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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ABC=2766
30 year at 3.00
30k cash out on a 300k loan
this was a matched offer and they beat it by 1k
Amex 2500
Good deal?
Anyone knows if I can jump on this account with a new account and a different Amex card?
Rate depends on loan amount, zip code and credit score. Generally, loans under $300k do not have attractive rates compared to $300k plus loans.
As of now, I have no issues with my rental and flood insurance. I haven't closed it. We shall see.
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.
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.
See above.
Would like to try again with the $1k rate match and Amex offer. Based on the terms and conditions for rate match can't have had a rate lock in past 60 days. Based on comments I read here that an application must proceed within 30 days, anyone know if I can try applying before July 25, then present a competitor's LE after August 15 (60 days after yesterday's lock expiration) if this strategy would work out to get rate match as well as amex offer?
Concern though would also be with the several week time lag between applying and rate locking, if the Better agent is unresponsive in the 24 hours after presenting the other LE by which the deal could get away again.
My plan is to start an application prior to July 25 and wait to see if rates drop significantly by the end of October. If they do I will refinance.
My plan is to start an application prior to July 25 and wait to see if rates drop significantly by the end of October. If they do I will refinance.
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The process was simple and easy with Better and technically I could have closed last week if it was not for my 2nd half of tax payment from my current mortgage provider. In summary I could have closed it less than 3 weeks or maybe even 2 weeks which I never experienced. Kudos to Better Team with the exception of "Jimmie Arterberry" who supposed to be my Dedicated Concierge. Jimmie never returned any e-mails or calls to my request even after scheduling sometime with him. If I counted on Jimmie I would never have closed it with Better.
Now the second phase begins - I am surprised to see my loan already before I closed it. It never happened to me and interesting to see how market in this space is heating up. My biggest concern though is - My loan is sold to "The Money Source" based in Dallas. A quick Google led me to worry significantly with their poor and unprofessional customer services. Have you guys had any of your loan sold to The Money Source (TMS)? If so, can you share how long it has been since the loan was sold and your experience with them? Based on google reviews, I am thinking to cancel this loan with Better or force them to sell to someone else? Any thoughts or ideas related to this?
Over all process seem to be simple and easy.
Thanks OP and the SD community that helped me to get to this point.
Mine specifically said an appraisal deposit of $0 when I locked.
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Mine specifically said an appraisal deposit of $0 when I locked.
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