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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 7, 2020
546 Posts
Joined Nov 2006
Jul 7, 2020
BlackFire
Jul 7, 2020
546 Posts
What credit score do you need in order to get best rate on a 30-year fixed? I've got 745 and only got 3.375% with $1487 points.
Jul 7, 2020
754 Posts
Joined Oct 2007
Jul 7, 2020
swine
Jul 7, 2020
754 Posts
Quote from EasyEz :
I mean.... Do you really think rates are going to shoot up over night? I'll admit I did refi too quickly but I made $3k on it, got rid of PMI and lowered my rate by .50%. I thought Better sucked for what it's worth. If it wasn't for the $2500, I wouldn't even have given them a chance.
Right. I think other lenders also have an online system that will let you submit almost all information there, and most importantly, has a better rate! Only go there for the AMEX 2500.
Jul 7, 2020
900 Posts
Joined Nov 2017
Jul 7, 2020
gk6740
Jul 7, 2020
900 Posts
Quote from tough6guy :
How are you guys getting loan estimates from lenders?. All I am getting are rate sheets even after applying and them doing a credit pull. Do we get LE only after locking the rate and start submitting documents?
All except one of the handful I did sent me an LE. I think 1 or 2 did not do it right away, but with one email they did. Loan Cabin is the only one that did not.
Jul 7, 2020
900 Posts
Joined Nov 2017
Jul 7, 2020
gk6740
Jul 7, 2020
900 Posts
Quote from BlackFire :
What credit score do you need in order to get best rate on a 30-year fixed? I've got 745 and only got 3.375% with $1487 points.
Have you sent them competing LE's? that is the only I found to get lower rates out of any of them.
Jul 7, 2020
2,467 Posts
Joined Jun 2011
Jul 7, 2020
savemybucks
Jul 7, 2020
2,467 Posts
Did anyone got 0 point 2.25% or 2.375% 15 yr deal from any lender other than Better?

Also, any deal on Title services in PA? They all hover around 1900-2200 range.
Jul 7, 2020
900 Posts
Joined Nov 2017
Jul 7, 2020
gk6740
Jul 7, 2020
900 Posts
WHERE TO GET QUOTES:

I was able to do online quotes with LE's from each of these.
Better.com
LenderFi
Mr Cooper
Citizens
Figure
HomeFinity
AIM
LoanCabin - their own version of LE - never got a real one - maybe because I sent my close to final one from Better and they opted to not bother.

I did full application online. And they all did hard credit pulls.
Jul 7, 2020
754 Posts
Joined Oct 2007
Jul 7, 2020
swine
Jul 7, 2020
754 Posts
Quote from savemybucks :
Did anyone got 0 point 2.25% or 2.375% 15 yr deal from any lender other than Better?

Also, any deal on Title services in PA? They all hover around 1900-2200 range.
I just online quote Lenderfi and it was 2.25% 15y

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Jul 7, 2020
2,467 Posts
Joined Jun 2011
Jul 7, 2020
savemybucks
Jul 7, 2020
2,467 Posts
Quote from swine :
I just online quote Lenderfi and it was 2.25% 15y
with 0 points? and was on official LE?
Jul 7, 2020
754 Posts
Joined Oct 2007
Jul 7, 2020
swine
Jul 7, 2020
754 Posts
Quote from savemybucks :
with 0 points? and was on official LE?
Yes, 0 point. Actually, it was $9 credit.

To get LE from LenderFi, you need to submit application. And the loan officer will (or at least supposed would) send you one.
Jul 7, 2020
350 Posts
Joined Jun 2012
Jul 7, 2020
flyeaglesfly33
Jul 7, 2020
350 Posts
Quote from savemybucks :
with 0 points? and was on official LE?
Try Watermark Home Loans and Radian for title. I am also in PA. I know people have said Radian is closed for residentials, but I called the 800 number, sent an email, and had a quote within minutes.
Jul 7, 2020
124 Posts
Joined Jan 2016
Jul 7, 2020
kapuju
Jul 7, 2020
124 Posts
Is it 14 days or 30 days to have multiple hard pulls for the same reason only count as one pull? I always thought it was 30 days, but credit karma is telling me it's 14
Jul 7, 2020
2,467 Posts
Joined Jun 2011
Jul 7, 2020
savemybucks
Jul 7, 2020
2,467 Posts
Quote from swine :
Yes, 0 point. Actually, it was $9 credit.

To get LE from LenderFi, you need to submit application. And the loan officer will (or at least supposed would) send you one.
Damn that's good. I applied fully with ssn and hard pull and got 1.20 points LE for 2.25% rate for refi. excellent credits and LTV ratio less than 55%
Jul 7, 2020
1,004 Posts
Joined Mar 2019
Jul 7, 2020
CycloneFW
Jul 7, 2020
1,004 Posts
Quote from savemybucks :
Did anyone got 0 point 2.25% or 2.375% 15 yr deal from any lender other than Better?

Also, any deal on Title services in PA? They all hover around 1900-2200 range.
I got 2.25% with 0 points and a $350 lender credit. Better couldn't beat or even match it, but I still come out ahead after the Amex credit.
Jul 7, 2020
2,467 Posts
Joined Jun 2011
Jul 7, 2020
savemybucks
Jul 7, 2020
2,467 Posts
Quote from CycloneFW :
I got 2.25% with 0 points and a $350 lender credit. Better couldn't beat or even match it, but I still come out ahead after the Amex credit.
LenderFi?

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Jul 7, 2020
4,655 Posts
Joined Mar 2006
Jul 7, 2020
Phasers
Jul 7, 2020
4,655 Posts
Quote from makitaws :
If you're unlucky enough to be assigned the infamous person at better.com mentioned earlier in this thread, then you're out of luck. He doesn't respond, and doesn't match. I sent him the LE 5 min after I received it. I called, texted, messaged. Luckily was able to find a slot free the next day and setup a call. He finally looked at the LE, and like was mentioned for several folks here, factored in the $2500 while "matching" the competing LE, and even after that better was $500 short. (i.e a total of $3000 off). Any talk of "beating by $1000" is a joke. The worst part is how he made me wait for a task that clearly he spent a grand total of 2 minutes on, and tried to justify how better was better.

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.
Who is this infamous person?

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