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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:

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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 09, 2020 12:15 AM
3,734 Posts
Joined Oct 2010
k1ngkev1n1Jul 09, 2020 12:15 AM
3,734 Posts
Quote from moorampage :
Got a 2.875 rate from loan cabin with $2200 in credit no escrow. Also agent mentioned rate float down until closing

They had a lot of fees on the estimate which won't be needed in the end, but better still considered them when matching (and the AMEX credit).

Better best offer match was to 2.875% rate, $900 credit with escrow and mentioned the AMEX credit as part of the match. They said it puts me ahead ~$2000, to me its near ~$1500.

Just saw BPG went to $100 Frown, that's a shame

Decisions... up front benefit or bigger pay out after closing
How much was loan cabins fees?
Jul 09, 2020 12:26 AM
38 Posts
Joined Feb 2016
NobodyuknoJul 09, 2020 12:26 AM
38 Posts
How often does Better completely waive the appraisal on a refinance. I'm not talking about the fee, but the entire appraisal?
Jul 09, 2020 12:28 AM
4,661 Posts
Joined Mar 2006
PhasersJul 09, 2020 12:28 AM
4,661 Posts
Quote from Nobodyukno :
How often does Better completely waive the appraisal on a refinance. I'm not talking about the fee, but the entire appraisal?
They waived my appraisal requirement.
Jul 09, 2020 12:31 AM
612 Posts
Joined Apr 2009
sarrisaJul 09, 2020 12:31 AM
612 Posts
The guy I'm working with is Mathieu. I submitted a loan estimate from Central Bank for 2.75% no points 20 yr and asked for a match. He came back with sure we can do 2.75% and then added 1.35% of the loan amount in points. He basically bumped added points so the closing costs and monthly payments would match Central Banks. This is not how it worked when I refinanced a few months ago Frown
Jul 09, 2020 12:33 AM
1,214 Posts
Joined Nov 2011
ZwitterionJul 09, 2020 12:33 AM
1,214 Posts
Quote from savemybucks :
Well his team has been quite responsive, daily follow up (I guess its because I haven't locked the rate) Matching email comes within couple hours, its just I am not able to get what others have gotten in past. Maybe they have wised up or rates are lower than past 2-3 months that they can't afford positive credit loans. I will be paying .61% points on 2.25 rate and obviously no "beating" by $1000 bucks. Then why the hell their price match guarantee, which btw is $100 now.
The jig is up with Better. Their pipeline is full, so no need to aggresively match like they were doing earlier. I wasted a lot of time trying to fight this fact.
Jul 09, 2020 12:34 AM
1,015 Posts
Joined Mar 2019
CycloneFWJul 09, 2020 12:34 AM
1,015 Posts
Quote from sarrisa :
The guy I'm working with is Mathieu. I submitted a loan estimate from Central Bank for 2.75% no points 20 yr and asked for a match. He came back with sure we can do 2.75% and then added 1.35% of the loan amount in points. He basically bumped added points so the closing costs and monthly payments would match Central Banks. This is not how it worked when I refinanced a few months ago Frown
But did he change the lender credits in Section J?

I've seen them do it both ways. Sometimes change what the cost for the point was and sometime (or even in addition to) add lender credits to offset the points they are charging.
Jul 09, 2020 12:40 AM
612 Posts
Joined Apr 2009
sarrisaJul 09, 2020 12:40 AM
612 Posts
Quote from CycloneFW :
But did he change the lender credits in Section J?

I've seen them do it both ways. Sometimes change what the cost for the point was and sometime (or even in addition to) add lender credits to offset the points they are charging.
No that doesn't have any amount.

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Jul 09, 2020 12:46 AM
908 Posts
Joined Nov 2017
gk6740Jul 09, 2020 12:46 AM
908 Posts
Quote from Nobodyukno :
How often does Better completely waive the appraisal on a refinance. I'm not talking about the fee, but the entire appraisal?
It is normally tied to some FannieMae rules. Something with equity,time.. not sure. All 6-7 of my quotes waived it.
Jul 09, 2020 01:00 AM
1,015 Posts
Joined Mar 2019
CycloneFWJul 09, 2020 01:00 AM
1,015 Posts
Quote from sarrisa :
No that doesn't have any amount.
Ouch. When I had a rate match done, at first it was just the rate difference with points compared to what I had shared before. I complained in the evening and the next morning I had a discount applied. I don't know if my complaint email didn't matter or if all the updates hadn't quite gone in yet. But hopefully tomorrow they will improve that offer as it sounds like they didn't change anything.
Jul 09, 2020 01:07 AM
639 Posts
Joined Jan 2009
brat7705Jul 09, 2020 01:07 AM
639 Posts
Quote from sarrisa :
The guy I'm working with is Mathieu. I submitted a loan estimate from Central Bank for 2.75% no points 20 yr and asked for a match. He came back with sure we can do 2.75% and then added 1.35% of the loan amount in points. He basically bumped added points so the closing costs and monthly payments would match Central Banks. This is not how it worked when I refinanced a few months ago Frown
I had that happen to me. I asked about it and it was removed!!
Jul 09, 2020 01:12 AM
1,412 Posts
Joined Jan 2020
SiennaDeer8270Jul 09, 2020 01:12 AM
1,412 Posts
Quote from JetBlast :
My loan balance went up because they rolled the 10 months of escrow of property taxes into the loan. That's $6,500 alone that I would have to pay anyways. I guess I could pay that up front and then wait for my current amount of escrow to be released to me, but it seems like this is what most people do. At least I'll get about $5k back in cash from my current mortgage company.
People are way too willing to pay upfront escrow. Invest it in tsla and you'll double your money in a matter of weeks.
Pro
Jul 09, 2020 01:14 AM
1,409 Posts
Joined Jan 2004
seawolf
Pro
Jul 09, 2020 01:14 AM
1,409 Posts
Quote from Nobodyukno :
How often does Better completely waive the appraisal on a refinance. I'm not talking about the fee, but the entire appraisal?
My understanding is that it depends on Fannie Mae not the lender.
Jul 09, 2020 01:46 AM
205 Posts
Joined Aug 2013
SomeXYZJul 09, 2020 01:46 AM
205 Posts
Locked today with better.com

Rate : 2.75
Term : 30
Credits : 1400
Credit : 755

PS: This is the 2nd refinance with better.com. Last one(3.375%) was closed on 05/04/2020 and got 2.5k from amex.
Last edited by SomeXYZ July 8, 2020 at 07:48 PM.
Jul 09, 2020 02:01 AM
5,196 Posts
Joined Jul 2006
shahhereJul 09, 2020 02:01 AM
5,196 Posts
Quote from SomeXYZ :
Locked today with better.com

Rate : 2.75
Term : 30
Credits : 1400
Credit : 755

PS: This is the 2nd refinance with better.com. Last one(3.375%) was closed on 05/04/2020 and got 2.5k from amex.
Loan amount, value?

Shahhere

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Jul 09, 2020 02:02 AM
205 Posts
Joined Aug 2013
SomeXYZJul 09, 2020 02:02 AM
205 Posts
Quote from shahhere :
Loan amount, value?

Shahhere
260k/330k

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