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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.
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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 10, 2020
350 Posts
Joined Jun 2012
Jul 10, 2020
flyeaglesfly33
Jul 10, 2020
350 Posts
Quote from sleekwallet :
You gotta call them up then , it suppose to be at the same time or before that step
Quote from mnsweeps :
I just went into closing status.. it says "TBD Final Closing - This is when you'll sign all the final paperwork." I have not been assigned any closing tasks. Thats when they ask for AMEX CC number?
Quote from k1ngkev1n1 :
yea i need to know when to do that, i just submitted my LE for better to match, just need to add on the amex after assuming all goes according to plan.... Smilie
I just called the regular 800 number and they said my loan does have the AMEX promo attached to it and they will ask when it gets closer to funding.
Jul 10, 2020
569 Posts
Joined Sep 2005
Jul 10, 2020
bumoftheday
Jul 10, 2020
569 Posts
I got my enter Amex task with my final closing disclosure.
Jul 10, 2020
2,520 Posts
Joined Aug 2007
Jul 10, 2020
sleekwallet
Jul 10, 2020
2,520 Posts
Quote from bumoftheday :
I got my enter Amex task with my final closing disclosure.
Same here
Jul 10, 2020
205 Posts
Joined Aug 2013
Jul 10, 2020
SomeXYZ
Jul 10, 2020
205 Posts
Pals,

Please post your loan timeline.
Jul 10, 2020
3,720 Posts
Joined Oct 2010
Jul 10, 2020
k1ngkev1n1
Jul 10, 2020
3,720 Posts
Quote from bumoftheday :
I got my enter Amex task with my final closing disclosure.
Do you need to tell them about Amex before and that just comes in before closing.
Jul 10, 2020
569 Posts
Joined Sep 2005
Jul 10, 2020
bumoftheday
Jul 10, 2020
569 Posts
I told them right after locking.
Jul 10, 2020
274 Posts
Joined Jul 2017
Jul 10, 2020
arl16
Jul 10, 2020
274 Posts
Has anyone had a delayed closing? I know they have some 21-day commitment to close... but what incentive do they offer if they fail to close within the 21 days?

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Jul 10, 2020
499 Posts
Joined Aug 2006
Jul 10, 2020
vfx
Jul 10, 2020
499 Posts
Just sent my concierge the LE to price match. He couldn't do it. His maximum discount to give was 4K. Better LE was 9K to close. So with 4K, I was out 5K to close for 2.75 on 480K loan with 30yrs fixed traditional. I guess I'll have to go with other lender than. Other lender has zero closing cost. My current rate is 3.25 that I did refi back in 02/2020 with Better. Thought I could take advantage of this promo again. It's expired on 7/25.
Jul 10, 2020
3,202 Posts
Joined Feb 2004
Jul 10, 2020
mnsweeps
Jul 10, 2020
3,202 Posts
Quote from arl16 :
Has anyone had a delayed closing? I know they have some 21-day commitment to close... but what incentive do they offer if they fail to close within the 21 days?
They will extend rate lock expiry date at a daily expense which they will bear. No money from your pocket.
Jul 10, 2020
2,741 Posts
Joined Jun 2008
Jul 10, 2020
KaatuPaadi
Jul 10, 2020
2,741 Posts
Quote from vfx :
Just sent my concierge the LE to price match. He couldn't do it. His maximum discount to give was 4K. Better LE was 9K to close. So with 4K, I was out 5K to close for 2.75 on 480K loan with 30yrs fixed traditional. I guess I'll have to go with other lender than. Other lender has zero closing cost. My current rate is 3.25 that I did refi back in 02/2020 with Better. Thought I could take advantage of this promo again. It's expired on 7/25.
4K credit ???? for A+B+C 2.75 ???
Im being charged 4500 ( A+B+C) for closing ?? Am I getting hosed.. 500K loan for 30 years

How u guys achieving this??
Jul 10, 2020
1,004 Posts
Joined Mar 2019
Jul 10, 2020
CycloneFW
Jul 10, 2020
1,004 Posts
My refi (2nd round) at Better is conditionally approved and just waiting on the title work before we can schedule closing. Meanwhile, with the continued rate drops, I kept shopping around. I'm happy to report that Better matched a competing offer I sent them last night. Matched, to the penny.

I am ok with matching only. In the prior refi, they got were $150 over the competitor and in this refi they were $500 over. Now I'm waiting on screenshots of my updated rate table to see which is the best option for me to maximize things.

For reference, the competing offer was 2.375% on a 15-year with no lender fees and 3rd party costs $150 cheaper than I found locally (and $350 cheaper than Better's estimate). This is all before the Amex credit.
Jul 10, 2020
2,741 Posts
Joined Jun 2008
Jul 10, 2020
KaatuPaadi
Jul 10, 2020
2,741 Posts
Quote from CycloneFW :
My refi (2nd round) at Better is conditionally approved and just waiting on the title work before we can schedule closing. Meanwhile, with the continued rate drops, I kept shopping around. I'm happy to report that Better matched a competing offer I sent them last night. Matched, to the penny.

I am ok with matching only. In the prior refi, they got were $150 over the competitor and in this refi they were $500 over. Now I'm waiting on screenshots of my updated rate table to see which is the best option for me to maximize things.

For reference, the competing offer was 2.375% on a 15-year with no lender fees and 3rd party costs $150 cheaper than I found locally (and $350 cheaper than Better's estimate). This is all before the Amex credit.
Conditionally approved before locking??
I guess I made the mistake of locking right away ??​
Jul 10, 2020
499 Posts
Joined Aug 2006
Jul 10, 2020
vfx
Jul 10, 2020
499 Posts
Quote from KaatuPaadi :
4K credit ???? for A+B+C 2.75 ???
Im being charged 4500 ( A+B+C) for closing ?? Am I getting hosed.. 500K loan for 30 years

How u guys achieving this??
Yeah man. You gotta play the game. You shouldn't have to pay anything. Otherwise, no benefits to refi. With all the paperwork crap and credit pulls etc...
Jul 10, 2020
2,467 Posts
Joined Jun 2011
Jul 10, 2020
savemybucks
Jul 10, 2020
2,467 Posts
Quote from CycloneFW :
My refi (2nd round) at Better is conditionally approved and just waiting on the title work before we can schedule closing. Meanwhile, with the continued rate drops, I kept shopping around. I'm happy to report that Better matched a competing offer I sent them last night. Matched, to the penny.

I am ok with matching only. In the prior refi, they got were $150 over the competitor and in this refi they were $500 over. Now I'm waiting on screenshots of my updated rate table to see which is the best option for me to maximize things.

For reference, the competing offer was 2.375% on a 15-year with no lender fees and 3rd party costs $150 cheaper than I found locally (and $350 cheaper than Better's estimate). This is all before the Amex credit.
Matched to the penny AND amex credit?? I guess you don't have Arnold.

Maybe I should close my current application and start a new one and request someone else. I had Andrew as concierge first two days and then Arnold took over.

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Jul 10, 2020
2,741 Posts
Joined Jun 2008
Jul 10, 2020
KaatuPaadi
Jul 10, 2020
2,741 Posts
Quote from vfx :
Yeah man. You gotta play the game. You shouldn't have to pay anything. Otherwise, no benefits to refi. With all the paperwork crap and credit pulls etc...
Did you get a quote for 4K credit from another lender?? They are only matching rate for me.. Which state??

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