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expired Posted by Greenworld123 • Dec 8, 2019
expired Posted by Greenworld123 • Dec 8, 2019

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 6, 2020
1,391 Posts
Joined Jan 2004
Jul 6, 2020
seawolf
Jul 6, 2020
1,391 Posts
Quote from micky_d :
A bit unrelated question, is it possible to pay towards "mortgage interest" amount in advance ? I mean say a house is $300k and with a 30 year loan you have about $160k in interest for the duration of approved loan. Is there any way to pay say $50k towards the interest amount ?
Why would you want to do that? You can't pay for interest that hasn't accrued.
Jul 6, 2020
387 Posts
Joined Feb 2007
Jul 6, 2020
zakster
Jul 6, 2020
387 Posts
Quote from gk6740 :
I could not get a real LE from Loan Cabin. but quote for Lenderfi was good and Better matched it.
Any reason why it is difficult to get LE from loan cabin? Are they backed up like some other lenders?
Jul 6, 2020
900 Posts
Joined Nov 2017
Jul 6, 2020
gk6740
Jul 6, 2020
900 Posts
Quote from walled :
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?
In my case... I got a full LE. Everyone but Loancabin gave me an LE... often multiple
Jul 6, 2020
900 Posts
Joined Nov 2017
Jul 6, 2020
gk6740
Jul 6, 2020
900 Posts
Quote from zakster :
Any reason why it is difficult to get LE from loan cabin? Are they backed up like some other lenders?
I don't know.They just did not respond.
Jul 6, 2020
2,467 Posts
Joined Jun 2011
Jul 6, 2020
savemybucks
Jul 6, 2020
2,467 Posts
Quote from sadida :
Just closed on a 500k+ refinance. Better matched to other lenders for a 15-year fixed 2.375% interest rate with 1600+ lender's credit, which is more than enough to cover the loan cost (D+E). With additional 2500 credit from AMEX to come, I have to say I am very pleased with Better for my refinance.
Where was the competing LE from? TIA
Jul 6, 2020
205 Posts
Joined Aug 2013
Jul 6, 2020
SomeXYZ
Jul 6, 2020
205 Posts
https://hightechlending.mortgagewebcenter.com/ is this site reliable to get quotes?

It is showing quotes date as July 1st.
Jul 6, 2020
204 Posts
Joined Jun 2013
Jul 6, 2020
https404
Jul 6, 2020
204 Posts
Quote from physio1213 :
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.
Second mortgage application: I have created new account with new email, to my surprise after 2 days both accounts are merged and I can see new loan (still did not lock) under previous account

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Jul 6, 2020
3,720 Posts
Joined Oct 2010
Jul 6, 2020
k1ngkev1n1
Jul 6, 2020
3,720 Posts
Quote from SomeXYZ :
https://hightechlending.mortgagewebcenter.com/ is this site reliable to get quotes?

It is showing quotes date as July 1st.
I don't think that's legit I wish it is rates are great haha. The yelp for them in Irvine leads to a difference web page.
Jul 6, 2020
384 Posts
Joined Apr 2016
Jul 6, 2020
physio1213
Jul 6, 2020
384 Posts
Quote from https404 :
Second mortgage application: I have created new account with new email, to my surprise after 2 days both accounts are merged and I can see new loan (still did not lock) under previous account
This is new. Make sure you are entering different user i.d . I have both accounts running fine. I locked the rate on 2nd account on Thursday.
Jul 6, 2020
489 Posts
Joined Feb 2012
Jul 6, 2020
Mikey122687
Jul 6, 2020
489 Posts
Quote from TxJDog :
yeah I was able to get them to match a rate 2 weeks prior to closing and also got them to offer a better lender credit on the same day that I received by Final Disclosures which was a week before closing.
Did you sign all your closing docs and then ask them to match or no?
Jul 6, 2020
383 Posts
Joined Jun 2010
Jul 6, 2020
TxJDog
Jul 6, 2020
383 Posts
Quote from Mikey122687 :
Did you sign all your closing docs and then ask them to match or no?
No I expressed grievances of how closing was taking too long and how I had a better offer. They gave a verbal offer that was better than their current and stated the changes would be noted on final disclosure documents posted later that day.
Pro
Jul 6, 2020
5,053 Posts
Joined Jul 2006
Jul 6, 2020
shahhere
Pro
Jul 6, 2020
5,053 Posts
Quote from tough6guy :
I applied online on loancabin over the weekend. will report back my findings
Quote from seawolf :
Why would you want to do that? You can't pay for interest that hasn't accrued.
Quote from zakster :
Any reason why it is difficult to get LE from loan cabin? Are they backed up like some other lenders?
Quote from gk6740 :
In my case... I got a full LE. Everyone but Loancabin gave me an LE... often multiple
Quote from gk6740 :
I don't know.They just did not respond.

I applied with them last week or the week before and they were slow as it took them 3 days and I also called twice and emailed several times to stay on top of them.


Their Lender Estimate was accurate btw and its slow but so far as I've noted is the best one without any surprises. Online reviews of their team was also spot on and has been really good but it seems like they are backed up quite a bit. Give them time and stay on top of them so that you get what you need while the rates are low.


Shahhere
Pro
Jul 6, 2020
5,853 Posts
Joined Dec 2008
Jul 6, 2020
bluetrep
Pro
Jul 6, 2020
5,853 Posts
loan cabin does not even list their phone number. how can you call them?


Quote from shahhere :
I applied with them last week or the week before and they were slow as it took them 3 days and I also called twice and emailed several times to stay on top of them.


Their Lender Estimate was accurate btw and its slow but so far as I've noted is the best one without any surprises. Online reviews of their team was also spot on and has been really good but it seems like they are backed up quite a bit. Give them time and stay on top of them so that you get what you need while the rates are low.


Shahhere
Jul 6, 2020
1,004 Posts
Joined Mar 2019
Jul 6, 2020
CycloneFW
Jul 6, 2020
1,004 Posts
Quote from bluetrep :
loan cabin does not even list their phone number. how can you call them?
This may be different on desktop as I am on mobile, hut I went to LoanCabin.com, scrolled the very bottom, and see 877-828-2713 listed next to the Facebook, Twitter, Instagram, LinkedIn, BBB, and Equal Housing Opportunity logos.

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Pro
Jul 6, 2020
5,053 Posts
Joined Jul 2006
Jul 6, 2020
shahhere
Pro
Jul 6, 2020
5,053 Posts
Quote from bluetrep :
loan cabin does not even list their phone number. how can you call them?

I know it seemed that way but if you scroll to be bottom of their web page there is an 877 number (-- The given link is broken --).


"Removed agents Direct number after some thought but the above number will lead to her if needed as i've found no difference in response in my situation".


Shahhere
Last edited by shahhere July 6, 2020 at 07:04 AM.

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