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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 locked yesterday and emailed my concierge I wanted to use a different company and sent him a copy of the quote via email, but he doesn't even acknowledge emails. Today I received a automated email from someone at Betters Title Company letting me know they are taking it from here and to thank me. I also noticed they ordered the title today on my better account. I called the main line and of course my concierge wasn't available but I told them I wanted to use my own title company and they said "you don't have a processor assigned to you but I'll make a note of that". I'm in PA so title insurance and fees are very high but I found a company (alttitle) that includes all the fees so they come out to be about $1900 whereas better has me in for about $2500
I locked yesterday and emailed my concierge I wanted to use a different company and sent him a copy of the quote via email, but he doesn't even acknowledge emails. Today I received a automated email from someone at Betters Title Company letting me know they are taking it from here and to thank me. I also noticed they ordered the title today on my better account. I called the main line and of course my concierge wasn't available but I told them I wanted to use my own title company and they said "you don't have a processor assigned to you but I'll make a note of that". I'm in PA so title insurance and fees are very high but I found a company (alttitle) that includes all the fees so they come out to be about $1900 whereas better has me in for about $2500
Can you pm me which title vompany you are working with for this rate of 1900.
"I just want to let you know I am working on the title fee concession and should have that updated on the loan estimate by tomorrow. As soon as it is updated I will let you know and I should be able to send your file to final review soon after."
Some context:
6/16 - Rate Lock
6/17 - Title ordered
6/17 - I emailed them with a cheaper title company
6/22 - Title Received/Cleared by Better
6/24 - Called them about the email that I sent, since I didn't hear anything back. They said that my Processing Expert is sick and they'll put a note in my account about it
6/25 - Received above email.
They quoted me $550 each for Title Insurance and Settlement Fee. I forwarded a quote from my local title company for $505 Title Insurance and $95 Settlement Fee.
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Can you pm me which title vompany you are working with for this rate of 1900.
Was the cheapest I found by a decent amount for PA because they include all fees. Second cheapest was actually a title company about a mile from me that waived a lot of their fees because I was so local and they wanted to help a neighbor out, third best was radian.
Again, better ordered a title even with me telling them I plan to use a third party, so hopefully the match, or are prepared to throw away the title search they just paid for.
I called alttitle and they emailed me a written quote which matched the online calculator exactly, but I figure it'll be easier to get better to match a formal written quote over their website
2.99% with 3.3k cost (plus 1.6k govt stuff ) -possible 2.5k amex credt was what I got today. And they are trying to push me decide today and said that they can guarantee close within 45days (claiming a lot others may just lure me in with lower rate but fail to close within the lock period).
It is on par with what I have been quoted, but with the assumption that I will get 2.5k from amex.
Another question regarding looking for title work myself, what exactly should I look for? Is it just "title insurance" or it is a settlement company I need to look for?
Would they let me match other rates after I have locked?
Thanks
I asked that I had title insurance from last refi a year ago and if there is something called "reissue credit", and I was told that any discount or change for that title insurance needs to come from that title company I closed with last time, so if I want to have discount, just need to use that same settlement company. This is essentially the same from the title insurance company's explanation, that I would need to use the same title company as last time in order to get any discount on the policy.
I then looked at my last refi's closing document, i notice that there was only an settlement agent fee for ~400 and then the ~1300 title insurance. Is this $400 the counterpart of ~$600 I was quoted today? It looks like I will need to use the same title company if I want to save on title insurance?
I'm a little confused.
Would they let me match other rates after I have locked?
Thanks
YMMV but a lot of people have got them to match after lock, but they wont give you the extra $1000. But if you read through the thread a lot of people got a rate match after lock.
EDIT: This was for a refinance.. sorry.
Or do you mean one with a credit that offsets the closing costs ?
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