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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 hungiema :
damn, better wont match my competitors LE without requiring escrow. if i take it with escrow. i can remove it later? my loan is 75% ltv
Quote from LeaninBack916 :
Odd... maybe because it's closer to the 80%? I have about 60% ltv and on my refi months ago and this attempt... no escrow was easy.

And yeah I would press them a bit more. Once you get escrow... getting rid of it is usually a no go unless you have a bank that allows it or you refi... I would go for no escrow... these companies are the worst to deal with. As mentioned many pages back, being able to do things like get credit card rewards for homeowners or to pay cash for your property tax installment (should something come up or you just feel like it) etc....
It depends on the lender. I haven't tried yet as I just closed and I plan to try to refi one more time. However, The Money Source has it right on their website that you can request to have your escrow removed as long as you aren't on a government loan and pay PMI. At 75%, of course you wouldn't. Someone though mentioned making sure that it was in their loan documents that it can be removed later. I don't recall if I did or didn't see it in mine.
Jun 23, 2020
281 Posts
Joined Mar 2010
Jun 23, 2020
hungiema
Jun 23, 2020
281 Posts
Quote from cdancer20 :
It depends on the lender. I haven't tried yet as I just closed and I plan to try to refi one more time. However, The Money Source has it right on their website that you can request to have your escrow removed as long as you aren't on a government loan and pay PMI. At 75%, of course you wouldn't. Someone though mentioned making sure that it was in their loan documents that it can be removed later. I don't recall if I did or didn't see it in mine.
when they removed the escrow, the estimate shot up another 700bucks. Better said thats the best they can do without escrow. so now my best option is to suck it up, apply with escrow and then hope to get it waived once the loan is done.
Jun 23, 2020
350 Posts
Joined Jun 2012
Jun 23, 2020
flyeaglesfly33
Jun 23, 2020
350 Posts
What are people doing in PA in regards to the Title Insurance? Mine is listed in my LE as almost $2,000!
Jun 23, 2020
350 Posts
Joined Jun 2012
Jun 23, 2020
flyeaglesfly33
Jun 23, 2020
350 Posts
Quote from hungiema :
when they removed the escrow, the estimate shot up another 700bucks. Better said thats the best they can do without escrow. so now my best option is to suck it up, apply with escrow and then hope to get it waived once the loan is done.
I refinanced a couple of years ago with Loan Depot which like you had like an $800 fee to waive escrow. My loan officer said after closing wait a couple of months (i think i waited 2) and write a letter requesting the closing of escrow. She mentioned she had never seen that not work. In my letter I threw in i was a good candidate with a 800+ credit score etc. I got a check within a week, but YMMV
Jun 23, 2020
2,520 Posts
Joined Aug 2007
Jun 23, 2020
sleekwallet
Jun 23, 2020
2,520 Posts
Quote from hungiema :
when they removed the escrow, the estimate shot up another 700bucks. Better said thats the best they can do without escrow. so now my best option is to suck it up, apply with escrow and then hope to get it waived once the loan is done.

just wait for the loan to be sold, then you take out the escrow
Jun 23, 2020
281 Posts
Joined Mar 2010
Jun 23, 2020
hungiema
Jun 23, 2020
281 Posts
ok thanks! ill definitely try and get the waived with your suggestions
Jun 23, 2020
484 Posts
Joined Nov 2004
Jun 23, 2020
Avi
Jun 23, 2020
484 Posts
Does anyone know if Better would refi a short term rental (aka Airbnb) property?

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Jun 23, 2020
2,581 Posts
Joined Feb 2008
Jun 23, 2020
LeaninBack916
Jun 23, 2020
2,581 Posts
Quote from cdancer20 :
It depends on the lender. I haven't tried yet as I just closed and I plan to try to refi one more time. However, The Money Source has it right on their website that you can request to have your escrow removed as long as you aren't on a government loan and pay PMI. At 75%, of course you wouldn't. Someone though mentioned making sure that it was in their loan documents that it can be removed later. I don't recall if I did or didn't see it in mine.
Often they have language that, in effect, says at their discretion. And sometimes they try to tie in the cost of the loan as part of it. Or like hunglema just mentioned, they tack on a bigger fee in the LE.

I agree you can try after the fact with the mortgage servicer. But if the LTV is close... may be a battle.
Last edited by LeaninBack916 June 23, 2020 at 03:23 PM.
Jun 23, 2020
606 Posts
Joined Dec 2013
Jun 23, 2020
cdancer20
Jun 23, 2020
606 Posts
Quote from hungiema :
when they removed the escrow, the estimate shot up another 700bucks. Better said thats the best they can do without escrow. so now my best option is to suck it up, apply with escrow and then hope to get it waived once the loan is done.
Quote from LeaninBack916 :
Often they have language that, in effect, says at their discretion. And sometimes they try to tie in the cost of the loan as part of it. Or like hunglema just mentioned, they tack on a bigger fee in the LE.

I agree you can try after the fact with the mortgage servicer. But if the LTV is close... may be a battle.
I'm referring to solely after the refinance process is completed and your loan has been sold. Not during the application process because like you said, it changes the pricing details.
Jun 23, 2020
281 Posts
Joined Mar 2010
Jun 23, 2020
hungiema
Jun 23, 2020
281 Posts
Quote from cdancer20 :
I'm referring to solely after the refinance process is completed and your loan has been sold. Not during the application process because like you said, it changes the pricing details.
yep, totally understood what you meant. happy to finallly get the rate i wanted!
Jun 23, 2020
2,581 Posts
Joined Feb 2008
Jun 23, 2020
LeaninBack916
Jun 23, 2020
2,581 Posts
Quote from hungiema :
yep, totally understood what you meant. happy to finallly get the rate i wanted!
good luck and make it happen!
Jun 24, 2020
36 Posts
Joined Jul 2009
Jun 24, 2020
lileor
Jun 24, 2020
36 Posts
Quote from EfficientCaption737 :
I applied 6/1. It moved to approved status today (6/23).
Quote from polvoprismboy :
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.
My timeline so far, refinancing both primary home and an investment property:

6/15 - Applied
6/16 - Locked rates
6/17 - Title ordered; loans conditionally approved
6/19 - Appraisal for investment property
6/20 - Appraisal report received and cleared
6/23 - Title cleared; loans submitted for final approval; passed to closing expert (they say final review should be another 48-72 hours)
Jun 24, 2020
1,017 Posts
Joined Jul 2010
Jun 24, 2020
Yuge
Jun 24, 2020
1,017 Posts
Quote from flyeaglesfly33 :
What are people doing in PA in regards to the Title Insurance? Mine is listed in my LE as almost $2,000!
I tried https://www.worldwidelandtransfer.com/ they do not charge Closing Fees, Notary Fees, Wire Fees, Courier Fees, Digital Doc Fees, Recording Processing or Settlement Fees
Jun 24, 2020
350 Posts
Joined Jun 2012
Jun 24, 2020
flyeaglesfly33
Jun 24, 2020
350 Posts
Quote from Yuge :
I tried https://www.worldwidelandtransfer.com/ they do not charge Closing Fees, Notary Fees, Wire Fees, Courier Fees, Digital Doc Fees, Recording Processing or Settlement Fees
I'll give them a call tomorrow. Thanks so much!

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Jun 24, 2020
91 Posts
Joined Jul 2018
Jun 24, 2020
prs98
Jun 24, 2020
91 Posts
Quote from Yuge :
I tried https://www.worldwidelandtransfer.com/ they do not charge Closing Fees, Notary Fees, Wire Fees, Courier Fees, Digital Doc Fees, Recording Processing or Settlement Fees
how much was the total title fees ?

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