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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 9, 2020
205 Posts
Joined Aug 2013
Jul 9, 2020
SomeXYZ
Jul 9, 2020
205 Posts
Quote from avinyc :
Was looking to use that site and credit, but a mortgage broker offered me 2.75 with 2,900 in credits and got the appraisal waived. These rates are incredible!
Who is the lender?
Jul 9, 2020
597 Posts
Joined Jan 2008
Jul 9, 2020
vulcanbolt
Jul 9, 2020
597 Posts
Quote from avinyc :
Was looking to use that site and credit, but a mortgage broker offered me 2.75 with 2,900 in credits and got the appraisal waived. These rates are incredible!
Insane. I was offered the same rate a couple of days ago and i didnt lock and credit decreased since then. If you got this offer today, thats great.
Jul 9, 2020
126 Posts
Joined Oct 2018
Jul 9, 2020
David9569
Jul 9, 2020
126 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
My numbers with them this afternoon were quite a bit worse. I'm in PA and have a similar loan amount and excellent credit.
Jul 9, 2020
1,139 Posts
Joined Mar 2010
Jul 9, 2020
avinyc
Jul 9, 2020
1,139 Posts
Quote from dsrb4u :
Insane. I was offered the same rate a couple of days ago and i didnt lock and credit decreased since then. If you got this offer today, thats great.
Hope so, until I see the final documents to sign, I will hold my breath.
Jul 9, 2020
11,083 Posts
Joined Aug 2007
Jul 9, 2020
damnyou
Jul 9, 2020
11,083 Posts
How are you guys submitting a rate for matching at better.com? Are you emailing the assigned loan specialist for your profile?
Jul 9, 2020
899 Posts
Joined Aug 2010
Jul 9, 2020
JetBlast
Jul 9, 2020
899 Posts
Quote from cdancer20 :
Very true you could. However, if you planned to pay it off when you get your other money back, probably within a month, then would you really be investing anything? Also, how much more is your monthly mortgage with and without the escrow if I may ask?
$32 a month if I roll $5k into the loan. I think I'm better rolling it in and keeping that $5k cash I'll get from my current mortgage company. That's a cheap loan.
Jul 9, 2020
597 Posts
Joined Jan 2008
Jul 9, 2020
vulcanbolt
Jul 9, 2020
597 Posts
Quote from damnyou :
How are you guys submitting a rate for matching at better.com? Are you emailing the assigned loan specialist for your profile?
that is what i did. He asked for a LE that is within 36 hours from a different lender and pretty much came back with his numbers in less than 30 minutes

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Jul 9, 2020
606 Posts
Joined Dec 2013
Jul 9, 2020
cdancer20
Jul 9, 2020
606 Posts
Quote from JetBlast :
$32 a month if I roll $5k into the loan. I think I'm better rolling it in and keeping that $5k cash I'll get from my current mortgage company. That's a cheap loan.
Makes sense.
Jul 9, 2020
1,298 Posts
Joined May 2005
Jul 9, 2020
rspray
Jul 9, 2020
1,298 Posts
Quote from David9569 :
My numbers with them this afternoon were quite a bit worse. I'm in PA and have a similar loan amount and excellent credit.

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
I got this, and won't know if they can drop the $525 inspection until I apply (my refi last September did):
Loan Type:30 Year Fixed
Rate:2.625%
Loan Amount:$428,000
Monthly Payment: (P&I) $1,719.00
Discount Points$1,700.00
Lender Closing Credits: ($750.00)

Total Lender Fees:$2,317.00
Jul 9, 2020
11 Posts
Joined Jun 2013
Jul 9, 2020
SreeG
Jul 9, 2020
11 Posts
Any suggestions for title insurance and other closing cost quotes for a GA property? Thank you.
Jul 9, 2020
113 Posts
Joined Jan 2008
Jul 9, 2020
phanman11
Jul 9, 2020
113 Posts
Quote from damnyou :
How are you guys submitting a rate for matching at better.com? Are you emailing the assigned loan specialist for your profile?
I sent mine to the Mortgage Expert Associate assigned to my account and they forwarded it on to the loan consultant who edited the rates.

Betters offer went from 2 days ago offering a 15 yr @ 2.375% + $3801 in points down to $495 in points today.
Jul 9, 2020
126 Posts
Joined Jun 2020
Jul 9, 2020
Letsgogogo
Jul 9, 2020
126 Posts
Both are no cost.

2.75%/2.75% RATE/APR from one lender.

2.75/2.766% RATE/APR from better + $500 credit + potentially and hopefully $2500.

Why is APR not even 2.75 from better?

If I get $2500, it'd be better. But what if I don't get it? Would better.com be better in this scenario?
Jul 9, 2020
900 Posts
Joined Nov 2017
Jul 9, 2020
gk6740
Jul 9, 2020
900 Posts
Quote from k1ngkev1n1 :
stop being a dick i replied to him already relax....
Yes, my response may seem to be from a "dick".

But here is the point.

There are MANY little tips and tricks being shared here. If someone does not take the time to read even a few days worth of posts, they are going to cost themselves some money - maybe even in the thousand$.

If they can not even read posts from the same day - they are just downright foolish.

In the meantime, they are making it difficult for the SERIOUS people here that have to go through and read so many posts, over and over.
Last edited by gk6740 July 9, 2020 at 01:23 PM.
Jul 9, 2020
4,655 Posts
Joined Mar 2006
Jul 9, 2020
Phasers
Jul 9, 2020
4,655 Posts
Quote from phanman11 :
I sent mine to the Mortgage Expert Associate assigned to my account and they forwarded it on to the loan consultant who edited the rates.

Betters offer went from 2 days ago offering a 15 yr @ 2.375% + $3801 in points down to $495 in points today.
I got 2.375% with $2000 in credits using a match from Tuesday.

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Jul 9, 2020
11,083 Posts
Joined Aug 2007
Jul 9, 2020
damnyou
Jul 9, 2020
11,083 Posts
Quote from dsrb4u :
that is what i did. He asked for a LE that is within 36 hours from a different lender and pretty much came back with his numbers in less than 30 minutes
Quote from phanman11 :
I sent mine to the Mortgage Expert Associate assigned to my account and they forwarded it on to the loan consultant who edited the rates.

Betters offer went from 2 days ago offering a 15 yr @ 2.375% + $3801 in points down to $495 in points today.

Thanks. I have done that. Haven't heard from the concerned person yet

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