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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 17, 2020 11:38 PM
69 Posts
Joined Dec 2009
dealshunter09Jul 17, 2020 11:38 PM
69 Posts
Is it possible to get the $20 back from loan depot if you don't use them?
Pro
Jul 17, 2020 11:41 PM
1,410 Posts
Joined Jan 2004
seawolf
Pro
Jul 17, 2020 11:41 PM
1,410 Posts
Quote from gk6740 :
I knew the payoff number was wrong from the start. Not sure who figures this stuff out, but it is not rocket science. In the end, I should have skipped making the current month payment, but we were close to having a late fee if Better delayed the payment a few days. I will be getting my $900 or so bucks back eventually.
Payoff figure is not suppose to be accurate. Any good settlement agent would know to payoff needs to have a couple of days cushion in case unexpected happens. Current lender is suppose to refund any excess.
Jul 17, 2020 11:41 PM
93 Posts
Joined Feb 2017
JasonC8362Jul 17, 2020 11:41 PM
93 Posts
Quote from dealshunter09 :
Is it possible to get the $20 back from loan depot if you don't use them?
Nope. I paid for it. Luckily I have the 2nd best lender credit in this entire thread for that 20$. Don't regret it.
Jul 17, 2020 11:54 PM
1,371 Posts
Joined Dec 2004
missourianJul 17, 2020 11:54 PM
1,371 Posts
I am on call with Loan Depot to get a quote, damn these hold times are ridiculous.

Update: Quote from Loan depot is not good for me 2.825% plus 5k in closing costs on a 30 year fixed with Excellent credit
Last edited by missourian July 17, 2020 at 05:02 PM.
Jul 18, 2020 12:01 AM
400 Posts
Joined Jul 2013
Golfer2000Jul 18, 2020 12:01 AM
400 Posts
Closed today. Exactly 30 days from filling out the loan application. No real issues. Happy with my 2.875
Jul 18, 2020 12:05 AM
93 Posts
Joined Feb 2017
JasonC8362Jul 18, 2020 12:05 AM
93 Posts
Quote from missourian :
I am on call with Loan Depot to get a quote, damn these hold times are ridiculous.

Update: Quote from Loan depot is not good for me 2.825% plus 5k in closing costs on a 30 year fixed with Excellent credit
that's unfortunate. The vendors who consistently give low rates are loan cabin, depot, watermark. I would try those 3 and hope the luck of the draw gives you the rate you seek. Kinda bad that the rates went up 0.02% today....
Jul 18, 2020 12:06 AM
1,371 Posts
Joined Dec 2004
missourianJul 18, 2020 12:06 AM
1,371 Posts
Quote from Golfer2000 :
Closed today. Exactly 30 days from filling out the loan application. No real issues. Happy with my 2.875
With which Lender and what are your loan terms and closing cost?

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Jul 18, 2020 12:07 AM
400 Posts
Joined Jul 2013
Golfer2000Jul 18, 2020 12:07 AM
400 Posts
Quote from missourian :
With which Lender and what are your loan terms and closing cost?
Better. No closing costs. Just escrow and titling costs.
Jul 18, 2020 12:10 AM
1,371 Posts
Joined Dec 2004
missourianJul 18, 2020 12:10 AM
1,371 Posts
Anyone has any experience with interactive mortgage? I have a mortgage balance of $285K at 3.375% 30 year. They are forcing me to take a cash out (15K) 300K loan at 2.75% 30 year with $1500 fees for cash out and no other fees including title, closing and appraisal. Sounds odd
Last edited by missourian July 17, 2020 at 05:15 PM.
Jul 18, 2020 12:17 AM
1,018 Posts
Joined Mar 2019
CycloneFWJul 18, 2020 12:17 AM
1,018 Posts
Quote from JasonC8362 :
It changes. My loan officer bumped up the appraisal value as high as possible to see where he can go to drop the rates and max out credits. If your LO didn't do that for you that person isn't a good one. The key to this is the appraisal waiver. It happens for refi often, especially in hot markets (e.g., san fran) and when you purchased the property recently (say couple years back). Try calling your loan officer to argue change to appraisal and re-eval of rate. Threaten if you he/she says no. You can still shop around.
Just because the LO didn't fiddle with the value to max out credits doesn't mean they aren't a good one. With the automated valuation they got, I'm at 46% LTV. Raising it up does nothing to improve my pricing. Should the LO waste his/her time in such a scenario?!?
Jul 18, 2020 12:32 AM
582 Posts
Joined Jan 2005
skrilla101Jul 18, 2020 12:32 AM
582 Posts
Quote from dealshunter09 :
Is it possible to get the $20 back from loan depot if you don't use them?
What did loan depot charge you 20 dollars for? I'm in the process of filling out the application.
Jul 18, 2020 12:38 AM
93 Posts
Joined Feb 2017
JasonC8362Jul 18, 2020 12:38 AM
93 Posts
Quote from CycloneFW :
Just because the LO didn't fiddle with the value to max out credits doesn't mean they aren't a good one. With the automated valuation they got, I'm at 46% LTV. Raising it up does nothing to improve my pricing. Should the LO waste his/her time in such a scenario?!?
Nope. You are correct. at 46% it doesn't even make sense to do what I mentioned. The values drastically change at the upper end whether it;s at 80% of 65% etc.
Jul 18, 2020 12:38 AM
93 Posts
Joined Feb 2017
JasonC8362Jul 18, 2020 12:38 AM
93 Posts
Quote from skrilla101 :
What did loan depot charge you 20 dollars for? I'm in the process of filling out the application.
Credit app fee.
Jul 18, 2020 12:42 AM
582 Posts
Joined Jan 2005
skrilla101Jul 18, 2020 12:42 AM
582 Posts
Quote from JasonC8362 :
Credit app fee.
Thanks. They pulled my credit 3 days ago, never took any fee. Maybe as I progress through the process.

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Jul 18, 2020 12:44 AM
93 Posts
Joined Feb 2017
JasonC8362Jul 18, 2020 12:44 AM
93 Posts
Quote from CycloneFW :
Just because the LO didn't fiddle with the value to max out credits doesn't mean they aren't a good one. With the automated valuation they got, I'm at 46% LTV. Raising it up does nothing to improve my pricing. Should the LO waste his/her time in such a scenario?!
I see your point but seriously maybe my expectations are too high in the trump era, but I'd figure that most slickdealers would understand that rate tiers would be predominantly affected towards the higher LTV ratios....maybe I was wrong. At <50% LTV i seriously doubt that rates or credits would be impacted much.

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