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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.
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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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Jul 3, 2020 3:57 AM
2.5K Comments
Joined Jun 2011
savemybucksJul 3, 2020 3:57 AM
2.5K Comments
Quote from arl16 View quoted comment :
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...
I have done loancabin and lenderfi today. Wondering how long they take currently? Planning sofi later.
Jul 3, 2020 4:43 AM
14 Comments
Joined Jun 2020
MerryFuel495Jul 3, 2020 4:43 AM
14 Comments
Whats the best rate one is getting for 30 year fixed zero points jumbo refinance?
Jul 3, 2020 4:50 AM
274 Comments
Joined Jul 2017
arl16Jul 3, 2020 4:50 AM
274 Comments
Quote from savemybucks View quoted comment :
I have done loancabin and lenderfi today. Wondering how long they take currently? Planning sofi later.
LoanCabin's rates look really good. Unfortunately they don't operate in my state so couldnt get an LE Frown
Jul 3, 2020 6:11 AM
356 Comments
Joined May 2005
KrustyVTJul 3, 2020 6:11 AM
356 Comments
Quote from user017 View quoted comment :
Rep'd

Where do you track? I am at 3.37. No one is coming down for Jumbo loans.
Manual effort only - like you said, jumbo loans aren't moving much at all, so that's just me keeping a daily eye on the posted rates on owning.com. I'm currently at 3.625%, and looking to move down ...
Jul 3, 2020 12:31 PM
19 Comments
Joined Jun 2019
PhillipW1Jul 3, 2020 12:31 PM
19 Comments
I price matched better yesterday with another lender LE. When I got the new LE from Better, they increased the loan amount on the 1st line from the previous LE. I know this is an estimate and I know my payoff amount. Does this estimate really matter in the end?

Thanks!
Jul 3, 2020 12:48 PM
2.5K Comments
Joined Aug 2007
sleekwalletJul 3, 2020 12:48 PM
2.5K Comments
Quote from PhillipW1 View quoted comment :
I price matched better yesterday with another lender LE. When I got the new LE from Better, they increased the loan amount on the 1st line from the previous LE. I know this is an estimate and I know my payoff amount. Does this estimate really matter in the end?

Thanks!
10% shouldn't matter much
Jul 3, 2020 1:26 PM
3.2K Comments
Joined Jun 2007
nicemannJul 3, 2020 1:26 PM
3.2K Comments
Quote from MerryFuel495 View quoted comment :
Whats the best rate one is getting for 30 year fixed zero points jumbo refinance?
Way too many factors. It all depends on your credit score, loan amount, loan to value, and where you live. There has been many sites posted here to check rates instantly.

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Jul 3, 2020 2:46 PM
205 Comments
Joined Jun 2013
https404Jul 3, 2020 2:46 PM
205 Comments
Quote from SiennaDeer8270 View quoted comment :
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 gave cashier's check to notary to save wiring fee
Jul 3, 2020 2:54 PM
205 Comments
Joined Jun 2013
https404Jul 3, 2020 2:54 PM
205 Comments
I'm about to apply for the second time , any tips ?
can I use online account ?
Thanks!!
Jul 3, 2020 3:20 PM
908 Comments
Joined Nov 2017
gk6740Jul 3, 2020 3:20 PM
908 Comments
Quote from https404 View quoted comment :
I'm about to apply for the second time , any tips ?
can I use online account ?
Thanks!!
Need a bit more detail what you are doing. Mind readers are rare here.
Apply what and when was first time and what is an online account
Jul 3, 2020 3:30 PM
62 Comments
Joined Sep 2013
tough6guyJul 3, 2020 3:30 PM
62 Comments
Applied online yesterday evening (just pre-approval). Talked to agent today and they gave a 3.125% for a 30 year. 330k loan with < 80% ltv. I asked if they will beat the competitors quotes. Agent did not sound positive, and said they will try to match but they are not trying to beat anymore. Agent suggested if I can get 2.75 else where without points.. may be I am better off going there. Do you guys think I should pursue this or just try with another application?. I did not submit competitors LE yet.
Jul 3, 2020 3:54 PM
3.2K Comments
Joined Jun 2007
nicemannJul 3, 2020 3:54 PM
3.2K Comments
Quote from tough6guy View quoted comment :
Applied online yesterday evening (just pre-approval). Talked to agent today and they gave a 3.125% for a 30 year. 330k loan with < 80% ltv. I asked if they will beat the competitors quotes. Agent did not sound positive, and said they will try to match but they are not trying to beat anymore. Agent suggested if I can get 2.75 else where without points.. may be I am better off going there. Do you guys think I should pursue this or just try with another application?. I did not submit competitors LE yet.
Depending on your credit score a 2.75% without points should not be hard to get. I would try to get a LE for that and if you want submit it to Better. If they say no you can go with the other lender.
Jul 3, 2020 4:26 PM
908 Comments
Joined Nov 2017
gk6740Jul 3, 2020 4:26 PM
908 Comments
Quote from tough6guy View quoted comment :
Applied online yesterday evening (just pre-approval). Talked to agent today and they gave a 3.125% for a 30 year. 330k loan with < 80% ltv. I asked if they will beat the competitors quotes. Agent did not sound positive, and said they will try to match but they are not trying to beat anymore. Agent suggested if I can get 2.75 else where without points.. may be I am better off going there. Do you guys think I should pursue this or just try with another application?. I did not submit competitors LE yet.
It appears you have not read any of this thread.

Common comments are get multiple quotes. Now.
Jul 3, 2020 4:49 PM
9 Comments
Joined Jan 2015
AKAKPJul 3, 2020 4:49 PM
9 Comments
Unfortunately, my experience with better.com has been extremely stressful. They ignore all emails. It is very hard to get hold of anyone even for important changes. Moreover the title company doesn't even provide the email address of the person who will be dealing with closing docs. I am seriously considering backing out of the deal. $2500 amex offer is awesome but i wonder if it worth this much stress.

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Jul 3, 2020 5:04 PM
1.5K Comments
Joined Oct 2006
avatar13Jul 3, 2020 5:04 PM
1.5K Comments
Quote from smile17 View quoted comment :
If you're worrying about community property in Texas, talk to an attorney before you sign anything. I'm not a lawyer but refinancing when you're married could mean you convert your personal property to community property. I might be wrong but it can be an expensive mistake if you don't know what you're getting into and God forbids something happen to your marriage.
Thanks I actually did consult with a real estate attorney yesterday. For those in similar situation this is what I found out:

1) I can keep the title as sole ownership. Since it was purchased prior to my marriage I can keep it the same and does not complicate title process during close since I can keep the titling as sole ownership. If I were to buy a new home now that would be different.

2) However, while community property doesn't really affect the title during a refi, it does dictate that from the time of marriage moving forward my spouse has claim to half of the equity build up on the home. In the event we were to get separated the courts could split the equity that it gained. This presumably includes the principle reduction and the appreciation in gain since money I earn while I'm married is considered community funds. Also any funds applied during refinance can also be split since this is paid with community funds. It may not be exactly 50%, especially if I am the primary wage earner and the down payment was done with my pre-marriage money solely. But the courts would want to protect the spouse in the event of separation. So the community property is always in effect once we get married refinance or not.
Last edited by avatar13 July 3, 2020 at 10:08 AM.

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