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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 8, 2020
489 Posts
Joined Feb 2012
Jul 8, 2020
Mikey122687
Jul 8, 2020
489 Posts
Quote from k1ngkev1n1 :
they just sent me the 2.625% no points im going to have them lock and send over the LE. doubt better will come anywhere close to this.... but guess ill see worst case go with loan cabin..
Send it over to better and let us know.

I doubt Better can match but we'll see at least.
Jul 8, 2020
473 Posts
Joined Jan 2013
Jul 8, 2020
adwi
Jul 8, 2020
473 Posts
A little out of context but the company(forgot the name) that Better.com uses for automated pulling of bank account statements, seems to store bank login credentials and attempts to login later as well - not sure for what purpose. I had couple of bank account logins locked out since I changed my password immediately after the first pull. It would be advisable to not use that service and if you do like me, change the password immediately.
Pro
Jul 8, 2020
5,053 Posts
Joined Jul 2006
Jul 8, 2020
shahhere
Pro
Jul 8, 2020
5,053 Posts
Quote from shahhere :
Here is my rate sheet from today with Better.com matching the 2.75% but increasing the fees and taking the credit away from -$350 to +$175.


Not sure if i should lock and then force them to lower the rates or what?


Shahhere

Quoting myself as the Loan Officer finally called and said he can get me back to the -$350 and have him lock the rate.


He basically said that's the best he can and actually said that I can try again in a later stage as they will have more leeway to match again but has to have a newer dated Loan Estimate.


Shahhere
Jul 8, 2020
234 Posts
Joined Dec 2007
Jul 8, 2020
KristinOC
Jul 8, 2020
234 Posts
Quote from JetBlast :
Check with Loan Cabin. I have $240k left on my loan and they offered me 30 year 2.625% with no points on a 30 year.
Did you talk to anyone from Loan Cabin? I can't get anyone to answer my calls.
Jul 8, 2020
3,720 Posts
Joined Oct 2010
Jul 8, 2020
k1ngkev1n1
Jul 8, 2020
3,720 Posts
Quote from Mikey122687 :
Send it over to better and let us know.

I doubt Better can match but we'll see at least.
Yea i am, he is sending over the loan estimate tomorrow as they needed to lock the rate before giving me the official loan estimate.
Jul 8, 2020
899 Posts
Joined Aug 2010
Jul 8, 2020
JetBlast
Jul 8, 2020
899 Posts
Quote from KristinOC :
Did you talk to anyone from Loan Cabin? I can't get anyone to answer my calls.
Just emails. They were kind of pushy so I'm surprised people are having a hard time getting a hold of someone.

Respond to that first email by asking them to withdraw your application if you don't hear back soon. They emailed right away with the LE.
Jul 8, 2020
1,280 Posts
Joined Oct 2007
Jul 8, 2020
Nailer
Jul 8, 2020
1,280 Posts
quick help from those closed, my closing is tomorrow, the wiring document i received has some info in OBI info as below.
Code:
OBI Info:
OBI Line1: "RESWARE_SP_GetPropertyAddressFull_1"
OBI Line2: "RESWARE_SP_GetBuyerSellerName1Last_Buyer"
OBI Line3: "RESWARE_SP_GetFileNumber_1"
is this same for you guys too?
it looks to me like some code failed to generate correct info, also I am using chase website to wire out money, i dont see OBI Info field, so where do you put this info?

Note : I asked this q to my Closing expert few hours ago, havent heard back, but I am sure I will get response faster :-)

Thank you in advance.

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Jul 8, 2020
899 Posts
Joined Aug 2010
Jul 8, 2020
JetBlast
Jul 8, 2020
899 Posts
Quote from k1ngkev1n1 :
they just sent me the 2.625% no points im going to have them lock and send over the LE. doubt better will come anywhere close to this.... but guess ill see worst case go with loan cabin..
Awesome. They were also giving me $2,500 credit to go up to 2.75, which I think would be the smart route. Good luck!
Jul 8, 2020
3,720 Posts
Joined Oct 2010
Jul 8, 2020
k1ngkev1n1
Jul 8, 2020
3,720 Posts
Quote from JetBlast :
Awesome. They were also giving me $2,500 credit to go up to 2.75, which I think would be the smart route. Good luck!
are they able to give us a check for the credit after any fees?
Jul 8, 2020
3,275 Posts
Joined Feb 2014
Jul 8, 2020
iuku
Jul 8, 2020
3,275 Posts
LoanCabin shows rates for NC but when I do actual application, it does not have NC in state selection. Anyone with similar issue and way to get around it?
Jul 8, 2020
899 Posts
Joined Aug 2010
Jul 8, 2020
JetBlast
Jul 8, 2020
899 Posts
Quote from k1ngkev1n1 :
are they able to give us a check for the credit after any fees?
Depends on your state. In Texas you have to bring cash to close so no refund for me. I'm going with Better though to get the $2,500 Amex Credit. Same rate and credit.
Jul 8, 2020
569 Posts
Joined Sep 2005
Jul 8, 2020
bumoftheday
Jul 8, 2020
569 Posts
Quote from Nailer :
quick help from those closed, my closing is tomorrow, the wiring document i received has some info in OBI info as below.
Code:
OBI Info:
OBI Line1: "RESWARE_SP_GetPropertyAddressFull_1"
OBI Line2: "RESWARE_SP_GetBuyerSellerName1Last_Buyer"
OBI Line3: "RESWARE_SP_GetFileNumber_1"
is this same for you guys too?
it looks to me like some code failed to generate correct info, also I am using chase website to wire out money, i dont see OBI Info field, so where do you put this info?

Note : I asked this q to my Closing expert few hours ago, havent heard back, but I am sure I will get response faster :-)

Thank you in advance.
That was the same as mine earlier this week.

I used:
Property address
My name
Loan #

My closing guy reviewed it and said it looked good.
Jul 8, 2020
3,720 Posts
Joined Oct 2010
Jul 8, 2020
k1ngkev1n1
Jul 8, 2020
3,720 Posts
Quote from JetBlast :
Depends on your state. In Texas you have to bring cash to close so no refund for me. I'm going with Better though to get the $2,500 Amex Credit. Same rate and credit.
ahh ok im in CA, if better can match the 2.75% id probably go with them, but the rates i see are 2.75% with 4200 in pts now haha.
Jul 8, 2020
350 Posts
Joined Jun 2012
Jul 8, 2020
flyeaglesfly33
Jul 8, 2020
350 Posts
Has anyone had any success in matching after final approval and already being assigned a closing agent?

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Jul 8, 2020
4,655 Posts
Joined Mar 2006
Jul 8, 2020
Phasers
Jul 8, 2020
4,655 Posts
What is the lowest rate anyone has been able to get matched?

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