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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I think I have only talked to someone on the phone maybe once. Maybe none. Got at least 4 different LE from them before I locked. Got emails from various people as it moved through the process including their title company. Sent a better title estimate and lowered it the same day to match. From first email to final disclosure was about 10 days. Mainly because I sent them multiple competing LE. I am doing a $180k refi with 746 FICO, 30% LTV.
Got note today asking for AMEX account for eventual credit. Closing has $2,200 for all costs and a $1210 credit from lender. So about $1000 for closing, and $2500 credit later.
Common comments are get multiple quotes. Now.
I think I have only talked to someone on the phone maybe once. Maybe none. Got at least 4 different LE from them before I locked. Got emails from various people as it moved through the process including their title company. Sent a better title estimate and lowered it the same day to match. From first email to final disclosure was about 10 days. Mainly because I sent them multiple competing LE. I am doing a $180k refi with 746 FICO, 30% LTV.
Got note today asking for AMEX account for eventual credit. Closing has $2,200 for all costs and a $1210 credit from lender. So about $1000 for closing, and $2500 credit later.
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I just got a lender estimate online from AIM loan. The rate is 2.875 % with $1400 lender credit plus $1000 lender fee for an investment property ($180k; 15 y). I emailed LE to Better for a rate match but not many are working today.
Earlier, Better matched 3.25% rate (15 y) with a lower cost and I locked at that time.
Earlier, Better matched 3.25% rate with lower cost and I locked at that time.
Loan depot is going to spam you like crazy. Why cant companies give online estimates without personal info? This whole refinance game is a terrible experience. Buying tsla is much more fun.
I applied last week at 3.375% with $2000+ in costs and 2 days ago I had Better Match down to 2.75% with $1000 in credit.
I went to go lock today and I am seeing the rates all different and almost back at the 3.35% rate and am not sure if its because of the holiday but the Loan Estimate numbers are not the rate.
Shahhere
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