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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
633 Posts
Joined Feb 2007
Jun 18, 2020
techoin
Jun 18, 2020
633 Posts
Quote from ans0n :
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.
did you send the quote to closing expert or Concierge?
Jun 18, 2020
62 Posts
Joined Dec 2010
Jun 18, 2020
psmoove
Jun 18, 2020
62 Posts
Quote from YuvrajSingh :
What is the loan amount ? How much credits did they give and what state ?
$392K loan amount, CA, $3,500 in loan credits.
Jun 18, 2020
37,299 Posts
Joined Aug 2007
Jun 18, 2020
fyu
Jun 18, 2020
37,299 Posts
Quote from SiennaDeer8270 :
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.
why even bother buying a house then? take out a loan and throw everything in tsla.
Jun 18, 2020
4,782 Posts
Joined Aug 2006
Jun 18, 2020
huge
Jun 18, 2020
4,782 Posts
So has anyone received a second $2500 credit for doing it again?
Jun 18, 2020
489 Posts
Joined Feb 2012
Jun 18, 2020
Mikey122687
Jun 18, 2020
489 Posts
Quote from mnagesw :
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.
I'm assuming you filled out all paperworks, they ordered your title and then ask for another price match?
Jun 18, 2020
256 Posts
Joined Feb 2018
Jun 18, 2020
njdealguy
Jun 18, 2020
256 Posts
Quote from fyu :
why even bother buying a house then? take out a loan and throw everything in tsla.
Perhaps throwing 20k into TSLA put options has better odds. I think its nuts if you think by next month TSLA will double from the current $1k per share price, as you imply!
Jun 18, 2020
2,444 Posts
Joined Feb 2006
Jun 18, 2020
johnec4
Jun 18, 2020
2,444 Posts
Quote from PhantasmX :
You don't "add" anything. Follow the link on the first page.
So as long as I'm logged into my AMEX account and I follow the link and it works for me to get to better.com I am qualified?

I don't really want to begin the process if I'm not qualified.

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Jun 18, 2020
489 Posts
Joined Feb 2012
Jun 18, 2020
Mikey122687
Jun 18, 2020
489 Posts
Quote from njdealguy :
Perhaps throwing 20k into TSLA put options has better odds. I think its nuts if you think by next month TSLA will double from the current $1k per share price, as you imply!
Jefferies just raised target price to $1200 from $650 so yea, it's rocketing.
Jun 18, 2020
230 Posts
Joined Jul 2007
Jun 18, 2020
bluesi00
Jun 18, 2020
230 Posts
Quick question. If I already locked my rate with better.com , can they still match a competitor loan estimate? Or once it's locked it's too late to match a competitor ?
Jun 18, 2020
6,123 Posts
Joined Jun 2005
Jun 18, 2020
PhantasmX
Jun 18, 2020
6,123 Posts
Quote from johnec4 :
So as long as I'm logged into my AMEX account and I follow the link and it works for me to get to better.com I am qualified?

I don't really want to begin the process if I'm not qualified.
You don't need to go through AMEX site. Click on the link on the first page is all you have to do to get started.
Jun 18, 2020
135 Posts
Joined Nov 2008
Jun 18, 2020
mnagesw
Jun 18, 2020
135 Posts
Quote from Mikey122687 :
I'm assuming you filled out all paperworks, they ordered your title and then ask for another price match?
That is correct
Jun 18, 2020
1,536 Posts
Joined Dec 2010
Jun 18, 2020
daw4888
Jun 18, 2020
1,536 Posts
Where is everyone finding the better rates to price match with?
Jun 18, 2020
2,977 Posts
Joined Oct 2004
Jun 18, 2020
iridium
Jun 18, 2020
2,977 Posts
Quote from ptmtctetpstmstcstest :
Reapply using the Amex link. They should not be asking for credit card information for appraisal, when it gets tagged correctly to the Amex promo.
I have already provided documents and all .. going to keep going with it. I have email from them saying the appraisal fees will be refunded.
Jun 18, 2020
3,307 Posts
Joined Nov 2013
Jun 18, 2020
mrwhitewalker
Jun 18, 2020
3,307 Posts
Quote from Mikey122687 :
What does it mean when you're in "Forebearance"?
Forebearance is a protection done by banks/government to temporarily pause payments to your mortgage and no credit reporting either of late payment. Basically all mortgage companies were doing these at the start of COVID. You could stop paying your mortgage for a certain amount of time and then its all due at the end of that time period.

Now Foreberance is seen as a bad thing because likely hood you lost your job or something. You are not allowed to Refi a mortgage until 12 months have passed after a forebearance. But they have made it more flexible lately and Better.com allowed me to refi anyway since I did not miss any payments.

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Jun 18, 2020
132 Posts
Joined Apr 2006
Jun 18, 2020
daftsynth
Jun 18, 2020
132 Posts
Quote from iridium :
I have already provided documents and all .. going to keep going with it. I have email from them saying the appraisal fees will be refunded.
I had to provide my credit card payment for the appraisal and rate lock. Once thru underwriting, determination was that appraisal was not needed. Just completed a task to acknowledge an appraisal refund.

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