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expiredGreenworld123 posted Dec 08, 2019 02:27 PM
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expiredGreenworld123 posted Dec 08, 2019 02:27 PM

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 07, 2020 08:19 PM
3,734 Posts
Joined Oct 2010
k1ngkev1n1Jul 07, 2020 08:19 PM
3,734 Posts
i got a LE from watermark, 0 pts 2.75% 30 year, origination fee of 1499 but was told a credit would offset it but no credit on LE said ineed to lock to get the credit.

loan cabin got their LE 2.625% $900 in pts (sent yesterday to better but no response, called twice regarding it).

waiting on Lower to send over their LE said 2.75% 0pts

my options on better was 2.75% with 4k in pts.... weird..

235k refi in SoCal 45% LTV - excellent credit.

id like to get 2.625 but dunno if that'll happen...
Jul 07, 2020 08:26 PM
3,734 Posts
Joined Oct 2010
k1ngkev1n1Jul 07, 2020 08:26 PM
3,734 Posts
Also wanted to check all these fees how much would be legit in fees with 0 in pts? i see all these line items on there. Id just like to know a range in costs i should expect to pay to process the refi. I wont need an appraisal either that will get waived im sure.
Jul 07, 2020 08:40 PM
914 Posts
Joined Aug 2010
JetBlastJul 07, 2020 08:40 PM
914 Posts
Well I just learned something new. In Texas the borrower has to bring cash to close. Looks like no extra cash back for me.
Jul 07, 2020 08:43 PM
109 Posts
Joined Nov 2008
msdmoneyJul 07, 2020 08:43 PM
109 Posts
So, per the original post this is targeted and if you don't have this offer on your Amex card, you don't qualify? I was looking through some of the pages of the post trying to find if anyone has been able to qualify without seeing it in their offers list.
Jul 07, 2020 08:51 PM
606 Posts
Joined Dec 2013
cdancer20Jul 07, 2020 08:51 PM
606 Posts
Quote from msdmoney :
So, per the original post this is targeted and if you don't have this offer on your Amex card, you don't qualify? I was looking through some of the pages of the post trying to find if anyone has been able to qualify without seeing it in their offers list.
Incorrect. Just apply through the better.com/amex link and you will qualify, pending of course that you meet the other requirements.
Jul 07, 2020 08:54 PM
109 Posts
Joined Nov 2008
msdmoneyJul 07, 2020 08:54 PM
109 Posts
Thanks, read through about the first 20 pages and every other page was a different confirmation whether it worked or not.
Jul 07, 2020 08:55 PM
246 Posts
Joined Apr 2006
crramJul 07, 2020 08:55 PM
246 Posts
Anyone getting around 2.25 (or 2.5) for a 10 year or 15 year mortgage with 0 points and no closing costs?

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Jul 07, 2020 08:57 PM
1,015 Posts
Joined Mar 2019
CycloneFWJul 07, 2020 08:57 PM
1,015 Posts
Quote from JetBlast :
Well I just learned something new. In Texas the borrower has to bring cash to close. Looks like no extra cash back for me.
If they won't apply those funds to anything and would "throw it away", ask Better to send you your locked rate table and pick a lower rate that uses that up.
Jul 07, 2020 09:02 PM
41,531 Posts
Joined Apr 2006
SDRebelJul 07, 2020 09:02 PM
41,531 Posts
Quote from JetBlast :
Well I just learned something new. In Texas the borrower has to bring cash to close. Looks like no extra cash back for me.
I was told the same. no cash to borrower, so either borrower brings cash or at most $0 I think
Jul 07, 2020 09:03 PM
41,531 Posts
Joined Apr 2006
SDRebelJul 07, 2020 09:03 PM
41,531 Posts
Quote from CycloneFW :
If they won't apply those funds to anything and would "throw it away", ask Better to send you your locked rate table and pick a lower rate that uses that up.
that's what they did for me. I was about $700 short of the better rate but they just "gave it" to me
Jul 07, 2020 09:08 PM
914 Posts
Joined Aug 2010
JetBlastJul 07, 2020 09:08 PM
914 Posts
Quote from CycloneFW :
If they won't apply those funds to anything and would "throw it away", ask Better to send you your locked rate table and pick a lower rate that uses that up.
Yep, that's exactly what I did. Bought the points down and am bringing $15 to close. Settled for 2.75 20 year term. Not bad.
Jul 07, 2020 09:12 PM
908 Posts
Joined Nov 2017
gk6740Jul 07, 2020 09:12 PM
908 Posts
Quote from kapuju :
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
Check out the FICO page here> https://www.myfico.com/credit-edu...-inquiries
Jul 07, 2020 09:13 PM
908 Posts
Joined Nov 2017
gk6740Jul 07, 2020 09:13 PM
908 Posts
Quote from k1ngkev1n1 :
Also wanted to check all these fees how much would be legit in fees with 0 in pts? i see all these line items on there. Id just like to know a range in costs i should expect to pay to process the refi. I wont need an appraisal either that will get waived im sure.
Not sure if a range will help, but do a spreadsheet and list what each lender is quoting you.
Jul 07, 2020 09:40 PM
1,980 Posts
Joined Aug 2010
Debit2CashJul 07, 2020 09:40 PM
1,980 Posts
I just got a message back from the loan officer saying they cannot match/beat another rate for 6 months.....

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Jul 07, 2020 09:47 PM
3,734 Posts
Joined Oct 2010
k1ngkev1n1Jul 07, 2020 09:47 PM
3,734 Posts
Quote from Debit2Cash :
I just got a message back from the loan officer saying they cannot match/beat another rate for 6 months.....
Who was your loan officer?

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