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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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Jul 5, 2020 5:53 PM
395 Comments
Joined Apr 2016
physio1213Jul 5, 2020 5:53 PM
395 Comments
Quote from JetBlast View quoted comment :
Did you email Arnold directly? I just sent an application to Loan Cabin as they had some really low advertised rates. I'm trying to close with Better on Friday so hoping to reduce my rate by another 1/8 and I'll be happy.
Mine was not Arnold. I sent emails, many phone calls to all three people listed on my team including closing expert. The concierge guy didt pick up the phone so it got delayed with time sensitive formation. I talked directly to the supervisor to expedite things before closing and he came back with lender credit offer. So its whoever pick up the call. They all can take new LE and bring the rate down.
Jul 5, 2020 6:46 PM
1.4K Comments
Joined Mar 2005
NoirishJul 5, 2020 6:46 PM
1.4K Comments
I'm trying to get Better to match. Loan Cabin seems to have cheaper fee compared to Aim Loan, but I'm still waiting for official LE from LC. What other lenders offer good investment mortgage refinance?
Last edited by Noirish July 5, 2020 at 11:49 AM.
Jul 5, 2020 6:48 PM
395 Comments
Joined Apr 2016
physio1213Jul 5, 2020 6:48 PM
395 Comments
Quote from aroundtheriver View quoted comment :
I combed through a few pages on the thread, but bumping this question...

I refinanced in April to a 20 year and received the $2,500 credit. Looking to refi again to drop the rate a bit before the promo expires. Has anyone successfully received the $2,500 twice on the same card?

It's showing in my Better account I qualify (concierge and free appraisal), though would love confirmation.
You can ask directly to Better. They know what people are doing. They told me Better is paying $2500 to AMEX per transaction so You can use the same card and there is no wait time before you can refinance again. They told me to make a new account with new email using AMEX link.
Jul 5, 2020 7:11 PM
45 Comments
Joined Apr 2020
MrDiojiJul 5, 2020 7:11 PM
45 Comments
Quote from micky_d View quoted comment :
Sure, I see your point. But Now a days knowing your credit score from three credit bureaus are so much easier. In fact, in past 5-6 years, we bought / refi 3 times on two properties and we never did upfront credit check to get rates. And rate at final lock was no different from what we were offered. And whichever type of credit check lenders will do that should not be off by 25-50 points from what you see in your credit scores from three bureaus. If it does then there's certainly issues in one of them and that is more concerning and you should fix that first.
And guess what, if my "true" score is worst than what I know of then I can't blame lenders for that.
My point is, as a smart shopper one needs to have fairly good idea of rates before they shop. At the end of the day you might $20-30 up or down anyway if you are not locking on the day you are getting estimates so what good is credit check with every lender ?
When I refi'd a couple years ago, my credit card FICO scores were 780, FAKO were 800+. When they pulled my mortgage FICO, they ranged from 730-750. Luckily my middle score was 741, so I still go the best rate. But that's a 40 point difference. This time around, my mortgage FICO more closely aligned with my cc FICO.
Last edited by MrDioji July 5, 2020 at 03:48 PM.
Jul 5, 2020 7:15 PM
922 Comments
Joined Aug 2010
JetBlastJul 5, 2020 7:15 PM
922 Comments
Quote from physio1213 View quoted comment :
Mine was not Arnold. I sent emails, many phone calls to all three people listed on my team including closing expert. The concierge guy didt pick up the phone so it got delayed with time sensitive formation. I talked directly to the supervisor to expedite things before closing and he came back with lender credit offer. So its whoever pick up the call. They all can take new LE and bring the rate down.
Thanks. I may not be as lucky because when I was negotiating they all said they weren't authorized in Texas. So I may be stuck with Arnold.

I am close to closing and my rate doesn't expire until mid August so I may just take my sweet time to annoy them if they don't match.
Jul 5, 2020 8:09 PM
908 Comments
Joined Nov 2017
gk6740Jul 5, 2020 8:09 PM
908 Comments
Quote from MrDioji View quoted comment :
When I refi'd a couple years ago, my credit card FICO scores were ~780, FAKO were 800+. When they pulled my mortgage FICO, they ranged from 730-750. Luckily my middle score was 741, so I still go the best rate. But that's a ~40 point difference. This time around, my mortgage FICO more closely aligned with my cc FICO.
I took around a 15-20 point hit on FICO from multiple sources to the one they use for home loans. They actually took the lowest score from what I can see vs the average.
Jul 5, 2020 8:17 PM
1.4K Comments
Joined Jan 2020
SiennaDeer8270Jul 5, 2020 8:17 PM
1.4K Comments
Quote from damnyou View quoted comment :
I am in GA and I would recommend starting with Provident. You can also contact Delta Community Credit Union. I also had good experience with small banks like Ameris (earlier known as Fidelity Bank), NorthPointe Bank and Rensant Bank. By small I meant not as large compared to Wells Fargo, Chase or BoA
None of these have online quotes. I don't have the time or patience to apply to every bank in hopes of getting a good rate. Show me what I'm applying for and then I'll send in an application.

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Jul 5, 2020 8:32 PM
11.1K Comments
Joined Aug 2007
damnyouJul 5, 2020 8:32 PM
11.1K Comments
Quote from SiennaDeer8270 View quoted comment :
None of these have online quotes. I don't have the time or patience to apply to every bank in hopes of getting a good rate. Show me what I'm applying for and then I'll send in an application.
Only provident shows rates with fees online

https://www.provident.com/TodaysRates

For the banks I listed, unfortunately you have to reach out to their lenders to get an estimate. I know in Ameris and Northpointe who can provide you offline.
Jul 5, 2020 10:04 PM
3.8K Comments
Joined Oct 2010
k1ngkev1n1Jul 5, 2020 10:04 PM
3.8K Comments
Do you need Amex savings or just Amex credit card correct? And does better match other lenders rates?

Loan depot 3.125%
Loan cabin 2.5% advertised waiting on offer
Owning 2.75% but said my loan was too low (235k)

All 30 yr fixed. In CA.
Last edited by k1ngkev1n1 July 5, 2020 at 03:06 PM.
Jul 5, 2020 10:39 PM
392 Comments
Joined Feb 2007
zaksterJul 5, 2020 10:39 PM
392 Comments
I have read the recent pages on this thread but cannot see if anyone successfully got Better to match a LE from loancabin yet.
Jul 5, 2020 11:14 PM
908 Comments
Joined Nov 2017
gk6740Jul 5, 2020 11:14 PM
908 Comments
Quote from SiennaDeer8270 View quoted comment :
None of these have online quotes. I don't have the time or patience to apply to every bank in hopes of getting a good rate. Show me what I'm applying for and then I'll send in an application.
Sorry if we can not help you.

This forum is to help people help themselves. It is not a social agency.
1
Jul 5, 2020 11:15 PM
908 Comments
Joined Nov 2017
gk6740Jul 5, 2020 11:15 PM
908 Comments
Quote from zakster View quoted comment :
I have read the recent pages on this thread but cannot see if anyone successfully got Better to match a LE from loancabin yet.
I could not get a real LE from Loan Cabin. but quote for Lenderfi was good and Better matched it.
Jul 5, 2020 11:30 PM
62 Comments
Joined Sep 2013
tough6guyJul 5, 2020 11:30 PM
62 Comments
Quote from gk6740 View quoted comment :
I could not get a real LE from Loan Cabin. but quote for Lenderfi was good and Better matched it.
I applied online on loancabin over the weekend. will report back my findings
Jul 5, 2020 11:35 PM
502 Comments
Joined Apr 2009
LeoropeJul 5, 2020 11:35 PM
502 Comments
Just to be clear, they didn't require an LE from LenderFi? Only a quick quote you pulled on your own online sufficed for the match with Better?

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Jul 5, 2020 11:38 PM
1.4K Comments
Joined Jan 2020
SiennaDeer8270Jul 5, 2020 11:38 PM
1.4K Comments
Quote from gk6740 View quoted comment :
Sorry if we can not help you.

This forum is to help people help themselves. It is not a social agency.
You didn't provide any help regarding this post. Why are you sticking your nose where it doesn't belong?

When people post recommendations, it would be helpful if you indicate if online quotes are available. Sometimes I'll look up a recommendation go through all the questions and then at the end it says they'll contact me with the results. I don't want to be contacted. I just want to know the rate and fees.

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