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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 20, 2020
274 Posts
Joined Jul 2017
Jun 20, 2020
arl16
Jun 20, 2020
274 Posts
Quote from CycloneFW :
NC and previously FL
Mind asking what title insurance company you are using?
Jun 20, 2020
1,773 Posts
Joined May 2006
Jun 20, 2020
baronvdb
Jun 20, 2020
1,773 Posts
Quote from lowmazda :
What did they from you to give you the re-issue rate? My LE has similar cost for Title Insurance.
per the email from better rep: "Once we conduct the title search, we will be able to let you know if you are eligible for reissue rates"

I responded to him and said to go ahead and find out and let me know. I think it was the next day (or maybe even the same day) they got back to me and said I was eligible for the reissue title insurance rate and they lowered it on my LE in the better.com portal.

I would also suggest you let them know you plan on shopping title companies just to keep everybody honest. I think it will be easier just using better for the title stuff as far as streamlining the process so I'm glad they matched the other company.
Last edited by baronvdb June 19, 2020 at 09:38 PM.
Jun 20, 2020
3,042 Posts
Joined Feb 2010
Jun 20, 2020
balla123
Jun 20, 2020
3,042 Posts
Arnold Rodriguez
Dedicated Concierge

does not reply to emails smh
Jun 20, 2020
1,005 Posts
Joined Mar 2019
Jun 20, 2020
CycloneFW
Jun 20, 2020
1,005 Posts
Quote from arl16 :
Mind asking what title insurance company you are using?
The last two were with Harbor City Title and Westcor Land Title
Jun 20, 2020
1,006 Posts
Joined Jan 2008
Jun 20, 2020
lowmazda
Jun 20, 2020
1,006 Posts
Locked my rate. I was also eligible for a PIW (Property Inspection Waiver). One less thing I have to schedule and take time off work to complete.
Jun 20, 2020
489 Posts
Joined Feb 2012
Jun 20, 2020
Mikey122687
Jun 20, 2020
489 Posts
Quote from lowmazda :
Locked my rate. I was also eligible for a PIW (Property Inspection Waiver). One less thing I have to schedule and take time off work to complete.
What rate? 30 years? what your loan cost and credit?
Jun 20, 2020
1,006 Posts
Joined Jan 2008
Jun 20, 2020
lowmazda
Jun 20, 2020
1,006 Posts
Quote from Mikey122687 :
What rate? 30 years? what your loan cost and credit?
157k Loan 54% LTV
2.875 @ 15 years. Closing costs A+B+C were $1961. I should be eligible for a re-issue credit on title insurance so that might drop it. I quoted Title Insurance and what Better was offering was in line with other title companies.
Last edited by lowmazda June 19, 2020 at 10:43 PM.

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Jun 20, 2020
350 Posts
Joined Jun 2012
Jun 20, 2020
flyeaglesfly33
Jun 20, 2020
350 Posts
Quote from LeaninBack916 :
How long did it take? It's been 3 days for me already with Arnie.
It took all week. I submitted on Monday and then scheduled a call for Friday and about 10 minutes after when our call was supposed to be he texted me saying he was working on the match. I've since submitted another match with the closing costs included and scheduled another call for Tuesday morning. So hopefully this time it doesn't take as long.
Jun 20, 2020
69 Posts
Joined Dec 2007
Jun 20, 2020
kesco
Jun 20, 2020
69 Posts
I closed my Better re-fi this past week.

2.875% 30 yr fixed
2.893% APY
A+B+C=$1182 (A was 0, B was $47 - remainder was attorney/title re-issue)
J=x-$1525 (credit)

I explicitly did prepaids to get the full credit, will get out of the impounds later (paperwork I signed clearly states it's optional but I requested it).

Then I get the $2500 AMEX.

Insane deal.
Jun 20, 2020
728 Posts
Joined Dec 2008
Jun 20, 2020
braveheart2012
Jun 20, 2020
728 Posts
anyone got better rate in NJ area ? please let me know.
Jun 20, 2020
1,017 Posts
Joined Jul 2010
Jun 20, 2020
Yuge
Jun 20, 2020
1,017 Posts
Quote from balla123 :
Arnold Rodriguez
Dedicated Concierge

does not reply to emails smh
Can we get his managers email address
Jun 20, 2020
7,484 Posts
Joined Sep 2008
Jun 20, 2020
DogAndPony
Jun 20, 2020
7,484 Posts
Quote from Yuge :
Can we get his managers email address
Karen, these guys are really busy. Calm down.
Jun 20, 2020
1,446 Posts
Joined Jul 2008
Jun 20, 2020
svinokot
Jun 20, 2020
1,446 Posts
Quote from DogAndPony :
Karen, these guys are really busy. Calm down.
They are not busy. They have a well documented policy that once you lock the rate, the concierges start outright ignoring you. You can easily reach somebody else at better at later stages of refinance, but not your concierge. I emailed, called and texted mine multiple times and never got a single reply.

They are pretty much useless. They are salesmen. Once they got you to lock, they wash their hands.
Jun 20, 2020
7,484 Posts
Joined Sep 2008
Jun 20, 2020
DogAndPony
Jun 20, 2020
7,484 Posts
Quote from svinokot :
They are not busy. They have a well documented policy that once you lock the rate, the concierges start outright ignoring you. You can easily reach somebody else at better at later stages of refinance, but not your concierge. I emailed, called and texted mine multiple times and never got a single reply.
You really don't have a clue if you don't think these lenders are backed up due to the current rates.

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Jun 20, 2020
1,446 Posts
Joined Jul 2008
Jun 20, 2020
svinokot
Jun 20, 2020
1,446 Posts
Quote from DogAndPony :
You really don't have a clue if you don't think these lenders are backed up due to the current rates.
Keep coming up with excuses. Whom are they busy with when people don't get any help from them?

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