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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Is this because I am trying to refinance only about $75000? Home value is ~ $300K.
Better also had a settlement fee of $500 to start with and I was able to get a competing quote and email it to better and they adjusted my LE to give me $250 more in credits to make up for the higher settlement fee.
It's ain't over yet but so far so good dealing with them.
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.
Is this because I am trying to refinance only about $75000? Home value is ~ $300K.
Try doing a refi with cash out and see what comes up. Worst case scenario you dump that cash right back in to princpal. It'll make your payment a bit higher because of the cashout, but the life of the loan would be shorter.
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Not sure I follow your question. The $250 is a credit. That is $$ better is paying me.
C. Services You Can Shop For $1,571
Title - Endorsements $111
Title - Lender's title Ins. $860 (reissue rate, was over $1,500 on original LE)
Title - Search abstract $100
Title - Settlement fee $500
Credit from better ($250)
So that brings my "C" costs $1,321.
I Already Got credit once and want to Use offer again . Should i create New Better .com account as when i start application again . it takes back me to old application . Should i use same creadit card with which offer is attached or i can use another card too .
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I Already Got credit once and want to Use offer again . Should i create New Better .com account as when i start application again . it takes back me to old application . Should i use same creadit card with which offer is attached or i can use another card too .Also To get lender credit what should be approach .
Thanks
inderjas16
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