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Greenworld123 1.4M Views
Dec 8, 2019 2:27 PM

Amex offer: $2,500 statement credit for home refinance Better.com

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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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9.8K Comments

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Jul 20, 2020 10:45 PM
276 Comments
Joined Nov 2006
cynoJul 20, 2020 10:45 PM
276 Comments
tried both WM and LC, submitted the application last week and they did not respond yet. Surprisingly they did not pull the credit report yet. it looks like they are too busy.

I am not sure if I can get the LE early enough to take it to Better.

Do you guys recommend locking with Better with whatever they provide and lock it by Saturday as per the offer terms and then try to match with other lenders later?
Jul 20, 2020 10:47 PM
2.1K Comments
Joined Jul 2008
flyersruleJul 20, 2020 10:47 PM
2.1K Comments
Close this week. Moving from 3.5% 30yr to 3.0% 30yr less than 12 months into the current 30.

Closing costs after credit will be like $50 out of pocket ($2000Credit / $2050 costs)

I have to bring $11k to closing but thats for escrow since I currently don't. Not bad considering I need to pay taxes anyhow.

So overall no cost refi to lower rate + $2500 credit.
Jul 20, 2020 10:51 PM
523 Comments
Joined Oct 2012
Deals_bobJul 20, 2020 10:51 PM
523 Comments
Quote from wandl View quoted comment :
Better offered 2.75% fixed (30 year) with $4k in points, I have a LE from WM for $1k in points. LoanCabin (no LE yet) is offering 2.625% with $500 in credits. About to request the PM from Better and see what they come back with...
Thats very low credits from LC. How much is loan amount ?
Jul 20, 2020 10:51 PM
2.9K Comments
Joined Sep 2010
tayninhJul 20, 2020 10:51 PM
2.9K Comments
Which would you pick?

15yr with Better so there'll be $2,500 back

2.25%
A+B+C = $1,850 with 0 lender credits

or
2.625%
A+B+C=$1,850 with $3,390 lender credits

Will save $9,000 in interest for the loan period.
Jul 20, 2020 10:52 PM
2.5K Comments
Joined Aug 2007
sleekwalletJul 20, 2020 10:52 PM
2.5K Comments
Quote from tayninh View quoted comment :
Which would you pick?

15yr with Better so there'll be $2,500 back

2.25%
A+B+C = $1,850 with 0 lender credits

or
2.625%
A+B+C=$1,850 with $3,390 lender credits

Will save $9,000 in interest for the loan period.

30, easy
Jul 20, 2020 11:02 PM
2.9K Comments
Joined Sep 2010
tayninhJul 20, 2020 11:02 PM
2.9K Comments
Quote from sleekwallet View quoted comment :
30, easy
What do you mean 30? They're both 15 yrs loan.
Jul 20, 2020 11:05 PM
575 Comments
Joined Oct 2013
m0nkeym8nJul 20, 2020 11:05 PM
575 Comments
Hi - has anyone who has officially closed; did Better follow up with you a week or two before the 10-12 weeks were up? I just got a call requesting information and wanted to verify it was legit.

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Jul 20, 2020 11:20 PM
45 Comments
Joined Apr 2020
MrDiojiJul 20, 2020 11:20 PM
45 Comments
Quote from cyno View quoted comment :
Do you guys recommend locking with Better with whatever they provide and lock it by Saturday as per the offer terms and then try to match with other lenders later?
The terms just say you need to submit a completed application through the Amex/Better link by 7/25/2020 (and close by 10/28/20). Nothing about locking a rate before 7/25.
Jul 20, 2020 11:21 PM
2.5K Comments
Joined Aug 2007
sleekwalletJul 20, 2020 11:21 PM
2.5K Comments
Quote from tayninh View quoted comment :
What do you mean 30? They're both 15 yrs loan.

oh! hahaha sorry, then I'm not sure. Are you planning to refinance again ? they both dont look like great rates
Jul 20, 2020 11:41 PM
1.2K Comments
Joined Jan 2006
4dealsJul 20, 2020 11:41 PM
1.2K Comments
Better turned-down PM from another lender....
what to do ?
Jul 20, 2020 11:45 PM
2.9K Comments
Joined Sep 2010
tayninhJul 20, 2020 11:45 PM
2.9K Comments
Quote from sleekwallet View quoted comment :
oh! hahaha sorry, then I'm not sure. Are you planning to refinance again ? they both dont look like great rates
Of course if there's a lower rate in the future then I'll refinance. Why do you think they don't look too good? BTW, my loan amount is around $275k.

So looking at it, I either take $4k now after Amex and all A+B+C fees with 2.625%.
Or take $660 after fees at 2.25% but will save $9k in the long run.
Jul 20, 2020 11:48 PM
57 Comments
Joined Apr 2011
U2xJul 20, 2020 11:48 PM
57 Comments
Quote from sailakfan View quoted comment :
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?
Yes both rate and apr are the same. Went through owning.com
Jul 20, 2020 11:58 PM
205 Comments
Joined Aug 2013
SomeXYZJul 20, 2020 11:58 PM
205 Comments
Better is not able to match for 2.625%. They gave me extra $2.5k lender credits. Going with Better to get amex $2.5k
Jul 21, 2020 12:03 AM
2.9K Comments
Joined Sep 2010
tayninhJul 21, 2020 12:03 AM
2.9K Comments
Quote from SomeXYZ View quoted comment :
Better is not able to match for 2.625%. They gave me extra $2.5k lender credits. Going with Better to get amex $2.5k
Is that for 30 years? How much A+B+C and total lender credits?

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Jul 21, 2020 12:04 AM
23 Comments
Joined Jul 2019
BeautifulGame7618Jul 21, 2020 12:04 AM
23 Comments
Does this look decent?
2.25% 15 year fixed.
A+b+c= 3080
Credits= 2450

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