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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.
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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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9,848 Comments

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Jul 21, 2020
10 Posts
Joined Mar 2015
Jul 21, 2020
jerrymao
Jul 21, 2020
10 Posts
the best i can get is 2.5 no point closing loan cost is around 5000
Jul 21, 2020
20 Posts
Joined Nov 2016
Jul 21, 2020
MaoM3246
Jul 21, 2020
20 Posts
what 's the best you can get in New york for 15 years refinance?
Jul 21, 2020
1,412 Posts
Joined Jan 2020
Jul 21, 2020
SiennaDeer8270
Jul 21, 2020
1,412 Posts
Quote from MaoM3246 :
what 's the best you can get in New york for 15 years refinance?
You tell us.

Or you can post your ssn, copy of your mortgage statement, send us your credit report, show us your address, scan us your drivers license and we can do it for you.
1
Jul 21, 2020
20 Posts
Joined Nov 2016
Jul 21, 2020
MaoM3246
Jul 21, 2020
20 Posts
Quote from SiennaDeer8270 :
You tell us.

Or you can post your ssn, copy of your mortgage statement, send us your credit report, show us your address, scan us your drivers license and we can do it for you.
what's company are you working for or just joking
2
Jul 21, 2020
25 Posts
Joined Nov 2015
Jul 21, 2020
yoyospy
Jul 21, 2020
25 Posts
Finally got a loan estimate from WM, they are giving me 2.625% with $1075 in lender credits. There is still a $1500 origination fee.

He promised me $2k in lender credits on the phone, but came back said they couldn't do that.

I can take this to better.com, but how do those numbers sound. This is for 30 year fixed.
Jul 21, 2020
512 Posts
Joined Oct 2012
Jul 21, 2020
Deals_bob
Jul 21, 2020
512 Posts
Quote from yoyospy :
Finally got a loan estimate from WM, they are giving me 2.625% with $1075 in lender credits. There is still a $1500 origination fee.

He promised me $2k in lender credits on the phone, but came back said they couldn't do that.

I can take this to better.com, but how do those numbers sound. This is for 30 year fixed.
Do you have upload all your tax returns, paychecks, etc.. all documents to get LE from WM?
Jul 21, 2020
279 Posts
Joined Sep 2007
Jul 21, 2020
fenix8o0
Jul 21, 2020
279 Posts
Are B+C location dependent? My costs are almost $4k total in NY.

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Jul 21, 2020
25 Posts
Joined Nov 2015
Jul 21, 2020
yoyospy
Jul 21, 2020
25 Posts
Quote from Deals_bob :
Do you have upload all your tax returns, paychecks, etc.. all documents to get LE from WM?
I had to rate lock and upload most of those documents. It was really difficult to get them to send me the LE
Jul 21, 2020
512 Posts
Joined Oct 2012
Jul 21, 2020
Deals_bob
Jul 21, 2020
512 Posts
Quote from yoyospy :
I had to rate lock and upload most of those documents. It was really difficult to get them to send me the LE
Seems like it's norm with WM. Thanks for confirming.
Jul 21, 2020
79 Posts
Joined May 2013
Jul 21, 2020
DallasD
Jul 21, 2020
79 Posts
Just closed on Saturday. 15 Year @ 2.25%; A+B+C = Zero after lender credit, and $2,500 AMEX credit coming soon. Probably my slickest of all slick deals and I've been on this site since 2004. For reference in Texas, $300k Loan.
Jul 21, 2020
25 Posts
Joined Nov 2015
Jul 21, 2020
yoyospy
Jul 21, 2020
25 Posts
Quote from yoyospy :
Finally got a loan estimate from WM, they are giving me 2.625% with $1075 in lender credits. There is still a $1500 origination fee.

He promised me $2k in lender credits on the phone, but came back said they couldn't do that.

I can take this to better.com, but how do those numbers sound. This is for 30 year fixed.
Better got back to me, there offer is complete trash compared to WM, not sure what is going on. There offer is A+B+C = $4582 with 0 in lender credits.

Has any one had this experience? i thought they would def offer some thing better.
Pro
Jul 21, 2020
4,993 Posts
Joined Jul 2006
Jul 21, 2020
shahhere
Pro
Jul 21, 2020
4,993 Posts
Quote from yoyospy :
Better got back to me, there offer is complete trash compared to WM, not sure what is going on. There offer is A+B+C = $4582 with 0 in lender credits.

Has any one had this experience? i thought they would def offer some thing better.

You have to apply, lock and proceed from there. Better is more willing to do thins the more committed you are in the processing. If you are just at the front end of it then many have gotten rejected. I went all the way to the lock stage to get a comparable offer and then PM later.


There is also the possibility that they wont match as has been the case for many.



Shahhere
Pro
Jul 21, 2020
4,993 Posts
Joined Jul 2006
Jul 21, 2020
shahhere
Pro
Jul 21, 2020
4,993 Posts
Alright Guys,

I have a lender that was servicing my loan in 2014 who I had reached out last week to see what they could do as their letter stated that they'd beat any offers out there.

Not having high hopes and even if they beat it I'd figured it was only by a hundred at best but lo and behold they have taken my Better Estimate of -$2150 for 2.75% and are kicking back a really large credit at the same rate and kicking back almost -$6600. The credit is large enough for me to consider this a "True No Closing Cost" loan and not bring any money to close.

Verbally this was unheard of yesterday and I do have a Loan Estimate reflecting that credit and am awaiting the Lender to "Lock" the rate/credit so I can fully share/post the Lender details and here. I highly doubt that others will be able to replicate this deal My 227K loan with 47% LTV and a good Debt to Income and Credit score combined with probably some sort of an exemption by the lender?

I've sent it to Better but don't think they'll come close and think they'll flat out reject the match. I'll post the Lender Info and the Direct Contact to the LO who helped me and she is willing to do similar PriceMatch deals and stated to mention "Shahhere" so she can keep track of the source of this information. I AM NOT GETTING ANY KICKBACKS FYI so proceed at your own will at this point if you do or don't believe me Smilie. I am waiting on a locked LE which was stated to be a few days from Yesterday evening.

Shahhere
Jul 21, 2020
178 Posts
Joined Mar 2013
Jul 21, 2020
BabyDoll123
Jul 21, 2020
178 Posts
Quote from shahhere :
Alright Guys,

I have a lender that was servicing my loan in 2014 who I had reached out last week to see what they could do as their letter stated that they'd beat any offers out there.

Not having high hopes and even if they beat it I'd figured it was only by a hundred at best but lo and behold they have taken my Better Estimate of -$2150 for 2.75% and are kicking back a really large credit at the same rate and kicking back almost -$6600. The credit is large enough for me to consider this a "True No Closing Cost" loan and not bring any money to close.

Verbally this was unheard of yesterday and I do have a Loan Estimate reflecting that credit and am awaiting the Lender to "Lock" the rate/credit so I can fully share/post the Lender details and here. I highly doubt that others will be able to replicate this deal My 227K loan with 47% LTV and a good Debt to Income and Credit score combined with probably some sort of an exemption by the lender?

I've sent it to Better but don't think they'll come close and think they'll flat out reject the match. I'll post the Lender Info and the Direct Contact to the LO who helped me and she is willing to do similar PriceMatch deals and stated to mention "Shahhere" so she can keep track of the source of this information. I AM NOT GETTING ANY KICKBACKS FYI so proceed at your own will at this point if you do or don't believe me Smilie. I am waiting on a locked LE which was stated to be a few days from Yesterday evening.

Shahhere

thank you! Looking forward to the info!

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Jul 21, 2020
25 Posts
Joined Nov 2015
Jul 21, 2020
yoyospy
Jul 21, 2020
25 Posts
Quote from shahhere :
Alright Guys,

I have a lender that was servicing my loan in 2014 who I had reached out last week to see what they could do as their letter stated that they'd beat any offers out there.

Not having high hopes and even if they beat it I'd figured it was only by a hundred at best but lo and behold they have taken my Better Estimate of -$2150 for 2.75% and are kicking back a really large credit at the same rate and kicking back almost -$6600. The credit is large enough for me to consider this a "True No Closing Cost" loan and not bring any money to close.

Verbally this was unheard of yesterday and I do have a Loan Estimate reflecting that credit and am awaiting the Lender to "Lock" the rate/credit so I can fully share/post the Lender details and here. I highly doubt that others will be able to replicate this deal My 227K loan with 47% LTV and a good Debt to Income and Credit score combined with probably some sort of an exemption by the lender?

I've sent it to Better but don't think they'll come close and think they'll flat out reject the match. I'll post the Lender Info and the Direct Contact to the LO who helped me and she is willing to do similar PriceMatch deals and stated to mention "Shahhere" so she can keep track of the source of this information. I AM NOT GETTING ANY KICKBACKS FYI so proceed at your own will at this point if you do or don't believe me . I am waiting on a locked LE which was stated to be a few days from Yesterday evening.

Shahhere
Keep us posted, that's insane!

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