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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I am having zero luck with Better. I have now submitted two differnt LE's, and called over 10 times to see if they could match them. First one they didnt respond until 3 days later, then said the LE was to old to match. Second one I put in Tuesday Night. Called them as soon as I put it in, and called them 4 more times yesterday. Yesterday at 4 pm they said my assigned person had my file open, looking at it, and would call me shortly to tell me what they could do.. Never got a call. Now its been over 24 hours since I got the LE from another lender, so my guess is when I call today they will tell me its expired.. and want another one. About to give up and just go with the other lender.
What's the process for getting matched? Apply first with better, then bring LE to them?
What's the process for getting matched? Apply first with better, then bring LE to them?
What's the process for getting matched? Apply first with better, then bring LE to them?
I applied online.. and got the LE... it was crap. You have to apply to get the LE.
Talked to guy explained i was shopping around, and he did much better. YMMV.
Case in point: I refinanced 2 months back at 3.125% at 15 year fixed and got $3000 credit (including the AMEX). I am thinking of refinancing at 3.75% at 15 year fixed to get $5000 credit. assuming that the rates are not going to change dramatically in the near future given the environment, refinance again at 2.75% or something like that and make this a money maker
thoughts?
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Is there any truth in that statement?
It has been a love/hate relationship so far.
When I first applied a couple weeks ago, the better.com account page was not showing the lower rates they were advertising on Nerdwallet. I sent about 3 emails and got no response for days. Then I called, and it took 3 attempts before I got a person on the line. They setup an appointment for me that day at 1PM. I waited until 1:45 and nobody called me. I called back a couple of times and got another person on the line. Then I forwarded a screenshot of the Nerdwallet rate to them, and was told someone would call me back the next day (a Sunday). Monday came around and nobody called back. I then called and asked to be escalated to a manager and requested that my "Team" was changed, since the team assigned to me was not answering any calls or emails for nearly a week.
The new loan officer I was assigned was way more responsive and got me sorted out within a day or so. At this point I had gotten a lower estimate from a competitor, so I submitted that to the better.com person. They matched the rate and also included more lender credits for closing, on top of the $2500 amex deal. So, it was worth using Better over the others.
Now that the loan is in process, I feel like only about half of my emails are responded to on a timely basis. Some messages I send appear to fall on deaf ears, or I get a response a week later.
I do REALLY like their online portal and how easy it is to work with. I have refinanced before, and their online system is by far the best I have dealt with.
It just seems like they are way understaffed right now in relation to the massive spike in refinancing that is probably happening due to the low rates in the market. It is super frustrating but the deal is too good to pass up.
My closing is scheduled in the 2nd week of July. I am confident it will go through, and I don't plan on backing out of the deal at all. I just wish they were better with communication. I almost went with a competitor due to that, but I gave them 1 last chance and they finally came through.
Case in point: I refinanced 2 months back at 3.125% at 15 year fixed and got $3000 credit (including the AMEX). I am thinking of refinancing at 3.75% at 15 year fixed to get $5000 credit. assuming that the rates are not going to change dramatically in the near future given the environment, refinance again at 2.75% or something like that and make this a money maker
thoughts?
https://selling-guide.fanniemae
https://selling-guide.fanniemae
Case in point: I refinanced 2 months back at 3.125% at 15 year fixed and got $3000 credit (including the AMEX). I am thinking of refinancing at 3.75% at 15 year fixed to get $5000 credit. assuming that the rates are not going to change dramatically in the near future given the environment, refinance again at 2.75% or something like that and make this a money maker
thoughts?
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I know there is lot of better offers that people have gotten but this was the best I was able to do and not sure if this can be improved now that I have already locked my rate.
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