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 in process right now. Original quote for the Title section (C) was around $1,800 without appraisal. When the Better Title company got hold of it, it dropped to $1,500. I have a quote locally for $1200.
Anyone have any luck getting Better Title folks to adjust their rates?
The way i look at it having credit run in a 14day window for the same type is batched in a single query.
Shahhere
Similar to you, I'm not concerned with a credit pull once I've opened the floodgates.
Similar to you, I'm not concerned with a credit pull once I've opened the floodgates.
SS = SocialSecurity = CreditPull is what i was trying to say
Yea, I have investments all over the place so i am not taking the negative points and putting it in Tesla lol; its in other stuff but its not 1 for 1 ha.
My calculations has been about a 7-11 point drop post refinance and hard pulls and recovery of 2-3 points each month thereafter without any negatives hitting.
Shahhere
Shahhere
For reference, most of them didn't pull my credit until I wanted an LE.
can't really get this rate right now anywhere.
For reference, most of them didn't pull my credit until I wanted an LE.
The reply was not directly to you yours but in a general discussions
I too am confused as in the past I have gotten a Loan Estimate prior to the Lender running Credit. At times you had to have a phone call etc but I did this mass refinance a while back almost 8+ years now.
This time around almost everyone is asking me to apply and run full credit before they'd send me a LE. I am asking the forum if thats what everyone is encountering as well?
LoanCabin actually locked me in without me saying "Lock" which isnt bad for me but am surprised! I am chatting with their SVP via email but I am sure they are backed up so will await now a set of Disclosures to consider anything else.
Shahhere
This time around almost everyone is asking me to apply and run full credit before they'd send me a LE. I am asking the forum if thats what everyone is encountering as well?
Shahhere
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Second - a lock does not hurt if you go elsewhere. It does limit chances they will give you a better rate though.
Second - a lock does not hurt if you go elsewhere. It does limit chances they will give you a better rate though.
The above out of the way, accepting the offer is also not that detrimental. The only gotcha really is if you have another lender you've submitted the "intent to proceed" with, their underwriting dept. may find out and tell you to pick one and withdraw the app from the other. Still nothing really lost.
The above out of the way, accepting the offer is also not that detrimental. The only gotcha really is if you have another lender you've submitted the "intent to proceed" with, their underwriting dept. may find out and tell you to pick one and withdraw the app from the other. Still nothing really lost.
"However, accepting that you have electronic disclosures is NOT the same as accepting the offer disclosures. Accepting the disclosure that "I agree to use electronic disclosures in lieu of physical disclosures" is not accepting the offer."
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