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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The "solution" is to lock the rate first then add the deal. I unintentionally did that and got my offer beat by $1000. I was charged an appraisal fee that was later refunded. I did get the task to enter the last 5 of my card when I got closing disclosures for the $2500 credit.
The beat actually worked out to be closer to $2000 as they included their appraisal fee in the match price and matched re-issue title insurance costs which then also went down after the title search.
A friend who has almost identical loan details to mine and went through the Amex link got a match only. They did match the higher title insurance cost which later went down, so about $600 savings there.
Is there any way to get this offer other than it being offered to you? not on my amex....
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Once you are locked, its highly doubtful they will do anything better than match exactly what another lenders LE is. They typically will not beat it by anything. You lose a ton of your matching power after you have locked in a rate with them.
I'm in South Carolina. Got 30 yr 3.25% on 200k loan. 800 credit. Home value 275k.
I've scanned many pages of this thread. Can I apply again for same home on same Amex card and get this bonus again or must it be a different house or different Amex card?
FYI - perfect credit score. LTV 50%. Good loan amount. Multiple lenders offered me the same rate that better missed by 3k. Rates have stayed at historic lows for a whole week now. Just not worth the aggravation and the chance of missing what you already have if rates go up.
FYI - perfect credit score. LTV 50%. Good loan amount. Multiple lenders offered me the same rate that better missed by 3k. Rates have stayed at historic lows for a whole week now. Just not worth the aggravation and the chance of missing what you already have if rates go up.
Fingers and toes crossed rates stay low (or lower) for another 5 months then I see if I can reduce rate even more.
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Just FYI, I will not trust them to handle my mortgage. If they cannot show interest in this phase of quoting me, I cannot trust them with financing or for whatever reason if I need their help.
Go somewhere else !!
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