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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Flood Cert: $14
Lender's Title Ins (Radian): $450
Settlement Fee (Radian): $450
Also, not sure why you asked this question twice in an hour.
Also, not sure why you asked this question twice in an hour.
My understanding was that it was A + B + C + E - (minus) lender credits.
The company with the APR that matches the interest rate in their LE won't go lower because they said Better.com's APR is higher even though it had less closing costs after lender credits.
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Round I - 3.625% with 4.7K lender credit. Closed in Feb. Amex credit posted after 6 weeks
Round II - 3.25% with 4.3K lender credit. Closed in April. Still waiting for Amex credit. Its 7 weeks already
Round III - 2.875 with 4.7K lender credit. In process.
If AMEX credit posts for all this will be the slickest deal ever. If not still worth it. Savings of thousands of dollar in interest plus each refinance is money maker.
Currently, I am looking at 2 separate offers at 15 year fixed for a 109K loan:
1 is for 3% with 0 points and 3K Closing costs
2 is for 2.875% with 0 points and 4-4.5K Closing costs
Wondering how good these offers are in California currently, im in zip code 93013.
Both banks told me that the rates are slightly higher due to the loan amount being less than 200K.
Not looking for the absolute best rate, as long as they are good, I'm happy. But if it would be pretty easy to find a bit better rate with lower closing costs, I do have the time to do so.
Also, are there any other numbers I should be focusing on beside the interest rate and total closing costs?
Currently, I am looking at 2 separate offers at 15 year fixed for a 109K loan:
1 is for 3% with 0 points and 3K Closing costs
2 is for 2.875% with 0 points and 4-4.5K Closing costs
Wondering how good these offers are in California currently, im in zip code 93013.
Both banks told me that the rates are slightly higher due to the loan amount being less than 200K.
Not looking for the absolute best rate, as long as they are good, I'm happy. But if it would be pretty easy to find a bit better rate with lower closing costs, I do have the time to do so.
Also, are there any other numbers I should be focusing on beside the interest rate and total closing costs?
hard to compare if we dont know the length and amounts
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Round I - 3.625% with 4.7K lender credit. Closed in Feb. Amex credit posted after 6 weeks
Round II - 3.25% with 4.3K lender credit. Closed in April. Still waiting for Amex credit. Its 7 weeks already
Round III - 2.875 with 4.7K lender credit. In process.
If AMEX credit posts for all this will be the slickest deal ever. If not still worth it. Savings of thousands of dollar in interest plus each refinance is money maker.
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