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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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 cabin doesnt provide an LE? how do you get better to match then?
ie (going from 3% to 2.875%) or same rate but more credit?
This deal is awesome. I locked in at 3.125 in January, and seeing this wants me to refi.
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This deal is awesome. I locked in at 3.125 in January, and seeing this wants me to refi.
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 of refi was $590,000 in Southern California.
Rate was 2.625 % at 15 years with $440.00 lender credit. 796 credit score.
They matched a loan estimate from lending.com. Fast closing. Great communication. I think loans above $500,000 have higher rates.
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I refinanced with Better back in 2018 and it was a very good experience. I saw this AMEX offer and applied/got pre-approved a couple weeks ago, been getting calls from a guy named Andres - quite responsive and calls me daily to try and get me to lock in rates, but the fees/points are not attractive:
*Currently 3.75% w/28 yrs to go, $230k/$1.1m value in SF Bay Area, 711 FICO per the soft-pull.
*Better is quoting 30yr @ 3% & $2700 in points + approx $1870 closing costs (no impounds).
*Andres will give a $500 discount for being a repeat customer. He tries to make me believe it's a deal since AMEX waives appraisal & the $2500 credit offsets the points (shady salesmanship, IMO)
*Lenderfi's quick quote (based on FICO & income, not actual app): 30 yr @ 2.875 & $693 in points + $1610 closing costs. Will put in an actual app and obtain LE
1) I've read through this thread and notice many of you have significantly larger credits - is that part of the standard rate quote or discounts offered by your loan person (like my tiny $500)?
2) When presenting the LE, is it customary for Better to beat or simply match the competition?
3) Owning.com: does anyone have any recent experiences to share? My whole office got the 2.99 with zero out-of-pocket costs, and now they're 2.75 but I'm waiting to for them to take loans under $300k
4) I've got an investment property as well, and Lenderfi's rates appear to be as low as owner-occupied rates: is it wise or do-able to have two applications happening at the same time? Ideally I would go with Better for my primary home and Lenderfi for the rental
Thank you in advance!
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