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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

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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 9, 2020
205 Posts
Joined Aug 2013
Jul 9, 2020
SomeXYZ
Jul 9, 2020
205 Posts
Try with amfedmtg.com. They said this.


30 Yr Fixed – 0 Points
Loan Amount: $259,000.00
Rate: 2.75%
Monthly Principal and Interest: $1,057
Fees: NO LENDER FEES (Appraisal waived)
Credit: $2,600

30 Yr Fixed – 0 Points
Loan Amount: $259,000.00
Rate: 2.625%
Monthly Principal and Interest: $1,040
Fees: NO LENDER FEES (Appraisal waived)
Credit: $1,300
Quote from rspray :
So mad that MA is excluded from Better. I just re-fi'd last year at 3.25% (30 yr, no pts), and might cave and go again if it starts going < 2.75%.
Jul 9, 2020
3,720 Posts
Joined Oct 2010
Jul 9, 2020
k1ngkev1n1
Jul 9, 2020
3,720 Posts
Quote from SomeXYZ :
Try with amfedmtg.com. They said this.


30 Yr Fixed – 0 Points
Loan Amount: $259,000.00
Rate: 2.75%
Monthly Principal and Interest: $1,057
Fees: NO LENDER FEES (Appraisal waived)
Credit: $2,600

30 Yr Fixed – 0 Points
Loan Amount: $259,000.00
Rate: 2.625%
Monthly Principal and Interest: $1,040
Fees: NO LENDER FEES (Appraisal waived)
Credit: $1,300
geez that seems really good haha. no CA for that one ha.
Jul 9, 2020
606 Posts
Joined Dec 2013
Jul 9, 2020
cdancer20
Jul 9, 2020
606 Posts
Quote from SDRebel :
damn, which one is that? i have a ton of bank accounts (due to bonuses Big Grin ) but only a couple with enough for the closing.
HSBC is very stupid, so I think I'm going to have to do Chase
Aspiration. I'm not sure how I missed them when I originally bought my house a couple of years back. I used another bank that charged like $15. Of course, you can move money around in your bank accounts before doing the wire. That's what I did both times.
Jul 9, 2020
606 Posts
Joined Dec 2013
Jul 9, 2020
cdancer20
Jul 9, 2020
606 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.
I'm not sure where you got that a lot of people are doing this? I personally have not read that on this thread. I definitely suggest NOT rolling it in if you can afford to pay it now. Even though you could immediately pay it back, your monthly bill will still be higher each month. If you have the funds now, just pay it upfront. That's what I did. I paid $8000 at closing and am getting back $5500. I had to pay a little extra to cover the interest for that month. I closed on the 15th and was told not to make a monthly payment.
Jul 9, 2020
3,720 Posts
Joined Oct 2010
Jul 9, 2020
k1ngkev1n1
Jul 9, 2020
3,720 Posts
has anyone confirmed you dont need an email from amex or offer to get this deal as long as you have an amex card/account? I havent gotten any email or offer, but i have the amex preferred card and blue cash.

thanks,
Jul 9, 2020
899 Posts
Joined Aug 2010
Jul 9, 2020
JetBlast
Jul 9, 2020
899 Posts
Quote from cdancer20 :
I'm not sure where you got that a lot of people are doing this? I personally have not read that on this thread. I definitely suggest NOT rolling it in if you can afford to pay it now. Even though you could immediately pay it back, your monthly bill will still be higher each month. If you have the funds now, just pay it upfront. That's what I did. I paid $8000 at closing and am getting back $5500. I had to pay a little extra to cover the interest for that month. I closed on the 15th and was told not to make a monthly payment.
Quote from cdancer20 :
I'm not sure where you got that a lot of people are doing this? I personally have not read that on this thread. I definitely suggest NOT rolling it in if you can afford to pay it now. Even though you could immediately pay it back, your monthly bill will still be higher each month. If you have the funds now, just pay it upfront. That's what I did. I paid $8000 at closing and am getting back $5500. I had to pay a little extra to cover the interest for that month. I closed on the 15th and was told not to make a monthly payment.
But can't I invest that money and make more than 2.75%?
Jul 9, 2020
350 Posts
Joined Jun 2012
Jul 9, 2020
flyeaglesfly33
Jul 9, 2020
350 Posts
I just received my initial closing disclosures and it includes a bunch of costs that have not been in my previous LEs. I do not have an escrow but in section F "Prepaid" they are charging 3 months worth of Home Owners Insurance (I pay this bill monthly) and 12 months worth of taxes (these are due 8/31 and also this amount is higher than the due amount). Is this common?

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Jul 9, 2020
41,433 Posts
Joined Apr 2006
Jul 9, 2020
SDRebel
Jul 9, 2020
41,433 Posts
Quote from cdancer20 :
Aspiration. I'm not sure how I missed them when I originally bought my house a couple of years back. I used another bank that charged like $15. Of course, you can move money around in your bank accounts before doing the wire. That's what I did both times.
thanks. i could have moved the money, but not in time for tomorrow...next round maybe Big Grin
Jul 9, 2020
639 Posts
Joined Jan 2009
Jul 9, 2020
brat7705
Jul 9, 2020
639 Posts
Quote from flyeaglesfly33 :
I just received my initial closing disclosures and it includes a bunch of costs that have not been in my previous LEs. I do not have an escrow but in section F "Prepaid" they are charging 3 months worth of Home Owners Insurance (I pay this bill monthly) and 12 months worth of taxes (these are due 8/31 and also this amount is higher than the due amount). Is this common?
Sounds reasonable if the taxes are due next month!
Jul 9, 2020
41,433 Posts
Joined Apr 2006
Jul 9, 2020
SDRebel
Jul 9, 2020
41,433 Posts
Quote from JetBlast :
But can't I invest that money and make more than 2.75%?
you can go to r/wallstreetbets and make 300% Big Grin (or lose it all laugh out loud )
Jul 9, 2020
41,433 Posts
Joined Apr 2006
Jul 9, 2020
SDRebel
Jul 9, 2020
41,433 Posts
Quote from flyeaglesfly33 :
I just received my initial closing disclosures and it includes a bunch of costs that have not been in my previous LEs. I do not have an escrow but in section F "Prepaid" they are charging 3 months worth of Home Owners Insurance (I pay this bill monthly) and 12 months worth of taxes (these are due 8/31 and also this amount is higher than the due amount). Is this common?
same here. my tax escrow in the previous LEs looked pretty damn low, but then on the closing disclosures it went up a lot (by thousands...) then on the day before closing it went down by about $2000...it's a bit messy, but oh well
(I think it all boils down to escrow amounts)
Jul 9, 2020
3,720 Posts
Joined Oct 2010
Jul 9, 2020
k1ngkev1n1
Jul 9, 2020
3,720 Posts
quick question for loan cabin i locked the rate because that was the only way to get an office LE can i just back out after?
Jul 9, 2020
4,655 Posts
Joined Mar 2006
Jul 9, 2020
Phasers
Jul 9, 2020
4,655 Posts
Quote from k1ngkev1n1 :
quick question for loan cabin i locked the rate because that was the only way to get an office LE can i just back out after?
They can't legally obligate you to close with them.

That being said, once Better.com matches, then let loan cabin know you won't be going with them
Jul 9, 2020
108 Posts
Joined Dec 2006
Jul 9, 2020
philh97
Jul 9, 2020
108 Posts
Has anyone refinanced again after closing a refinance in the same month with Better? Just curious as I found a rate 1/4 point lower than what I just closed for. Thanks!

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Jul 9, 2020
3,720 Posts
Joined Oct 2010
Jul 9, 2020
k1ngkev1n1
Jul 9, 2020
3,720 Posts
Quote from Phasers :
They can't legally obligate you to close with them.

That being said, once Better.com matches, then let loan cabin know you won't be going with them
thank you, hopefiully better matches/beats Smilie should i note the amex deal ahead or after all the details are ironed out with rates and closnig costs? i would like to have it added on my app at the end like when you buy a car everything negotiated then bring in the used car haha...

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