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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EDIT: This was for a refinance.. sorry.
What is the best 15/30 year rate I should try to aim for and what ideally should be closing fees?
At better, seeing 2.250% / APR 2.478% ,~Points: $3,400 payment, ~$2,800 in third party fees in third party fees.
Where others can I shop around- do you have pointers?
Lastly, if i purchase through better, they take care of escrow ? And appraisal fee is waived right?
Thanks for info. i will research on.
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I had one more question.In my case, Better is giving me enough credits so that it covers closing costs and escrow and there is still some leftover. The closing disclosure has positive closing cash "To the Borrower". Will I get that cash or not? I have a simple refinance (no cash-out).
https://imgur.com/a/MxRG0Nh
this is amazing, we need a second wave of covid to go below this
Again, sorry for coming off harshly.
P.S. Some quick things. Multiple pulls within usually 1 month timeframe doesn't hurt your credit beyond the initial ding. This is because it is expected that you will shop. I doubt there is any place that will give you an LE without a hard pull (though I think, ironically, Better does).
I'm surprised that your realtor's mortgage broker told you to shop. In my opinion, the *sole* value of a mortgage broker is their ability to shop their multiple relationships with lenders to get you an offer possibly better than you could have gotten on your own. They make money via a commission, so have to do their work to get a loan that, even with their own fee, is competitive.
That said, if they told you to get them LE's, go ahead and get some from these rock-bottom bulk lenders like Aimloan, LenderFi, but I bet you he/she won't be able to beat them. This is because these places operate on volume and often have no origination fee, whereas the broker has his/her commission.
EDIT: This was for a refinance.. sorry.
I had one more question.In my case, Better is giving me enough credits so that it covers closing costs and escrow and there is still some leftover. The closing disclosure has positive closing cash "To the Borrower". Will I get that cash or not? I have a simple refinance (no cash-out).
I had one more question.In my case, Better is giving me enough credits so that it covers closing costs and escrow and there is still some leftover. The closing disclosure has positive closing cash "To the Borrower". Will I get that cash or not? I have a simple refinance (no cash-out).
https://imgur.com/a/MxRG0Nh
damn!! thats amazing. i couldnt get that here in NJ. i tried lenderfi too, the best he did was 2.825
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Again, sorry for coming off harshly.
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