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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 10, 2020
103 Posts
Joined Oct 2018
Jul 10, 2020
OrangeGiraffe2877
Jul 10, 2020
103 Posts
deleted for post below
Last edited by OrangeGiraffe2877 July 10, 2020 at 07:49 AM.
Jul 10, 2020
103 Posts
Joined Oct 2018
Jul 10, 2020
OrangeGiraffe2877
Jul 10, 2020
103 Posts
Quote from brat7705 :
From a lender on Bankrate.com with 1490$ (with $800 credit) in origination ($1490 was removed better with an additional 1025$ in lender credit). Matched title from $850 to 400$...

I went from 3.5 to 3% in Jan, now to 2.25%. Different email account and different amex card, I initiated application with home address, loan amount and home values, left it there for days. I used to get reminders everyday, but the rates were not attractive enough. On 29th I got an email with the amex 2,500$ and by chance bankrate has 2.25%. I completed the better.com application as soon as I got the locked LE from competitor. I locked better right away and let the competitor know, they agreed better.com was better offer.
I had amex # task show-up 3 days ago. I have an email from them and the concierge spoke of matching the rate and amex credit on the phone. Even if I don't get the $2500 credit. This refi is fantastic savings for me.

Probably will start an application on 25th July for a 3rd
Which lender did you use from Bankrate?
Jul 10, 2020
639 Posts
Joined Jan 2009
Jul 10, 2020
brat7705
Jul 10, 2020
639 Posts
Quote from savemybucks :
you initiated with better/amex link or just plain better link?
better-amex of course
Quote from SDRebel :
how long do you guys wait between round #1 and #2? I know we are running out of time
edit:
I can either do my rental or go again for my primary
Mine was about 6 months
Quote from OrangeGiraffe2877 :
Which lender did you use from Bankrate?
I'm in NC and used Sebonic, may not be available in other locations my LTV was 69% and 378K loan, FICO 803 and 15-yr
Last edited by brat7705 July 10, 2020 at 08:14 AM.
Jul 10, 2020
95 Posts
Joined Jun 2014
Jul 10, 2020
vijay_slick
Jul 10, 2020
95 Posts
I have read the last 10-15 pages and couldn't see any discussion on ARM mortgages. I haven't logged into better.com yet but has anyone taken ARM mortgages from Better.com and if so what's the rates for 5/1 and 7/1.

My LTV ratio is 75% and I loan amount around 750k, I want to pay the minimum right now.
Jul 10, 2020
11 Posts
Joined Jul 2009
Jul 10, 2020
vakil
Jul 10, 2020
11 Posts
Does anyone have title insurance company recommendation for CA properties? I have an estimate from loan cabin but as Radian does not have an exsisting account with loan cabin Radian did not provide a quote for title insurance.
Jul 10, 2020
633 Posts
Joined Feb 2007
Jul 10, 2020
techoin
Jul 10, 2020
633 Posts
I see zillow advertising rates as low as 2.625 with no points today for 30yr...seems like we are going to see 2.5% soon
Jul 10, 2020
205 Posts
Joined Aug 2013
Jul 10, 2020
SomeXYZ
Jul 10, 2020
205 Posts
Quote from techoin :
I see zillow advertising rates as low as 2.625 with no points today for 30yr...seems like we are going to see 2.5% soon
Who is lender?

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Jul 10, 2020
5 Posts
Joined Sep 2006
Jul 10, 2020
ttlax
Jul 10, 2020
5 Posts
Better just declined to match the LE (high tech lending) I sent them. 2.625% and no points (~200 in lender fees). They said the rates on my account were the best they could do. They were very prompt and easy to deal with...it only took them an hour to tell me "no way!". The same rate on better cost 9,000.
Jul 10, 2020
3,202 Posts
Joined Feb 2004
Jul 10, 2020
mnsweeps
Jul 10, 2020
3,202 Posts
ok so after requesting the task for getting credit last night, I do see an added new task to enter last 5 digits of AMEX card where I want the $2500 credited. Is that what everyone else is getting? I also checked with AMEX and all my 3 cards are eligible.. Amex Hilton Aspire, Delta gold and Amex Everyday.
Jul 10, 2020
316 Posts
Joined Jul 2016
Jul 10, 2020
sskumarsd
Jul 10, 2020
316 Posts
any comment on loancabin. I submitted my application in the morning and haven't heard anything from them yet.thanks
Jul 10, 2020
5 Posts
Joined Sep 2006
Jul 10, 2020
ttlax
Jul 10, 2020
5 Posts
Quote from sskumarsd :
any comment on loancabin. I submitted my application in the morning and haven't heard anything from them yet.thanks
I submitted one Wed and still haven't heard anything. I did get a response that said they were backed up and would hear back in a few days.
Jul 10, 2020
3,720 Posts
Joined Oct 2010
Jul 10, 2020
k1ngkev1n1
Jul 10, 2020
3,720 Posts
Quote from sskumarsd :
any comment on loancabin. I submitted my application in the morning and haven't heard anything from them yet.thanks
i got an email next day from them. Generally the email response was pretty quick.
Jul 10, 2020
499 Posts
Joined Aug 2006
Jul 10, 2020
vfx
Jul 10, 2020
499 Posts
Quote from ttlax :
Better just declined to match the LE (high tech lending) I sent them. 2.625% and no points (~200 in lender fees). They said the rates on my account were the best they could do. They were very prompt and easy to deal with...it only took them an hour to tell me "no way!". The same rate on better cost 9,000.
They don't want our business now. Move on. Dont let $2500 hold you back. If you want low rate, do it now with zero closing cost.
Jul 10, 2020
4,655 Posts
Joined Mar 2006
Jul 10, 2020
Phasers
Jul 10, 2020
4,655 Posts
Quote from vijay_slick :
I have read the last 10-15 pages and couldn't see any discussion on ARM mortgages. I haven't logged into better.com yet but has anyone taken ARM mortgages from Better.com and if so what's the rates for 5/1 and 7/1.

My LTV ratio is 75% and I loan amount around 750k, I want to pay the minimum right now.
https://better.com/mortgage-rates/refinance/

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Jul 10, 2020
155 Posts
Joined Nov 2017
Jul 10, 2020
CurryFishBalls
Jul 10, 2020
155 Posts
Quote from Letsgogogo :
Was the better rep concierge or processing person? Was this via email
Have no idea what the diff between the rep concierge or processing person... probably the concierge.

And this is what I got in the email from better.com
"You're good to go and I will be sure to add the American Express tag to your file and make a note in your account. "

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