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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Which Policy Form are you using?
- ALTA Standard Coverage Loan Policy
- ALTA Extended Coverage Loan Policy
- ALTA Short form Residential Loan Policy
Which of the above we need to select ?.
Also the title settlement fee does it show up on the rate quote as a separate line item or this is all included in the price they quote?
Think of it similar (but not quite) as how most lenders will write your mortgage notes to Fannie Mae or Freddie Mac standards, even if they have no intention of selling the mortgage to these entities. They are a convenient, standard set of contracts they can use.
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LOCK and then get a valid LE. If you have to leave after that, tough crap on them. Of course he is not thrilled... so what?
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Anyone in TX ? My loan is under 4 years so I qualify for a discount on the title insurance. Do I have to use the same title company or I can pick any one ?
Do I get a discount if I refinance?
Yes, if you refinance within eight years. The premium discount varies, based on the number of years since your current loan began. If your current loan was within four years of your new loan, you get a 50% discount on the basic premium. If your current loan was between four and eight years before the new loan, you get a 25% discount. After eight years, you do not get a discount.
Do title companies charge the same policy premiums?
Yes. Title insurance rates in Texas are regulated. All title companies will charge the same premium for a policy. Rates are based on the property's sale value. For example, the basic premium for a $50,000 property is $522, and the basic premium for a $100,000 property is $875.
Texas Title Insurance Basic Premium Rates
https://www.tdi.texas.g
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