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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 20, 2020 06:05 PM
1,371 Posts
Joined Dec 2004
missourianJul 20, 2020 06:05 PM
1,371 Posts
I locked my rate with WM and I shared my Title company info with them. I asked for LE they are saying i should be getting it by Wednesday. My appraisal has been waived, Does anyone in this thread received an official LE from watermark?

I don't have any competitive (official) LE to match with Better, very frustrating...
Last edited by missourian July 20, 2020 at 12:14 PM.
Jul 20, 2020 06:11 PM
552 Posts
Joined Jan 2013
hello3232Jul 20, 2020 06:11 PM
552 Posts
I received a LE from watermark by calling the loan officer. Better refused to match
Jul 20, 2020 06:13 PM
1,371 Posts
Joined Dec 2004
missourianJul 20, 2020 06:13 PM
1,371 Posts
Quote from hello3232 :
I received a LE from watermark by calling the loan officer. Better refused to match
Ouch, what are the loan terms. I was told better is not matching anything less than 2.75%
Jul 20, 2020 06:17 PM
552 Posts
Joined Jan 2013
hello3232Jul 20, 2020 06:17 PM
552 Posts
Quote from missourian :
Ouch, what are the loan terms. I was told better is not matching anything less than 2.75%
300k 75% LTV escrow waived. Better said 2.875 was best they could do
Jul 20, 2020 06:21 PM
1,371 Posts
Joined Dec 2004
missourianJul 20, 2020 06:21 PM
1,371 Posts
Quote from hello3232 :
300k 75% LTV escrow waived. Better said 2.875 was best they could do
Same ballpark, 60% LTV. May be take it and pocket the $2500 AMEX and refinance again in couple of months?
Jul 20, 2020 07:12 PM
552 Posts
Joined Jan 2013
hello3232Jul 20, 2020 07:12 PM
552 Posts
Quote from missourian :
Same ballpark, 60% LTV. May be take it and pocket the $2500 AMEX and refinance again in couple of months?
Couldn't get them to break even on 2.875 including the amex offer. Must not be hurting for business
Jul 20, 2020 07:13 PM
56 Posts
Joined Mar 2011
bbayanJul 20, 2020 07:13 PM
56 Posts
Was it for the same property or two different properties please?

Quote from hungiema :
yea i got both credits already. the first cred took about 8weeks. the second one took only 4

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Jul 20, 2020 07:14 PM
45 Posts
Joined Apr 2020
MrDiojiJul 20, 2020 07:14 PM
45 Posts
Quote from nic3456 :
Has anyone gone past their rate lock timeframe with Better? Mine is about to expire (because the subordination on the HELOC is taking forever). Trying to determine what might happen and Better is very slow with communication.
I emailed them after it had been almost a month waiting for the Title to clear (an issue with the home equity loan not being shown or something). They emailed me back saying they would extend the rate lock at their expense. I don't think I'll need them to do that, though, since I'm set to close tomorrow and still have 6 days until rate expires.

Now, my Processing Expert was out of town, so the next level supervisor said they'd extend the lock. Not sure if that always requires supervisor approval.
Jul 20, 2020 07:22 PM
3 Posts
Joined Jul 2020
JollyTexture7188Jul 20, 2020 07:22 PM
3 Posts
Quote from stoneheath :
If you don't have a LE from LoanCabin, are you just going to submit the unofficial estimate you have from LoanCabin to Better for a match? Is this some thing that Better would accept to match?

Also, how long has it been since you submitted an application/credit pull with LoanCabin while you are still waiting for a LE?
What company is WM? please advise
Thanks
Jul 20, 2020 07:27 PM
275 Posts
Joined Nov 2010
stoneheathJul 20, 2020 07:27 PM
275 Posts
Quote from JollyTexture7188 :
What company is WM? please advise
Thanks
Watermark
Jul 20, 2020 07:32 PM
275 Posts
Joined Nov 2010
stoneheathJul 20, 2020 07:32 PM
275 Posts
I submitted an application with Watermark this morning. I got a rate of 2.25% on a 15 year fixed with $1500 lender credit. But they also have an origination fee of $1500. Apart from there is 3rd party fees like title etc for 2.4K and appraisal cost.

But the Watermark guy refuses to give an official LE estimate without locking the rate. Any thoughts how to proceed further? What are the implications if one locks in a rate? Are you bound to continue?

There doesn't seem to be a cost to lock the rate though. With out the LE can't go to Better as their advertised rates are nowhere near.
Jul 20, 2020 07:32 PM
1,828 Posts
Joined Jun 2007
sailakfanJul 20, 2020 07:32 PM
1,828 Posts
Quote from SashinN :
Ended up locking with another vendor. California refi, 2.75 rate and apr for a 30yr.
Hello, is you rate and apr both 2.75%. I just got a quote and rate is 2.75 but apr is 2.796%, can someone explain if I submit this to price match, would there be any problem?
Jul 20, 2020 07:59 PM
1,828 Posts
Joined Jun 2007
sailakfanJul 20, 2020 07:59 PM
1,828 Posts
Hello all,

I have a loan locked with Lenderfi and they already issued preclosure document. In the past Arnold shot my matching down couple of times so I moved on. But since the deadline is approaching, I applied one more time and now better is matching along with the rebate. If I back out of Lenderfi, would I get in any trouble other than feeling guilty for the person I am worming with Frown
Jul 20, 2020 08:05 PM
126 Posts
Joined Jan 2016
kapujuJul 20, 2020 08:05 PM
126 Posts
What is everyone's thoughts on taking a 3% versus a 2.75 to get $3306 in credits versus $400, to pocket about $1300 after closing costs versus owing about $1600 with the intention to refinance after the Amex credit hits. A lot of risk of rates going above the 3 mark? I want a sub 3 rate and would be happy under 3, but if I can profit more taking a 3 and in a month or 2 get sub 3 and even use some of my "profit" to pay points. A lot of risk here?

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Jul 20, 2020 08:19 PM
45 Posts
Joined Apr 2020
MrDiojiJul 20, 2020 08:19 PM
45 Posts
Quote from sailakfan :
Hello, is you rate and apr both 2.75%. I just got a quote and rate is 2.75 but apr is 2.796%, can someone explain if I submit this to price match, would there be any problem?
The rate is what they'll match. APR is calculated based on the rate and the loan costs. If they matched the rate and matched/beat the loan costs, then the APR would be the same/lower, respectively.

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