Technically by locking all you did was lock the rate table. You're so early in the process that you can switch to another term and another rate/credit with hardly any hassle. I recommend at least looking at it. They should have the tables internally for you even though its blocked out on the website.
My Loan rep texted me a screenshot of my pricing/table.
Jun 17, 2020
45 Posts
Joined Apr 2020
Jun 17, 2020
MrDioji
Jun 17, 2020
45 Posts
Quote from tuck3979 :
ask whoever you're working with to see the table. Say you forgot to take a screenshot and that you wanted to quickly look over the other options. You can still change your mind. Technically by locking all you did was lock the rate table. You're so early in the process that you can switch to another term and another rate/credit with hardly any hassle. I recommend at least looking at it. They should have the tables internally for you even though its blocked out on the website.
Does this apply even if they are doing price match/beat? I feel like they just worked up that one rate and term based on the competitor LE rate and term that I provided. Would love to see other rates and terms though, on par with what they matched
Pro
Jun 17, 2020
5,205 Posts
Joined Feb 2008
Jun 17, 2020
unlvrebels
Pro
Jun 17, 2020
5,205 Posts
Quote from varun_v16 :
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.
Many including myself do not agree with your realtor's comment regarding online lenders. As long as you choose good online lenders (such as Better, AIMLoan, LoanDepot), you won't have any issue.

Quote from HotNerd :
Anyone have luck finding competitive rates for loans under $300k? I'm seeing few competing rates below $300k even on Zillow and Bankrate . I'm located in GA if that helps.
Rate depends on loan amount, zip code and credit score. Generally, loans under $300k do not have attractive rates compared to $300k plus loans.

Quote from PhantasmX :
My refinancing for the rental fell through. They demanded that I carry flood insurance with escrow even though the property is in a zone X designation. Agent said no control over that. I told them no thanks. It would defeat my purpose of refinancing.
As of now, I have no issues with my rental and flood insurance. I haven't closed it. We shall see.

Quote from sleekwallet :
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
Underwriters charge for title insurance (could be $800-1500). You can get reissue credit. Title Agents does paperwork and they typically chooses an underwriter. Tile agents charge title settlement fee (typically around $500-700). Recording fee is a separate expense.


Quote from vstypicals :
Do you need to use the link provided in the original post to get the Amex credit? I forgot to use the link when I was getting preapproved by Better.com. =/
If you use the link, you will see AMEX at the bottom left while entering information at Better website. Once you submitted the information, you will get an email from Better mentioning about AMEX promo. In addition, your lender estimate will not have appraisal fee. If you missed clicking the link, you can delete the application and signup using different email ID.


Quote from sleekwallet :
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
See above.

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Jun 17, 2020
34 Posts
Joined Nov 2011
Jun 17, 2020
fatusr
Jun 17, 2020
34 Posts
What are good rates on jumbo loans Refi?
I locked on 2.75% 30 years for 650k loan from local CU. Prior to this, I locked with better at 3% and they refused to match 2.75%
Jun 17, 2020
745 Posts
Joined Nov 2006
Jun 17, 2020
vstypicals
Jun 17, 2020
745 Posts
Quote from unlvrebels :
If you use the link, you will see AMEX at the bottom left while entering information at Better website. Once you submitted the information, you will get an email from Better mentioning about AMEX promo. In addition, your lender estimate will not have appraisal fee. If you missed clicking the link, you can delete the application and signup using different email ID.
I deleted my application, and reapplied, but used the same email. Do you know for sure I need to use a new one? I never got the email from Better about Amex Promo, but the Concierge person said they do see that it was an Amex promo application.
Jun 17, 2020
41 Posts
Joined Nov 2011
Jun 17, 2020
JohnC14
Jun 17, 2020
41 Posts
Quote from seawolf :
What about best price match? Are they offering that as funding on prior better loan is under 6 months excludes price match as per best price T&C?
I matched the first time with fee sheet, hence did not get the $1000 price match. Second time I matched with a loan estimate, and was able get the $1000 discount on top fo the match, + Amex credit. Still waiting for the first Amex credit to come.
Jun 17, 2020
2,431 Posts
Joined Feb 2013
Jun 17, 2020
KevoD
Jun 17, 2020
2,431 Posts
Quote from lboskibear :
Just finished and mine was exactly a 2-week process.
Applied and then locked my rate on 4/14.
Appraisal was scheduled and then waived.
Closing/Signing was on 4/28
Funded on 5/4
As to the Amex offer - I applied via the link, received an email confirmation, was asked for my Amex card info prior to close and actually received an email from my "concierge" after closing that congratulated me on closing and I should expect my Amex credit in 8-12 weeks.
All in all, a quick and painless process.
Received an email yesterday from The Money Source and set-up my first payment so all is done.
Any update on whether you got the credit? Also, did you activate the Amex offer in your account? Or just apply via the link?
Jun 17, 2020
2,431 Posts
Joined Feb 2013
Jun 17, 2020
KevoD
Jun 17, 2020
2,431 Posts
deleted
Last edited by KevoD June 17, 2020 at 12:36 AM.
Jun 17, 2020
398 Posts
Joined Jul 2013
Jun 17, 2020
Golfer2000
Jun 17, 2020
398 Posts
So I completed the tasks and was about to pay for the appraisal on a refi when I noticed this deal. I tried to delete the application but it still appears. Is it too late to get this deal?
Jun 17, 2020
370 Posts
Joined May 2009
Jun 17, 2020
icecube4u
Jun 17, 2020
370 Posts
Do they ask for full credit card number or just last 5 digits before closing?

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Jun 17, 2020
2,021 Posts
Joined Feb 2008
Jun 17, 2020
stm69
Jun 17, 2020
2,021 Posts
Quote from icecube4u :
Do they ask for full credit card number or just last 5 digits before closing?
Last 5.

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