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expiredGreenworld123 posted Dec 08, 2019 02:27 PM
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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:

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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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Jul 02, 2020 03:47 PM
351 Posts
Joined May 2005
KrustyVTJul 02, 2020 03:47 PM
351 Posts
For CA property owners, a heads up that the owning.com rate for a 30 year fixed refi, up to $765k, dropped to 2.99% today, with no closing costs - the lowest I've seen it since I've been tracking since October, 2019.

As of 7/2, all with no closing costs:

15 year fixed, up to $510k - 2.5%
15 year fixed, up to $765k - 2.75%
30 year fixed, up to $510k - 2.75%
30 year fixed, up to $765k - 2.99%
Jul 02, 2020 03:47 PM
2,583 Posts
Joined Feb 2008
LeaninBack916Jul 02, 2020 03:47 PM
2,583 Posts
Quote from SiennaDeer8270 :
There's no problem giving income, ltv, credit score. But no one wants to give out email, address, phone number. They'll spam you like crazy. None of those contact details are necessary to give a loan estimate. Just show it on your website.
I dont disagree... but thats why i use a burner type email, phone number. True, you may still get some mail from them but its very small... its mainly emails and phone calls/texts. Google voice numbers and using a rarely used gmail is how i do all these things. Not just refinance... but other things (like when its time for a new car).
Jul 02, 2020 03:53 PM
2,583 Posts
Joined Feb 2008
LeaninBack916Jul 02, 2020 03:53 PM
2,583 Posts
Quote from marsgamer :
Spoke to better and they said since the LE didn't reflect the $2100 they didn't take that into account and that it needs to reflect on LE, my broker says once I lock in the rate it will have $2100 lender credit, I have asked broker to atleast send me an email with lender credit so that I can forward this to better as proof. Lets see how this goes
sounds like your broker is one of those sleazeballs. Any real company would put it on there to flaunt how good they are.
Quote from baronvdb :
FYI 2.25% for 15 year fixed is still out there. I got an LE this afternoon for that today. The loan is just under $300k so I was even more impressed that rate was available. This was from loan depot and from my limited interaction with them they seem to be pretty quick easy to deal with...
I tried and tried to get that without points. 2.375% with no points was the best i could do. It was actually 2.375% with $390 in points (.017) but then I did the title price match and they didnt take away C but they offered to t take away all points to match the price difference.
Jul 02, 2020 03:55 PM
1,412 Posts
Joined Jan 2020
SiennaDeer8270Jul 02, 2020 03:55 PM
1,412 Posts
Quote from LeaninBack916 :
I dont disagree... but thats why i use a burner type email, phone number. True, you may still get some mail from them but its very small... its mainly emails and phone calls/texts. Google voice numbers and using a rarely used gmail is how i do all these things. Not just refinance... but other things (like when its time for a new car).
The worst is when they want to call you. No one wants to talk to these people. Why do they insist on calling you when the customer doesn't want to talk? You'd think every lender would know this by now and accomodate the customer to get more business. Just send the stinking estimate and we will let you know if we want to continue.
Jul 02, 2020 04:01 PM
2,583 Posts
Joined Feb 2008
LeaninBack916Jul 02, 2020 04:01 PM
2,583 Posts
Definitely recommend for your CA folks to get quotes from Fidelity/Radian/etc for the title. From what I read here, and my experience, I got a title quote from Radian for $520 which was lower than the $920 originally stated by Better. In my case, they said they couldn't price match the section C but they would instead take away my $390 in points (.017 points) and it would net the same if i wanted to go that route. So now my ABC is just the Section B $67 and the Section C $920. Sure it was a $10 difference but I'd rather just use what they already had.

Fidelity quoted me $590. This was for a CA property, 230k loan estimate.

Also, they ordered an external appraisal only (free obviously with this deal) and man the appraisal was so low... $33k less than what I had just 4 months ago.. yet what sold in my area (without my fully paid solar and all new hvac/concrete adds/etc) had 3 properties that sold for $390k. They used one house that sold for $352k which was a short sale in bad condition as the #1 comparable to arrive at $355k. They told me my LTV was still fine but any lower and my rate would have gone up most likely. Truly pathetic.
Last edited by LeaninBack916 July 2, 2020 at 09:03 AM.
Jul 02, 2020 04:02 PM
2,583 Posts
Joined Feb 2008
LeaninBack916Jul 02, 2020 04:02 PM
2,583 Posts
Quote from SiennaDeer8270 :
The worst is when they want to call you. No one wants to talk to these people. Why do they insist on calling you when the customer doesn't want to talk? You'd think every lender would know this by now and accomodate the customer to get more business. Just send the stinking estimate and we will let you know if we want to continue.
LOL! Isnt that the truth. I hate talking on the phone to just answer what I already provided online. I agree... just email the dang LE and move on. If you cant offer a good price, thats fine find another person to do that.
Jul 02, 2020 04:21 PM
1,007 Posts
Joined Mar 2019
CycloneFWJul 02, 2020 04:21 PM
1,007 Posts
Quote from LeaninBack916 :
I dont disagree... but thats why i use a burner type email, phone number. True, you may still get some mail from them but its very small... its mainly emails and phone calls/texts. Google voice numbers and using a rarely used gmail is how i do all these things. Not just refinance... but other things (like when its time for a new car).
Pinger app for a burner number and (for Apple folks) iCloud aliases for temp email addresses work great! When I'm done, shut down the # and delete the alias email, so no new mail comes in, but I still have all the messages I got for my records.

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Jul 02, 2020 04:24 PM
1,007 Posts
Joined Mar 2019
CycloneFWJul 02, 2020 04:24 PM
1,007 Posts
Quote from LeaninBack916 :
LOL! Isnt that the truth. I hate talking on the phone to just answer what I already provided online. I agree... just email the dang LE and move on. If you cant offer a good price, thats fine find another person to do that.
They are sadly used to people who aren't savvy (that this is so common is the sad part) that they hope the phone call can lead to an emotional "yeah, sounds great, do whatever".
1
Jul 02, 2020 04:34 PM
2,521 Posts
Joined Aug 2007
sleekwalletJul 02, 2020 04:34 PM
2,521 Posts
Quote from CycloneFW :
They are sadly used to people who aren't savvy (that this is so common is the sad part) that they hope the phone call can lead to an emotional "yeah, sounds great, do whatever".
yup, pretty much
Jul 02, 2020 04:54 PM
3,126 Posts
Joined Jun 2007
nicemannJul 02, 2020 04:54 PM
3,126 Posts
Quote from KrustyVT :
For CA property owners, a heads up that the owning.com rate for a 30 year fixed refi, up to $765k, dropped to 2.99% today, with no closing costs - the lowest I've seen it since I've been tracking since October, 2019.

As of 7/2, all with no closing costs:

15 year fixed, up to $510k - 2.5%
15 year fixed, up to $765k - 2.75%
30 year fixed, up to $510k - 2.75%
30 year fixed, up to $765k - 2.99%

Only thing about these types of sites they put these great interest rates out there and then it's for "50% loan to value". If you are not at 50% LTV the rates go up.
Jul 02, 2020 05:20 PM
1,412 Posts
Joined Jan 2020
SiennaDeer8270Jul 02, 2020 05:20 PM
1,412 Posts
Quote from LeaninBack916 :
Definitely recommend for your CA folks to get quotes from Fidelity/Radian/etc for the title. From what I read here, and my experience, I got a title quote from Radian for $520 which was lower than the $920 originally stated by Better. In my case, they said they couldn't price match the section C but they would instead take away my $390 in points (.017 points) and it would net the same if i wanted to go that route. So now my ABC is just the Section B $67 and the Section C $920. Sure it was a $10 difference but I'd rather just use what they already had.

Fidelity quoted me $590. This was for a CA property, 230k loan estimate.

Also, they ordered an external appraisal only (free obviously with this deal) and man the appraisal was so low... $33k less than what I had just 4 months ago.. yet what sold in my area (without my fully paid solar and all new hvac/concrete adds/etc) had 3 properties that sold for $390k. They used one house that sold for $352k which was a short sale in bad condition as the #1 comparable to arrive at $355k. They told me my LTV was still fine but any lower and my rate would have gone up most likely. Truly pathetic.
Again radian has no online quote. You have to provide email and phone number and they get back to you. That is garbage. Fidelity and Chicago title will give you an instant quote. I don't bother with companies that don't give instant quotes.
Jul 02, 2020 05:42 PM
2,065 Posts
Joined Aug 2009
polvoprismboyJul 02, 2020 05:42 PM
2,065 Posts
Signed the papers Tuesday, wired the money yesterday...I guess I'm done? Not sure what the next step is.
Jul 02, 2020 05:44 PM
1,412 Posts
Joined Jan 2020
SiennaDeer8270Jul 02, 2020 05:44 PM
1,412 Posts
Quote from polvoprismboy :
Signed the papers Tuesday, wired the money yesterday...I guess I'm done? Not sure what the next step is.
Do you need to wire the closing costs if it's just a few hundred due from the borrower? Seems like a waste of $50 wiring fee for such a small amount.
Jul 02, 2020 05:47 PM
904 Posts
Joined Nov 2017
gk6740Jul 02, 2020 05:47 PM
904 Posts
Quote from SiennaDeer8270 :
Do you need to wire the closing costs if it's just a few hundred due from the borrower? Seems like a waste of $50 wiring fee for such a small amount.
I would ask them to just include it in the loan if they can to save that step.

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Jul 02, 2020 05:55 PM
350 Posts
Joined Jun 2012
flyeaglesfly33Jul 02, 2020 05:55 PM
350 Posts
I rate locked on 6/23 from a LE match from AIM and just received a better LE from Lenderfi and submitted to my Processing Expert. He responded saying he is not licensed in my state and forwarded it onto the " capital markets team" for a match review. Anyone have any experience going this route? The rate is .25 better for roughly the same amount of fees, so I would to get it rematched.

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