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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Quick math puts that at saving $15 bucks a month, so the payback period is 7.7 years. Thats without taking into account the time-value of money, which once you do, clearly makes it so its is not worthwhile paying that much upfront to save $15/month. IMO.
I started going through this with Better.com because of $2,500 deal. Figured I should also get a quote from my current bank. Before long I have now applied at 8 places. And sent LE to most. And gone from 3.875 down to 3.0 on refi of $170k.
Better came back with much better rates after the competing LE. Now, it looks like LenderFi is so very close to their offer - partially due to escrow not being required and money tied up there. Back and forth they go.
If you can not manage a good spreadsheet - this whole thing is close to impossible.
Currently have two locks and one other company still wants to try and beat my offers. One other actually overnighted documents even though they have everything online - and he played games with an offer, so they are dead anyways.
I started going through this with Better.com because of $2,500 deal. Figured I should also get a quote from my current bank. Before long I have now applied at 8 places. And sent LE to most. And gone from 3.875 down to 3.0 on refi of $170k.
Better came back with much better rates after the competing LE. Now, it looks like LenderFi is so very close to their offer - partially due to escrow not being required and money tied up there. Back and forth they go.
If you can not manage a good spreadsheet - this whole thing is close to impossible.
Currently have two locks and one other company still wants to try and beat my offers. One other actually overnighted documents even though they have everything online - and he played games with an offer, so they are dead anyways.
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seeing 2.25 for 15yr and 2.625 for 30yr
seeing 2.25 for 15yr and 2.625 for 30yr
They're approving my cheaper Title quote so I'll go from $1100 to $595 (saving of $505). So now my total loan cost is -$1369 into my pocket for 2.75% 30 years fixed.
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