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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
234 Posts
Joined Dec 2007
Jul 7, 2020
KristinOC
Jul 7, 2020
234 Posts
Quote from k1ngkev1n1 :
i just submitted my LE from loan cabin, 30 yr, 2.62% $900 in points. $1500 in closing costs roughly. lowest from better was 2.75% with $$2000 in pts plus fees.. 235k refi in CA
How long did you have to wait until you got the LE from Loan Cabin? I've submitted my application and lock in my rate since 6-29-2020 and I am so waiting for the LE to come.
Jul 7, 2020
3,720 Posts
Joined Oct 2010
Jul 7, 2020
k1ngkev1n1
Jul 7, 2020
3,720 Posts
Quote from KristinOC :
How long did you have to wait until you got the LE from Loan Cabin? I've submitted my application and lock in my rate since 6-29-2020 and I am so waiting for the LE to come.
2 days i reached out a couple times.
Jul 7, 2020
124 Posts
Joined Jan 2016
Jul 7, 2020
kapuju
Jul 7, 2020
124 Posts
Quote from k1ngkev1n1 :
2 days i reached out a couple times.
Were you locked with better when you submitted loan cabins le? Can you post a Uniate if they match/beat/ignore ?
Jul 7, 2020
3,720 Posts
Joined Oct 2010
Jul 7, 2020
k1ngkev1n1
Jul 7, 2020
3,720 Posts
does everyone do the escrow? i dont really want to pay all that money up front and just have that extra money always sitting in that account.
Jul 7, 2020
16 Posts
Joined Nov 2016
Jul 7, 2020
JayD8002
Jul 7, 2020
16 Posts
Quote from phanman11 :
Once you lock a rate, you aren't obligated to continue with that lender?

Also in PA and shopping currently. Have excellent credit, no debt besides house. Better quoted 2.25% but with $4900 in points. I have to imagine I should be able to get 2.5% with no points....
I would try LenderFi for their rates
Jul 7, 2020
3,720 Posts
Joined Oct 2010
Jul 7, 2020
k1ngkev1n1
Jul 7, 2020
3,720 Posts
Quote from kapuju :
Were you locked with better when you submitted loan cabins le? Can you post a Uniate if they match/beat/ignore ?
i havent locked with anyone yet. waiting to Better to review Loancabins sheet to see if they can match /beat the offer.
Jul 7, 2020
900 Posts
Joined Nov 2017
Jul 7, 2020
gk6740
Jul 7, 2020
900 Posts
Quote from phanman11 :
Newbie refi question.... you need to apply with a credit check to get an LE in most cases (say from better/lenderfi/citizensbank?)

Thanks.
I appreciate the newbie,

but if this is important to you, you should read back worth a few days or weeks worth of postings. The answer is there.

(YES)

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Jul 7, 2020
39 Posts
Joined Feb 2016
Jul 7, 2020
Nobodyukno
Jul 7, 2020
39 Posts
Quote from JayD8002 :
This forum and messages have been so helpful. Using the knowledge gained here I was able to get a LE from LenderFi. Refinancing to 15 yr loan at 2.5% with $100 closing costs with no escrow for taxes and insurance. I also got the no appraisal needed. So all in all, looks like. Good deal.

couple of questions that I need assistance with and would greatly appreciate -

1. Is LenderFi good to work with? Should I work with better mortgage to see if they can price match. Have folks refinanced through LenderFi with no issues?

2. I am in PA. Can folks recommend Title companies that are better to work with and can provide a better deal on the title services.
I'm pretty sure in PA title fees are fully controlled by the state so you can't really shop. I think it's just a percentage of loan.
Jul 7, 2020
113 Posts
Joined Jan 2008
Jul 7, 2020
phanman11
Jul 7, 2020
113 Posts
Quote from JayD8002 :
I would try LenderFi for their rates
Thanks. Their rates do seem better so far.
Jul 7, 2020
900 Posts
Joined Nov 2017
Jul 7, 2020
gk6740
Jul 7, 2020
900 Posts
Quote from PhillipW1 :
For those who have already closed with better, where are you loans now being serviced?

Thanks
This can change in a few months.

BUT - why does anyone care?
Jul 8, 2020
1,004 Posts
Joined Mar 2019
Jul 8, 2020
CycloneFW
Jul 8, 2020
1,004 Posts
Quote from PhillipW1 :
For those who have already closed with better, where are you loans now being serviced?

Thanks
Mine was sold (servicing and investor) to Wells Fargo
Jul 8, 2020
2,467 Posts
Joined Jun 2011
Jul 8, 2020
savemybucks
Jul 8, 2020
2,467 Posts
So I submitted LE this morning to match and they did but points are high so I don't wanna lock anything. Waiting for another lender to give LE. well Arnold emails me and says this offer will expire tonight. I guess he's talking about the current match they did will expire since LE I submitted will be over 24 hours old.

Should I lock and then submit another LE. I guess doing that I won't get $1k price match right?
Jul 8, 2020
1,004 Posts
Joined Mar 2019
Jul 8, 2020
CycloneFW
Jul 8, 2020
1,004 Posts
Quote from savemybucks :
So I submitted LE this morning to match and they did but points are high so I don't wanna lock anything.
So did they match the costs of the other LE or not? If A + B + C - lender credits on the competing LE >= A + B + C - lender credits on Better's LE, which not lock? Also, take screenshots of the rate table w/ and w/o escrow, 15-year , 20-year , 30-year, etc. Once you lock, you won't see those anymore, but you can still switch to any of them before closing
Jul 8, 2020
205 Posts
Joined Aug 2013
Jul 8, 2020
SomeXYZ
Jul 8, 2020
205 Posts
Are they honoring $1000 price or $100?

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Jul 8, 2020
1,258 Posts
Joined Oct 2007
Jul 8, 2020
micky_d
Jul 8, 2020
1,258 Posts
I had not luck then matching the difference of 2-3k. They kept giving me the bs of using Amex $2500 to offset that. I declined. They are charging more than other lenders and their hope is we will bite on it with Amex incentives. Basically they are playing games now. So do a good diligence before you give it to them.

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