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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
2,021 Posts
Joined Feb 2008
Jun 18, 2020
stm69
Jun 18, 2020
2,021 Posts
Quote from arleyl :
Email from Better or Amex?
It will be from better.
Jun 19, 2020
1,005 Posts
Joined Mar 2019
Jun 19, 2020
CycloneFW
Jun 19, 2020
1,005 Posts
Quote from adwi :
Whats the thought on insurance coverage from Better, rates? I am going to speak with them on Monday about it.
Insurance coverage from Better? Huh? Could you reword your question as I don't see how Better has anything to do with insurance or even offers it.
Jun 19, 2020
23 Posts
Joined Jun 2011
Jun 19, 2020
jatin87
Jun 19, 2020
23 Posts
How do I know if I had offer or not. Is it in mail? or Email? or thru better.com
Jun 19, 2020
1,006 Posts
Joined Jan 2008
Jun 19, 2020
lowmazda
Jun 19, 2020
1,006 Posts
So Better.com matched my AimLoan quote. After I lock I can still shop for title insurance, correct? I refi'd 5 years ago so I should be able to get a partial credit for re issuance. (Florida)
Jun 19, 2020
1,192 Posts
Joined Nov 2011
Jun 19, 2020
Zwitterion
Jun 19, 2020
1,192 Posts
Quote from blueskysafari :
anyone attempt to do a back to back refi from Better.com and able to get amex credit 2 times?
That will never happen. If Better refi's you again, they'd get their commission on the first loan clawed-back. Standard Early Pay Off penalty expires after six months, so there's no way they'd refi you again before 6 months unless they are complete idiots.
Jun 19, 2020
1,006 Posts
Joined Jan 2008
Jun 19, 2020
lowmazda
Jun 19, 2020
1,006 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 already lock your loan before you asked for them to match the quote for title insurance?
Jun 19, 2020
97 Posts
Joined Apr 2006
Jun 19, 2020
peeyurr
Jun 19, 2020
97 Posts
Quote from Zwitterion :
That will never happen. If Better refi's you again, they'd get their commission on the first loan clawed-back. Standard Early Pay Off penalty expires after six months, so there's no way they'd refi you again before 6 months unless they are complete idiots.
Im in the process. I started on June 3rd. Closing on June 21st. Same property. Different Amex card as we used my wife's Amex on the first one. I got to the task where I entered the last 5 of my amex card. Hopefully will receive it the 2nd time around. I did get a lender credit this time around, so I dropped it by .25% for 15 yr, 800 credit after all fees and 2500 Amex credit. My first refi was completed Mar 21st.

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Jun 19, 2020
1,192 Posts
Joined Nov 2011
Jun 19, 2020
Zwitterion
Jun 19, 2020
1,192 Posts
Quote from peeyurr :
Im in the process. I started on June 3rd. Closing on June 21st. Same property. Different Amex card as we used my wife's Amex on the first one. I got to the task where I entered the last 5 of my amex card. Hopefully will receive it the 2nd time around. I did get a lender credit this time around, so I dropped it by .25% for 15 yr, 800 credit after all fees and 2500 Amex credit. My first refi was completed Mar 21st.
Interesting, I stand corrected. Not sure how they aren't getting EPO penalty. Can I ask, when in the process do you enter your Amex number? I just signed up and got the pre-approval and all that, but in the "tasks" section, there is no mention of entering an Amex number. Thanks for the help!
Jun 19, 2020
97 Posts
Joined Apr 2006
Jun 19, 2020
peeyurr
Jun 19, 2020
97 Posts
Quote from Zwitterion :
Interesting, I stand corrected. Not sure how they aren't getting EPO penalty. Can I ask, when in the process do you enter your Amex number? I just signed up and got the pre-approval and all that, but in the "tasks" section, there is no mention of entering an Amex number. Thanks for the help!
It is an educated guess with risk for me. From what I have read, people have posted that this deal can be done again on the same property, even the same card. However, I have not heard of anyone actually receiving the 2nd credit yet. For this time around, they gave me the 'task' after they sent over the initial closing disclosures. It was grouped within the last 3 task before my closing. It doesnt show up until the closing agent reviews the files and sends that to you (I just happened to be on the phone with him before about the numbers in the closing disclosures that I asked about my AMEX tasks). Hope this helps. I wont be able to report if it is successful until 8 weeks or so after my closing, which will be too late for the July 25th deadline.
Jun 19, 2020
281 Posts
Joined Mar 2010
Jun 19, 2020
hungiema
Jun 19, 2020
281 Posts
Quote from blueskysafari :
anyone attempt to do a back to back refi from Better.com and able to get amex credit 2 times?
I did, got both credits already!
Jun 19, 2020
473 Posts
Joined Jan 2013
Jun 19, 2020
adwi
Jun 19, 2020
473 Posts
Quote from CycloneFW :
Insurance coverage from Better? Huh? Could you reword your question as I don't see how Better has anything to do with insurance or even offers it.
https://better.com/content/why-do...insurance/
Jun 19, 2020
384 Posts
Joined Apr 2016
Jun 19, 2020
physio1213
Jun 19, 2020
384 Posts
Quote from hungiema :
I did, got both credits already!
Holy cow...did you use same card both the times or different cards?
Jun 19, 2020
384 Posts
Joined Apr 2016
Jun 19, 2020
physio1213
Jun 19, 2020
384 Posts
Quote from LeaninBack916 :
I am a 2nd refinance with Better.com boat rider here. I am trying to refi again for my 15 year.

Thank you for the suggestion for GuaranteedRate. I tried Lenderfi, zillow, sebonic... all were high rates.

GuaranteedRate just gave me an LE for 2.375% for a 15 year with a .375 points. They have a 1100 lender fee in section A so its about 1926 total for section A. Submitted to Better.com to price beat. Hoping they do.

Loan is 230k, CA property.

Owning requires 300k+ loan or i would have gotten their LE.
Good to know. It's a good deal plus you will get Amex credit.
Jun 19, 2020
1,005 Posts
Joined Mar 2019
Jun 19, 2020
CycloneFW
Jun 19, 2020
1,005 Posts
Quote from peeyurr :
It is an educated guess with risk for me. From what I have read, people have posted that this deal can be done again on the same property, even the same card. However, I have not heard of anyone actually receiving the 2nd credit yet. For this time around, they gave me the 'task' after they sent over the initial closing disclosures. It was grouped within the last 3 task before my closing. It doesnt show up until the closing agent reviews the files and sends that to you (I just happened to be on the phone with him before about the numbers in the closing disclosures that I asked about my AMEX tasks). Hope this helps. I wont be able to report if it is successful until 8 weeks or so after my closing, which will be too late for the July 25th deadline.
Someone about 10 pages back reported that they got their 2nd credit for the same property on the same card. I congratulated them on the same or the next page.

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Jun 19, 2020
1,005 Posts
Joined Mar 2019
Jun 19, 2020
CycloneFW
Jun 19, 2020
1,005 Posts
Quote from adwi :
https://better.com/content/why-do...insurance/ [better.com]
Ahh. An affiliated third party. Gotcha. Thanks!

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