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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:

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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Jul 03, 2020 01:20 AM
161 Posts
Joined Oct 2011
CBB123Jul 03, 2020 01:20 AM
161 Posts
Quote from micky_d :
I have spoken with couple of lenders and I don't ask include escrow when I am talking about closing costs. And it may seem attractive to jump on to a $100-200 lower per month payments but with $5000 rolled into you loan you will need at least 2-3 years ( $200x25 months) when you are even out. If you are absolutely certain on staying in home for say next 4-5 years then only it makes sense to refinance. For my case, that's a bit tricky decision. And not mention it after saying in a place for 6-7 years with 30 year mortgage , you are refinancing again for 30 years then you are restarting you pay more of interest over time. The math has to make sense in both cases. I hope most of people here thinking or at least are aware of that.
My understanding is that if you do escrow, then you get less points for a given rate cause the lender likes knowing that tax and insurance payment is guaranteed. And you can always remove escrow after it goes to servicer, (which may incur a cost, depending on the servicer.)
Jul 03, 2020 01:26 AM
12 Posts
Joined Jun 2020
tganz1993Jul 03, 2020 01:26 AM
12 Posts
Quote from lowmazda :
how long did the title process take?
Started to June 16....it now says they are reviewing the title. Have not been assigned a closing agent yet.
Jul 03, 2020 01:32 AM
5,324 Posts
Joined Jul 2004
Gdog2004Jul 03, 2020 01:32 AM
5,324 Posts
Keep an eye on your "initial closing disclosure" document you are suppose to review before closing. I was supposes to get 1000.00 of lender credits and it was in all of my disclosure statements prior to this one and this one it was taken out for some reason. I told them unless it gets put back...no go.
Jul 03, 2020 01:38 AM
904 Posts
Joined Nov 2017
gk6740Jul 03, 2020 01:38 AM
904 Posts
Quote from micky_d :
I have spoken with couple of lenders and I don't ask include escrow when I am talking about closing costs. And it may seem attractive to jump on to a $100-200 lower per month payments but with $5000 rolled into you loan you will need at least 2-3 years ( $200x25 months) when you are even out. If you are absolutely certain on staying in home for say next 4-5 years then only it makes sense to refinance. For my case, that's a bit tricky decision. And not mention it after saying in a place for 6-7 years with 30 year mortgage , you are refinancing again for 30 years then you are restarting you pay more of interest over time. The math has to make sense in both cases. I hope most of people here thinking or at least are aware of that.
Every official loan estimate lists escrow separate. You can easily see what the REAL closing costs are. Even though you are setting up a new loan at 30 years,you may or may not be paying more interest. You need to do the math on a spreadsheet.
Jul 03, 2020 01:42 AM
904 Posts
Joined Nov 2017
gk6740Jul 03, 2020 01:42 AM
904 Posts
Quote from SiennaDeer8270 :
Hard drive? You can do this entire process just on your phone. That's the beauty of better.com.
Yes, you can do a few on your phone. I worked with 6+ lenders. I kept a PDF copy of every LE on my hard drive and put all the numbers into a spreadsheet. Never try to figure out the numbers via a phone conversation. 99% chance you and/or the agent will screw it up.
Jul 03, 2020 01:53 AM
1,971 Posts
Joined Aug 2010
Debit2CashJul 03, 2020 01:53 AM
1,971 Posts
Quote from JetBlast :
Has anyone successfully received cash back at closing from Better. I can't get anyone over there to answer why they reduced my loan amount from the LE that was originally showing cash to borrower at close.
I got 1800 back from Better. The cap was 2k before it became a cash out refinance.
Jul 03, 2020 01:56 AM
1,971 Posts
Joined Aug 2010
Debit2CashJul 03, 2020 01:56 AM
1,971 Posts
Do we have anything (maybe a wiki?) showing timing on when people received their cash back? My loan funded on May 6th meaning my 8 weeks was yesterday. it says 8-12 weeks so I would assume it would appear at the latest by the end of this month. Crossing my fingers!

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Jul 03, 2020 02:41 AM
205 Posts
Joined Aug 2013
SomeXYZJul 03, 2020 02:41 AM
205 Posts
Quote from Debit2Cash :
Do we have anything (maybe a wiki?) showing timing on when people received their cash back? My loan funded on May 6th meaning my 8 weeks was yesterday. it says 8-12 weeks so I would assume it would appear at the latest by the end of this month. Crossing my fingers!
Mine was closed May 4th and still waiting?
Jul 03, 2020 02:45 AM
1,412 Posts
Joined Jan 2020
SiennaDeer8270Jul 03, 2020 02:45 AM
1,412 Posts
Quote from gk6740 :
Yes, you can do a few on your phone. I worked with 6+ lenders. I kept a PDF copy of every LE on my hard drive and put all the numbers into a spreadsheet. Never try to figure out the numbers via a phone conversation. 99% chance you and/or the agent will screw it up.
Who talks on the phone? You can do the entire process through email.
Jul 03, 2020 03:27 AM
607 Posts
Joined Jan 2006
marsgamerJul 03, 2020 03:27 AM
607 Posts
Better matched my LE from other broker.

2.5% 15 years no points - Rate Locked

D= A+B+C = $1779 ( I am going to bring this down to $1079 found lower title cost)
E+F+G+H = $4947(Homeowners Ins+ Property Taxes)
D + I = $6,726
Lender Credits = - $1,071
Amex credit =- $2500

Is this good?

TIA
Jul 03, 2020 03:27 AM
2,904 Posts
Joined Sep 2010
tayninhJul 03, 2020 03:27 AM
2,904 Posts
Do we have to inform Better' agent about Amex $2,500 deal prior to any matching/negotiation?

Also, I forgot to click on the Amex link when starting the application process. I only filled out some parts so they can give me the Loan Estimate so far. Is that too late to qualify for the Amex credit? When do we have to to click on the link?
Jul 03, 2020 03:31 AM
274 Posts
Joined Jul 2017
arl16Jul 03, 2020 03:31 AM
274 Posts
Quote from marsgamer :
Better matched my LE from other broker.

2.5% 15 years no points - Rate Locked

D= A+B+C = $1779 ( I am going to bring this down to $1079 found lower title cost)
E+F+G+H = $4947(Homeowners Ins+ Property Taxes)
D + I = $6,726
Lender Credits = - $1,071
Amex credit =- $2500

Is this good?

TIA
What state and broker please?
Jul 03, 2020 03:32 AM
274 Posts
Joined Jul 2017
arl16Jul 03, 2020 03:32 AM
274 Posts
Looks like AimLoam turned off their automatic LE process if you apply via the website. Now its only giving a calculation sheet instead of LE. Oh boy... getting more and more difficult to get any LEs now...
Jul 03, 2020 03:35 AM
607 Posts
Joined Jan 2006
marsgamerJul 03, 2020 03:35 AM
607 Posts
Quote from arl16 :
What state and broker please?
Oregon, http://hightechlending.mortgagewebcenter.com/

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Jul 03, 2020 03:38 AM
904 Posts
Joined Nov 2017
gk6740Jul 03, 2020 03:38 AM
904 Posts
Quote from tayninh :
Do we have to inform Better' agent about Amex $2,500 deal prior to any matching/negotiation?

Also, I forgot to click on the Amex link when starting the application process. I only filled out some parts so they can give me the Loan Estimate so far. Is that too late to qualify for the Amex credit? When do we have to to click on the link?
Quote from tayninh :
Do we have to inform Better' agent about Amex $2,500 deal prior to any matching/negotiation?

Also, I forgot to click on the Amex link when starting the application process. I only filled out some parts so they can give me the Loan Estimate so far. Is that too late to qualify for the Amex credit? When do we have to to click on the link?
Yes... read the terms - how would they know? I would start over. Try to use a different email as well.

To be eligible for the $2,500 statement credit, you must (i) click-through the dedicated offer link, and (ii) submit a completed application on Better Mortgage's webpage dedicated to the offer no later than 7/25/2020,

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