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expiredGreenworld123 posted Dec 08, 2019 02:27 PM
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expiredGreenworld123 posted Dec 08, 2019 02:27 PM

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 14, 2020 05:33 PM
499 Posts
Joined Feb 2012
Mikey122687Jul 14, 2020 05:33 PM
499 Posts
For the $2500 AMEX credit, you need to call/email them. Otherwise it won't show up in one of the task.
Quote from Better :
Thank you for letting me know regarding your AMEX credit. We have been having an issue where the specific task does not automatically release once you make it to closing. I have manually send it over to you now. Look for "Eligible card for statement credit". Let me know if you need anything else!
Jul 14, 2020 05:42 PM
93 Posts
Joined Feb 2017
JasonC8362Jul 14, 2020 05:42 PM
93 Posts
Ok so I got on a 2nd call with better and apparently there was communication breakdown in between.

I got a price match....they max they say they can do is 4k per new policy guidelines (all this amex stuff caused it).

So my rate is 2.75% with 1912 out of pocket fees for A+B+C - 2500 amex credit. Net is 2.75% with -600 which is phenomenal (that equates to 5.6k in credits b/c my C fees are high - Texas).

Don't give up hope!!!!
Jul 14, 2020 05:50 PM
127 Posts
Joined Jan 2016
kapujuJul 14, 2020 05:50 PM
127 Posts
Quote from EdMcK515 :
Yeah.
Better is telling me they don't do 2.625 on 30 years which is one reason they won't match my offer.
Jul 14, 2020 05:57 PM
93 Posts
Joined Feb 2017
JasonC8362Jul 14, 2020 05:57 PM
93 Posts
Quote from kapuju :
Better is telling me they don't do 2.625 on 30 years which is one reason they won't match my offer.
Try checking your calculations one more time. The 2.75% can be a better option. When I did my math, it would take me 10 yrs to break even with the lender credit gap between 2.75 and 2.625. Doesn't justify the 2.625 rate for me when I'm likely to refiance 1 more time in the next 2-4 months.
Jul 14, 2020 06:15 PM
3,754 Posts
Joined Oct 2010
k1ngkev1n1Jul 14, 2020 06:15 PM
3,754 Posts
got my appraisal waived nice! thought i was gonna have to pay that. got conditional preapproval and now just waiting, great thread. thanks everyone.
Jul 14, 2020 06:26 PM
1,362 Posts
Joined May 2005
rsprayJul 14, 2020 06:26 PM
1,362 Posts
Just rate locked with American Federal:
30-year fixed
$428k (54% LTV)
2.625% ($1070 fee over 2.75%)
Origination fee:$750.00
(appraisal waived)
Lender Closing Credits: ($750.00)
Total cost: $2722 ($1600 for title company & attorney fees, taxes, etc.)

No Better.com option since they don't do MA, but I'm pretty happy.
Jul 14, 2020 06:27 PM
908 Posts
Joined Nov 2017
gk6740Jul 14, 2020 06:27 PM
908 Posts
Quote from Mikey122687 :
For the $2500 AMEX credit, you need to call/email them. Otherwise it won't show up in one of the task.
I originally applied at better via the link. The task showed up towards the end, but before closing. If you do not have it then, then ask them.

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Jul 14, 2020 06:58 PM
126 Posts
Joined Jun 2020
LetsgogogoJul 14, 2020 06:58 PM
126 Posts
For those you who matched to better with loancabin's LE, did you submit their draft or did you lock the rate and get official LE, and send it to better?
Jul 14, 2020 07:29 PM
353 Posts
Joined Dec 2019
wandlJul 14, 2020 07:29 PM
353 Posts
Quote from Letsgogogo :
For those you who matched to better with loancabin's LE, did you submit their draft or did you lock the rate and get official LE, and send it to better?
I used the draft when I did with LoanDepot
Jul 14, 2020 07:33 PM
383 Posts
Joined Jun 2006
skdealJul 14, 2020 07:33 PM
383 Posts
Quote from refitime :
You can back out at anytime, especially when you haven't signed the closing documents. It doesn't matter if you have locked the rate or indicated intent to proceed. It's too late to back out when your loan is funded by paying off the old loan.

If you didn't pay an application fee, lock fee, appraisal fee, or any other upfront fee, then you lose nothing when backing out.
I locked with LenderFi by providing the CC info for appraisal. So if I back off now will I only loose the Loan Costs related to B which is about $697 in my case. My origination was zero. Better reached out to talk so wondering what my options are in case they give a good deal or even if they match then I may get the 2500 AMEX credit.
Jul 14, 2020 07:39 PM
166 Posts
Joined Dec 2010
nagraw4Jul 14, 2020 07:39 PM
166 Posts
I am sure this is answered somewhere on this tread but having a hard time finding it.
Can I use my Delta Amex for the credit or does it need to be one without co-branding?
Thanks!
Jul 14, 2020 07:47 PM
93 Posts
Joined Feb 2017
JasonC8362Jul 14, 2020 07:47 PM
93 Posts
Quote from nagraw4 :
I am sure this is answered somewhere on this tread but having a hard time finding it.
Can I use my Delta Amex for the credit or does it need to be one without co-branding?
Thanks!
Just use the link.

www.americanexpress.com/better [americanexpress.com]

If you feel you need to go the extra mile, call AMEX and ask them to send you the link from an amex CS. That way you can argue your way out later if problems arise.​
Jul 14, 2020 07:50 PM
93 Posts
Joined Feb 2017
JasonC8362Jul 14, 2020 07:50 PM
93 Posts
I'm surprised lot of people having problems with this. Once better calls you and access the info you provided through the link, they know that you have the amex offer on file.....and they are incentivized to now b/c they are going to factor that in when matching rates. Just ask them during the call if they see it or not.
Quote from nagraw4 :
I am sure this is answered somewhere on this tread but having a hard time finding it.
Can I use my Delta Amex for the credit or does it need to be one without co-branding?
IThanks!I
Jul 14, 2020 07:53 PM
5,262 Posts
Joined Jul 2006
shahhereJul 14, 2020 07:53 PM
5,262 Posts
I have no idea what happened by I My Watermark LO has gone MIA and havent heard back from Michael C.....anyone else on the same boat?


I got the initial email but no LE..........





Shahhere

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Jul 14, 2020 07:56 PM
93 Posts
Joined Feb 2017
JasonC8362Jul 14, 2020 07:56 PM
93 Posts
Quote from shahhere :
I have no idea what happened by I My Watermark LO has gone MIA and havent heard back from Michael C.....anyone else on the same boat?


I got the initial email but no LE..........





Shahhere
Press hard and contact anyone. Don't lose your rate and credits.

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