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expiredGreenworld123 posted Dec 08, 2019 02:27 PM
expiredGreenworld123 posted Dec 08, 2019 02:27 PM

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

American Express Giftcards
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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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9,848 Comments

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Jun 29, 2020 03:28 PM
45 Posts
Joined Apr 2020
MrDiojiJun 29, 2020 03:28 PM
45 Posts
Quote from txagdeals :
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?
Is the offer actually shown on the Loan Estimate, perhaps in some form of lender credit? I've been warned against these types of "deals" where the LE does not reflect the deal, since the LE is the binding document. Better will likely not match it if it's not on reflected on the LE.
Jun 29, 2020 03:52 PM
729 Posts
Joined Dec 2008
braveheart2012Jun 29, 2020 03:52 PM
729 Posts
NJ - can you guys provide a good competitor lender? i am doing refinance. i really appreciate. any tips to get good rate
Jun 29, 2020 04:29 PM
9 Posts
Joined Mar 2016
Randal106Jun 29, 2020 04:29 PM
9 Posts
How are you guys getting such good rates from Better.com? Im at final approval with loandepot for 3.125% for 30yr, closing in a week, LE "D" total loan costs of $3229. Yet Better.com rates are outrageous. The same 3.125% at better.com would cost me $6700....
Jun 29, 2020 04:41 PM
45 Posts
Joined Apr 2020
MrDiojiJun 29, 2020 04:41 PM
45 Posts
Quote from Randal106 :
How are you guys getting such good rates from Better.com? Im at final approval with loandepot for 3.125% for 30yr, closing in a week, LE "D" total loan costs of $3229. Yet Better.com rates are outrageous. The same 3.125% at better.com would cost me $6700....
Utilize Better's price match/guarantee
Jun 29, 2020 05:21 PM
2,065 Posts
Joined Aug 2009
polvoprismboyJun 29, 2020 05:21 PM
2,065 Posts
Closing scheduled for tomorrow. The title insurance went down about $400 too. My total closing costs should be around $700 (which includes 10 months of taxes and a year of HOI), and with $3,300 in my escrow account, I should net around $2,500, plus the $2,500 AMEX credit, plus $200 less per month for mortgage...I'll celebrate when the papers are signed and Better accepts them, but wow, this may be the greatest SD ever.
Jun 29, 2020 05:27 PM
904 Posts
Joined Nov 2017
gk6740Jun 29, 2020 05:27 PM
904 Posts
Quote from Randal106 :
How are you guys getting such good rates from Better.com? Im at final approval with loandepot for 3.125% for 30yr, closing in a week, LE "D" total loan costs of $3229. Yet Better.com rates are outrageous. The same 3.125% at better.com would cost me $6700....
Make sure you keep escrow separate in our comparisons. That messes things up in a hurry.
Jun 29, 2020 05:29 PM
904 Posts
Joined Nov 2017
gk6740Jun 29, 2020 05:29 PM
904 Posts
Quote from braveheart2012 :
NJ - can you guys provide a good competitor lender? i am doing refinance. i really appreciate. any tips to get good rate
Many were mentioned earlier in this thread that I found.

better.com best with Amex deal
lenderfi very good and to the point
Mr Cooper lowered rates after I sent other estimates
AIM responded somewhat, but could not match
HomeFinity
LoanCabin - online rates were very good, but I have yet to get loan doc or email followup

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Jun 29, 2020 05:31 PM
900 Posts
Joined Aug 2010
JetBlastJun 29, 2020 05:31 PM
900 Posts
How long does it take to get the title work in order? The title report was ordered on June 16th and still haven't heard anything back from Better. I am saving $700 by going with my own title company, but what good is that savings if I have to pay my July mortgage if I don't close soon.
Jun 29, 2020 05:31 PM
252 Posts
Joined Apr 2008
nic3456Jun 29, 2020 05:31 PM
252 Posts
I'm halfway through my better refi and I just noticed my lender credits dropped by ~$700 from original. I've emailed my "team" of folks 4 days ago, but no response yet. Anyone had this happen with a valid reason?
Jun 29, 2020 05:33 PM
208 Posts
Joined Sep 2004
statepktJun 29, 2020 05:33 PM
208 Posts
Quote from gk6740 :
Many were mentioned earlier in this thread that I found.

better.com best with Amex deal
lenderfi very good and to the point
Mr Cooper lowered rates after I sent other estimates
AIM responded somewhat, but could not match
HomeFinity
LoanCabin - online rates were very good, but I have yet to get loan doc or email followup
Just closed with my Lenderfi application. Very quick overall.
Jun 29, 2020 05:59 PM
1,778 Posts
Joined May 2006
baronvdbJun 29, 2020 05:59 PM
1,778 Posts
Has anybody got a rate better than 2.375% for a 15 year fixed in the last day or two? What lender?

Today is the last day I can do a mortgage application without it dinging my credit. I'm locked with better at 2.375% but if I can get an LE for lower I want to see if they'll match it. Just not sure what lender to apply with...

PM me if you don't want to post the lender. Thanks!
Jun 29, 2020 06:24 PM
569 Posts
Joined Sep 2005
bumofthedayJun 29, 2020 06:24 PM
569 Posts
Quote from nic3456 :
I'm halfway through my better refi and I just noticed my lender credits dropped by ~$700 from original. I've emailed my "team" of folks 4 days ago, but no response yet. Anyone had this happen with a valid reason?
They were going to reduce my credit if I dropped escrow. Not sure if you asked about that, just letting you know.
Jun 29, 2020 06:34 PM
1,811 Posts
Joined Jun 2007
sailakfanJun 29, 2020 06:34 PM
1,811 Posts
Quote from bumoftheday :
They were going to reduce my credit if I dropped escrow. Not sure if you asked about that, just letting you know.
You could have kept the escrow and cancelled after couple of months, correct?
Jun 29, 2020 07:02 PM
904 Posts
Joined Nov 2017
gk6740Jun 29, 2020 07:02 PM
904 Posts
Quote from JetBlast :
How long does it take to get the title work in order? The title report was ordered on June 16th and still haven't heard anything back from Better. I am saving $700 by going with my own title company, but what good is that savings if I have to pay my July mortgage if I don't close soon.
You will be paying July to SOMEBODY one way or the other. One is just at a better rate.

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Jun 29, 2020 07:09 PM
2,521 Posts
Joined Aug 2007
sleekwalletJun 29, 2020 07:09 PM
2,521 Posts
Quote from gk6740 :
You will be paying July to SOMEBODY one way or the other. One is just at a better rate.
it might just the interest, depending on the funding date. I would pay more attention to the double interest buffer in case that it crosses a Sunday.

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