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Greenworld123 1.4M Views
Dec 8, 2019 2:27 PM

Amex offer: $2,500 statement credit for home refinance Better.com

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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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9.8K Comments

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Jun 28, 2020 3:14 PM
93 Comments
Joined Jul 2018
prs98Jun 28, 2020 3:14 PM
93 Comments
Quote from CycloneFW View quoted comment :
LoanCabin doesn't write loans in my state.

I got quoted the rate before my credit was run and then had the officer run my credit and lock the rate. Better's title agent charged my $1,100 in May and I had asked them to to use my agent that charges less, but they didn't. Sucks as they even confirmed via email they would use my agent and then didn't.

Last time around, Better didn't even match my competing offer, so we will see if they beat this one by $1k.
Which agent did you use for title last time? And how much were the fees?
Jun 28, 2020 3:20 PM
1K Comments
Joined Mar 2019
CycloneFWJun 28, 2020 3:20 PM
1K Comments
Quote from srp1606 View quoted comment :
Which agent did you use for title last time? And how much were the fees?
Better Settlement Services @ $1,100
Jun 28, 2020 5:27 PM
908 Comments
Joined Nov 2017
gk6740Jun 28, 2020 5:27 PM
908 Comments
I get the impression companies will not change rates once they are locked.

I am working with Better and locked at what I though was good, but in further review, not so good. Currently at 3% on $170k refi, no cash out. Some point charge and they want escrow. 760 FICO.

Some of you are getting rates at 3% or better AND getting lender credit.

Suggestions

Jun 28, 2020 5:42 PM
93 Comments
Joined Jul 2018
prs98Jun 28, 2020 5:42 PM
93 Comments
Quote from CycloneFW View quoted comment :
Better Settlement Services @ $1,100
Got it. How much is the fees now with your own title company?
Jun 28, 2020 5:47 PM
14 Comments
Joined Apr 2010
howdoyoudoJun 28, 2020 5:47 PM
14 Comments
Quote from TheDMD View quoted comment :
Closed with better

2.5% on a 15 year with $3762 in lender credits. Just waiting for the additional $2500 AmEx Credit.
Hi TheDMD,
can you please help me the lender details to get Loan Estimate. This rate too good.

Thanks
Jun 28, 2020 5:50 PM
125 Comments
Joined Apr 2019
TheDMDJun 28, 2020 5:50 PM
125 Comments
Quote from gk6740 View quoted comment :
I get the impression companies will not change rates once they are locked.

I am working with Better and locked at what I though was good, but in further review, not so good. Currently at 3% on $170k refi, no cash out. Some point charge and they want escrow. 760 FICO.

Some of you are getting rates at 3% or better AND getting lender credit.

Suggestions
Better changed the rate after lock for me. Just because you lock, doesn't necessarily mean you can't withdraw your application.

I called them directly and told them I had received an offer that beat them by almost $4000.

Maybe it was because we were midway through underwriting that they agreed to beat it, but I had the option to walk away. The only thing I had paid for was the appraisal fee (which wasn't waived initially by their mistake. It was waived before closing)
Jun 28, 2020 6:32 PM
1K Comments
Joined Mar 2019
CycloneFWJun 28, 2020 6:32 PM
1K Comments
Quote from srp1606 View quoted comment :
Got it. How much is the fees now with your own title company?
$975 using a different agent for title and settlement

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Jun 28, 2020 7:35 PM
17 Comments
Joined Nov 2015
sairam1983Jun 28, 2020 7:35 PM
17 Comments
Locked with better for 2.375 and 3300 lender credit for 15 year.

considering 30 year options currently for 2.75 - any suggestions for competing offer?
Jun 28, 2020 8:22 PM
93 Comments
Joined Jul 2018
prs98Jun 28, 2020 8:22 PM
93 Comments
Quote from CycloneFW View quoted comment :
$975 using a different agent for title and settlement
Awesome. What's the title company?
Jun 28, 2020 9:27 PM
45 Comments
Joined Apr 2020
MrDiojiJun 28, 2020 9:27 PM
45 Comments
Quote from gk6740 View quoted comment :
I get the impression companies will not change rates once they are locked.

I am working with Better and locked at what I though was good, but in further review, not so good. Currently at 3% on $170k refi, no cash out. Some point charge and they want escrow. 760 FICO.

Some of you are getting rates at 3% or better AND getting lender credit.

Suggestions
Reach out and get some quotes from some other lenders to see if you can beat it. No harm in making sure. Rates vary for individuals and locations, so we can't tell you if you're already getting a good deal for your scenario. I'm willing to guess most of the people posting their deals are on the lower end of the rates spectrum. I'm only getting 3%, too, for a 20-yr ~$330k, although with no points. It is a cashout to payoff a home equity loan, so it's the best I could find. I'd love to get some of the rates posted in this thread, but I can be happy knowing I did my due diligence.

If you find a lower point cost/rate, share it with Better and see if they'll match.
Jun 29, 2020 12:14 AM
9 Comments
Joined Feb 2017
nbs85Jun 29, 2020 12:14 AM
9 Comments
Closed a couple days back with Better. 2.5% for 15 years (0 points and 4750 in Lender Credits). Basically, the loan itself was a money maker and will get 2500 Amex Credit. Now, I am thinking of getting a 30 year refinance as rates seemed to have converged for 15 and 30 year loans. How quickly can I turn around and re-do the process with Better?
Jun 29, 2020 1:10 AM
3.2K Comments
Joined Jun 2007
nicemannJun 29, 2020 1:10 AM
3.2K Comments
Quote from nbs85 View quoted comment :
Closed a couple days back with Better. 2.5% for 15 years (0 points and 4750 in Lender Credits). Basically, the loan itself was a money maker and will get 2500 Amex Credit. Now, I am thinking of getting a 30 year refinance as rates seemed to have converged for 15 and 30 year loans. How quickly can I turn around and re-do the process with Better?
Are you able to get the AMEX twice?
Jun 29, 2020 3:09 PM
9 Comments
Joined Feb 2017
nbs85Jun 29, 2020 3:09 PM
9 Comments
Quote from nicemann View quoted comment :
Are you able to get the AMEX twice?
That is what I wanted to find out? Some people have reported that they were able to get it twice.
Jun 29, 2020 3:11 PM
172 Comments
Joined Feb 2011
txagdealsJun 29, 2020 3:11 PM
172 Comments
I got 2.99 fixed for 30 through the builders finance company and they pay all closing costs including pre-pays. Can I still get better to match this and get the $2500 amex credit?

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Jun 29, 2020 3:26 PM
772 Comments
Joined Oct 2007
swineJun 29, 2020 3:26 PM
772 Comments
Quote from txagdeals View quoted comment :
I got 2.99 fixed for 30 through the builders finance company and they pay all closing costs including pre-pays. Can I still get better to match this and get the $2500 amex credit?
I think you can show Better your builder's LE.

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