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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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9,848 Comments

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Jun 18, 2020
73 Posts
Joined Nov 2015
Jun 18, 2020
ans0n
Jun 18, 2020
73 Posts
Quote from TheDMD :
I'm in texas. Better assigned me Radian..
Title - Endorsements $192
Title - Guaranty fee $2
Title - Lender's title insurance $2,337
Title - Settlement fee $225
Title - Tax certificate $75

i asked for the reissue rate of the title but they haven't updated that yet. this seems really high.
I was in same boat as you couple of weeks ago (in TX). Hence, I sent them a competing title quote from https://www.titleclose.com/. It took them about a week but they increased the LC to match the difference. Eventually, when the final CD was issued prior to closing, Radian changed their rates to reissue rates and hence, I came out ahead because they had increased the LC earlier. Hope this information helps.

BTW, I closed on 6/11 and loan was funded on 6/16. Rate was 2.5% for 15 years.
Jun 18, 2020
1,773 Posts
Joined May 2006
Jun 18, 2020
baronvdb
Jun 18, 2020
1,773 Posts
Quote from xtalxpert :
I don't have Amex card, did this $2500 offer work for anyone who just opened the Amex credit card account, and the next day applied for a mortgage through better.com?
I'm counting on that. From what I can tell the offer is available to any Amex card holder (as long as the card isn't a co-branded card). I applied for the Amex card last week and I'm in the process of doing my refi now. Fully expect to get the credit. The amex offer has been referenced in some of the email communication with better so that also makes me pretty sure I'm good to go.
Jun 18, 2020
83 Posts
Joined Sep 2010
Jun 18, 2020
usainbolt
Jun 18, 2020
83 Posts
Anyone can share the rates for 15yr currently in the last day or two? And lender as well. Thanks
Jun 18, 2020
489 Posts
Joined Feb 2012
Jun 18, 2020
Mikey122687
Jun 18, 2020
489 Posts
Quote from mnagesw :
Yes. After locking they changed/matched two times.
Is this true? even after locking and you've submitted everything. They can still match again?
Jun 18, 2020
215 Posts
Joined Aug 2005
Jun 18, 2020
jk97
Jun 18, 2020
215 Posts
I have AMEX card but I am an authorized user on credit card.
Do I still qualify for $2500 statement credit ?
Last edited by jk97 June 17, 2020 at 09:03 PM.
Jun 18, 2020
60 Posts
Joined May 2020
Jun 18, 2020
arleyl
Jun 18, 2020
60 Posts
Quote from njdealguy :
Umm because rates and terms are often better when agree to escrow? I've been successful in removing it a few months later with actual servicer.
It depends on your ltv. If ltv is low enough (how low? That idk) the rates and credit/ points won't change.
Jun 18, 2020
1,005 Posts
Joined Mar 2019
Jun 18, 2020
CycloneFW
Jun 18, 2020
1,005 Posts
Quote from jk97 :
I have AMEX card but I am an authorized user on credit card.
Do I still qualify for $2500 statement credit ?
No. One of the loan applicants must be the primary owner of the Amex.

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Jun 18, 2020
5,841 Posts
Joined Nov 2004
Jun 18, 2020
corenom
Jun 18, 2020
5,841 Posts
How do you add your AMEX card to the offer?
Jun 18, 2020
6,123 Posts
Joined Jun 2005
Jun 18, 2020
PhantasmX
Jun 18, 2020
6,123 Posts
Quote from corenom :
How do you add your AMEX card to the offer?
You don't "add" anything. Follow the link on the first page.
Jun 18, 2020
1,412 Posts
Joined Jan 2020
Jun 18, 2020
SiennaDeer8270
Jun 18, 2020
1,412 Posts
Quote from njdealguy :
And that 20k has to be paid in any case, escrow or not. I know that escrow can suck especially when are asked to overpay some reserve amounts on top of what's actually due. However would you give up 2k in lender credits or accept an interest rate of .125% higher to remove escrow (or take the chance that some months down the line after closing can again remove it)? That was the difference quoted to me for a 500k 30 yr loan with LoanDepot
People paying 20k in taxes and insurance are typically in houses that appreciate heavily and have an extremely low ltv like 30% or lower. Escrow doesnt save you anything in those cases. Plus 20k paid half a year early is a big deal. Throw it into tsla and it will become 40k in a month.
Jun 18, 2020
38 Posts
Joined May 2012
Jun 18, 2020
YuvrajSingh
Jun 18, 2020
38 Posts
Quote from psmoove :
After 4 weeks, I am finally closing with Better on Friday. I was not happy with the title company they used (Title365) as there were numerous delays during the process. I had initially wanted to use my own title company but Better convinced me not to because they said it would delay the process. Well, it eventually got delayed anyway. I complained and they issued me another $250 in lender credits as a recourse.

Aside that, it was a fairly smooth process. Good communication from their employees throughout. Happy with the rate that we are getting (2.5%, 15 year) and I received enough lender credits that will pay for all costs and most of the prepaids. And of course the $2500 Amex credit is just icing on top. Thanks to this thread for all the tips and advice!
What is the loan amount ? How much credits did they give and what state ?
Jun 18, 2020
38 Posts
Joined May 2012
Jun 18, 2020
YuvrajSingh
Jun 18, 2020
38 Posts
Quote from arl16 :
Has anyone tried to match against a lower LE 2nd or 3rd time after closing? I just signed contract and about to lock rate with Better. Wondering if I should immediately get matched the lowest rate I currently have from competitor or wait in case I can get a better rate to match?
Dont try too many times.. Wait till the end ..Second time they shot down..
Jun 18, 2020
274 Posts
Joined Jul 2017
Jun 18, 2020
arl16
Jun 18, 2020
274 Posts
Anyone knows of good Lenders to price match here in Charlotte NC or SouthEast?
Jun 18, 2020
274 Posts
Joined Jul 2017
Jun 18, 2020
arl16
Jun 18, 2020
274 Posts
Quote from YuvrajSingh :
Dont try too many times.. Wait till the end ..Second time they shot down..
Thanks and they will still match after rate lock?

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Jun 18, 2020
135 Posts
Joined Nov 2008
Jun 18, 2020
mnagesw
Jun 18, 2020
135 Posts
Quote from Mikey122687 :
Is this true? even after locking and you've submitted everything. They can still match again?
Yes. I initially locked at 2.5% with $1.5K in points paid by me. After a week, I negotiated on points to reduce it to $500. At the end, I pushed back closing date and submitted another loan estimate - which they matched. I ended up closing at 2.375%, 15 years, No points. Thinking about it again - I would wait until the end, get the best loan estimate and do it once.

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