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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 23, 2020
606 Posts
Joined Dec 2013
Jun 23, 2020
cdancer20
Jun 23, 2020
606 Posts
Quote from MrDioji :
My Loan Amount has stayed the same, but my "Estimated Total Payoffs and Payments" has increased a couple times. Any idea why that is? My prepaids/escrow haven't changed, but it has increased my cash-to-close amount. I'm not sure I care if it's just them estimating what I'll owe my primary and 2nd mortgages at time of closing.m and they dial it in by closing time. That's my guess. I just don't know where they got their numbers from since they don't match the statements I sent them for those loans.
Your closing amount is probably changing because they have requested a payoff from your lender.
Jun 23, 2020
41,442 Posts
Joined Apr 2006
Jun 23, 2020
SDRebel
Jun 23, 2020
41,442 Posts
Quote from techoin :
yes. in my case Better's title agency always reduced title insurance to reissue rate towards very end without me calling it out
can you tell us how much it was?
Jun 23, 2020
633 Posts
Joined Feb 2007
Jun 23, 2020
techoin
Jun 23, 2020
633 Posts
Quote from SDRebel :
can you tell us how much it was?
Total cost depends on loan amount. Reissue discount is 50% in my case.
Jun 23, 2020
1,019 Posts
Joined Jul 2005
Jun 23, 2020
jay
Jun 23, 2020
1,019 Posts
I received a copy of the payoff quote that Better requested from my current lender. The payoff includes interest through July 17. Would the goal be to close on the refinance as close to that date as possible to avoid paying double interest? Or does the current lender refund the extra interest if you close early?
Jun 23, 2020
1,519 Posts
Joined Aug 2012
Jun 23, 2020
HarryS4062
Jun 23, 2020
1,519 Posts
Quote from BhallaSingh :
Hi -

1 - So I dont see this offer on my Amex card but am authorized user, so maybe thats why? But is there any way to have this offer added to my account?

2- I was preapproved from better (am listed on title of the house), and aimloan is giving me a lower rate for 10yr - 200k loan (2.5/ 2.65 APR) with 2k cost and 1k in credits, would the next step be to try to have Better try to beat it?

3- am i missing anything else?
Most people don't see the offer and you do not need to see the offer to be eligible. It works so long as it is NOT the AU card that you submit for credit prior to closing. Also card cannot be a cobranded card like Delta/Macys. So in your case, make sure that the main Amex card holder (not you) is a co-borrower. You can add co-borrower even after starting the application. Use that persons Amex to get the credit.
Yes you can submit that LE from aimloan to Better to get matched.
You can try shopping around a bit more. That rate looks a bit on the higher side.
Jun 23, 2020
1,519 Posts
Joined Aug 2012
Jun 23, 2020
HarryS4062
Jun 23, 2020
1,519 Posts
Quote from jay :
I received a copy of the payoff quote that Better requested from my current lender. The payoff includes interest through July 17. Would the goal be to close on the refinance as close to that date as possible to avoid paying double interest? Or does the current lender refund the extra interest if you close early?
You will get refunded the extra amount from current lender. They always send about 3 to 5 days of extra interest just in case there are delays. The excess amount is always refunded by the current lender.
Jun 23, 2020
352 Posts
Joined Dec 2019
Jun 23, 2020
wandl
Jun 23, 2020
352 Posts
I was at 3.5% fixed 30yr for $400k, refi'd on 6/5 via Better for 3.25% 30yr ($280k), currently attempting a 2nd refi at 3% for 30yr (with about $1k out of pocket + escrow). I do think because I'm under the $300k loan threshold Better isn't able to go any lower; has anyone gotten a quote for lower than 3% for 30yr under $300k?

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Jun 23, 2020
30 Posts
Joined Nov 2014
Jun 23, 2020
varun_v16
Jun 23, 2020
30 Posts
Quote from Mikey122687 :
Just curious to see if anyone gotten 2.625% with $0 closing cost (Loan cost - Lender Credits) for a 30 years conventional 300k-500k loan.

Best I got is 2.625% with $2,714 Loan Costs $0 credit.
Who's the lender?
Jun 23, 2020
707 Posts
Joined Dec 2013
Jun 23, 2020
duasto
Jun 23, 2020
707 Posts
Why i got a new task from better while my loan got funded more than a month ago?
The task is to upload the recent mortgage statement from previous lender which i dont have any access anymore
Jun 23, 2020
25 Posts
Joined Jun 2020
Jun 23, 2020
BhallaSingh
Jun 23, 2020
25 Posts
Quote from HarryS4062 :
Most people don't see the offer and you do not need to see the offer to be eligible. It works so long as it is NOT the AU card that you submit for credit prior to closing. Also card cannot be a cobranded card like Delta/Macys. So in your case, make sure that the main Amex card holder (not you) is a co-borrower. You can add co-borrower even after starting the application. Use that persons Amex to get the credit.
Yes you can submit that LE from aimloan to Better to get matched.
You can try shopping around a bit more. That rate looks a bit on the higher side.
Awesome - thanks! Will try to shop around for little lower and start a new app
Jun 23, 2020
13 Posts
Joined Dec 2017
Jun 23, 2020
herefordeal
Jun 23, 2020
13 Posts
Quote from hungiema :
i managed to get 2.75 % /30 year with my primary and 3%/15 yr for my investment property. hopefully better can beat it so i can get the amex credits
Hi, can you please share the mortgage company you selected and provided those rates. Thanks
Jun 23, 2020
489 Posts
Joined Feb 2012
Jun 23, 2020
Mikey122687
Jun 23, 2020
489 Posts
Quote from varun_v16 :
Who's the lender?
Better
Jun 23, 2020
707 Posts
Joined Dec 2013
Jun 23, 2020
duasto
Jun 23, 2020
707 Posts
Also just asked better about refinancing again. My agent told me there is a 180 days cooldown. This just really tells me that these agents dont have a proper training as other able to refinance again without waiting for 180 days.
Jun 23, 2020
2,065 Posts
Joined Aug 2009
Jun 23, 2020
polvoprismboy
Jun 23, 2020
2,065 Posts
How long did the approval process take for everyone? It's been about 2.5 weeks waiting for Better to began closing. I emailed them and they said it was due to the title company dragging their feet. I just want to get this finished ASAP.

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Jun 23, 2020
12 Posts
Joined Jun 2020
Jun 23, 2020
tganz1993
Jun 23, 2020
12 Posts
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