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expiredGreenworld123 posted Dec 8, 2019 2:27 PM

Amex offer: $2,500 statement credit for home refinance Better.com

American Express Giftcards
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Deal Details
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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9.8K Comments

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Jul 8, 2020 5:21 PM
501 Comments
Joined Feb 2012
Mikey122687Jul 8, 2020 5:21 PM
501 Comments
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 5:36 PM
475 Comments
Joined Jan 2013
adwiJul 8, 2020 5:36 PM
475 Comments
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.
Jul 8, 2020 5:36 PM
5.4K Comments
Joined Jul 2006
shahhereJul 8, 2020 5:36 PM
5.4K Comments
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 5:46 PM
234 Comments
Joined Dec 2007
KristinOCJul 8, 2020 5:46 PM
234 Comments
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 5:55 PM
3.8K Comments
Joined Oct 2010
k1ngkev1n1Jul 8, 2020 5:55 PM
3.8K Comments
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 6:16 PM
922 Comments
Joined Aug 2010
JetBlastJul 8, 2020 6:16 PM
922 Comments
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 6:19 PM
1.3K Comments
Joined Oct 2007
NailerJul 8, 2020 6:19 PM
1.3K Comments
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 6:21 PM
922 Comments
Joined Aug 2010
JetBlastJul 8, 2020 6:21 PM
922 Comments
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 6:23 PM
3.8K Comments
Joined Oct 2010
k1ngkev1n1Jul 8, 2020 6:23 PM
3.8K Comments
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 6:23 PM
3.3K Comments
Joined Feb 2014
iukuJul 8, 2020 6:23 PM
3.3K Comments
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 6:26 PM
922 Comments
Joined Aug 2010
JetBlastJul 8, 2020 6:26 PM
922 Comments
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 6:29 PM
569 Comments
Joined Sep 2005
bumofthedayJul 8, 2020 6:29 PM
569 Comments
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 6:34 PM
3.8K Comments
Joined Oct 2010
k1ngkev1n1Jul 8, 2020 6:34 PM
3.8K Comments
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 6:39 PM
350 Comments
Joined Jun 2012
flyeaglesfly33Jul 8, 2020 6:39 PM
350 Comments
Has anyone had any success in matching after final approval and already being assigned a closing agent?

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Jul 8, 2020 6:42 PM
4.7K Comments
Joined Mar 2006
PhasersJul 8, 2020 6:42 PM
4.7K Comments
What is the lowest rate anyone has been able to get matched?

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