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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 22, 2020 09:57 PM
21 Posts
Joined Mar 2018
James1900Jul 22, 2020 09:57 PM
21 Posts
Stupid question, you pay your fees on the day you sign correct? Your close date? You don't do it on the day they fund the loan for a refi?
Jul 22, 2020 10:32 PM
39 Posts
Joined Feb 2016
NobodyuknoJul 22, 2020 10:32 PM
39 Posts
How long does it usually take them to process everything? I rate locked and submitted everything two weeks ago and haven't really gotten an update from them.
Jul 22, 2020 10:41 PM
83 Posts
Joined Sep 2010
usainboltJul 22, 2020 10:41 PM
83 Posts
Quote from James1900 :
Stupid question, you pay your fees on the day you sign correct? Your close date? You don't do it on the day they fund the loan for a refi?
Day you close
Jul 22, 2020 10:43 PM
1,277 Posts
Joined Oct 2007
micky_dJul 22, 2020 10:43 PM
1,277 Posts
Quote from yoyospy :
Mine was actually Mark, I feel for the guy. He seemed super upset.

Started talking about how everyone is giving him the run around and how he had kids and works on commission
That's the cons of capitalism. Everyone cares about their own pockets, so a customer getting better rate with money in their pockets will think about their kids first. The same argument goes when we buy at Amazon / Walmart rather than at a local store for a higher price and due to that many of small businesses have disappeared.
Jul 22, 2020 10:45 PM
2,853 Posts
Joined Jun 2008
KaatuPaadiJul 22, 2020 10:45 PM
2,853 Posts
Quote from pandy00 :
Better.com must be having issues the last hour or two. My concierge isn't answering emails and no one is picking up their main line after multiple calls.
Welcome to better.com..

Also, anybody know if the loan gets funded the day of closing OR before ???

What if the loan gets funded and closing falls apart hypothetical?? . Do we get a notification of loan getting funded??
Last edited by KaatuPaadi July 22, 2020 at 03:59 PM.
Jul 22, 2020 11:40 PM
1,549 Posts
Joined Aug 2012
HarryS4062Jul 22, 2020 11:40 PM
1,549 Posts
Quote from KaatuPaadi :
Welcome to better.com..

Also, anybody know if the loan gets funded the day of closing OR before ???

What if the loan gets funded and closing falls apart hypothetical?? . Do we get a notification of loan getting funded??
Loan gets funded 3 days after closing ( 3 includes Saturdays but not Sundays and holidays). But better.com is notorious to send the email saying its funded either in advance or the day after the actual funding date but that email is not really the one that decides it. Even in my account was showing "Funded" 2 days before closing...just a trigger happy closing expert of funder must have done that. It does not mean anything. Since you have 3 days to cancel they can fund only on completion of those 3 days. It is possible that the title company gets the funds day of closing or a day in advance of actual funding, but those funds are in the escrow account of the title company and if the loan falls apart for some reason after the closing date and before the end of the 3 day period, the title company are supposed to return funds from wherever they got them less some costs like appraisal.
edit: 3 day waiting applies only to refis,. purchase transactions are funded day of closing.
Last edited by HarryS4062 July 22, 2020 at 05:11 PM.
Jul 23, 2020 12:13 AM
1,550 Posts
Joined Dec 2010
daw4888Jul 23, 2020 12:13 AM
1,550 Posts
Quote from Nobodyukno :
How long does it usually take them to process everything? I rate locked and submitted everything two weeks ago and haven't really gotten an update from them.

I would reach out to them and check. My process went rather fast. never had 2 weeks without updates/more tasks to complete.

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Jul 23, 2020 01:01 AM
166 Posts
Joined Dec 2010
nagraw4Jul 23, 2020 01:01 AM
166 Posts
Here's the breakup question - how do you tell the LO that you have locked with that you don't want to proceed? And at what stage should you do that?
Jul 23, 2020 01:56 AM
52 Posts
Joined Oct 2009
dgun25Jul 23, 2020 01:56 AM
52 Posts
Does anyone if the deadline for the amex credit means that the application has to go to underwriting by the 25th?
Jul 23, 2020 01:57 AM
1,018 Posts
Joined Mar 2019
CycloneFWJul 23, 2020 01:57 AM
1,018 Posts
Quote from nagraw4 :
Here's the breakup question - how do you tell the LO that you have locked with that you don't want to proceed? And at what stage should you do that?
Just be honest. You got offer XYZ from ABC lender. "If you are unable to beat that, please withdraw my application." The sooner you do this, the better, as that means they've incurred less cost in processing the loan and paying third parties.
Jul 23, 2020 02:00 AM
276 Posts
Joined Dec 2013
tedzoJul 23, 2020 02:00 AM
276 Posts
I told the new lender that my current lender is offering a better rate and if he can match it (that was the truth). He asked for LE and such. However, the current lender was willing to work with practically zero documentation since I had an existing loan with them. Told new lender exactly that and also couldn't proceed due to that.
Quote from nagraw4 :
Here's the breakup question - how do you tell the LO that you have locked with that you don't want to proceed? And at what stage should you do that?
Last edited by tedzo July 22, 2020 at 07:04 PM.
Jul 23, 2020 03:00 AM
45 Posts
Joined Apr 2020
MrDiojiJul 23, 2020 03:00 AM
45 Posts
Quote from RohanM3727 :
To ppl who refinanced and already closed - was there a difference between the mortgage amount and the paid off amount? How do we get back that amount? I see a difference of around 2K.
The payoff amount will be higher than the principal balance because you have to pay daily interest to the old lender until the old loan is paid off.
Jul 23, 2020 03:02 AM
45 Posts
Joined Apr 2020
MrDiojiJul 23, 2020 03:02 AM
45 Posts
So, I'm set to sign closing docs on Friday 7/24. I wonder if I can start an application on Saturday 7/25 to get another credit.

What are people's thoughts if I can submit a new application before my current one is even funded? I probably shouldn't get greedy and mess with my very good refi that I'm currently working on.
Jul 23, 2020 03:19 AM
383 Posts
Joined Jun 2006
skdealJul 23, 2020 03:19 AM
383 Posts
Today Better readjusted my LE and reduced my title insurance from $1073 to $529 during the underwriting process. They were tweaking section F and G based on the paperwork I was submitting but didn't expect them to adjust C.

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Jul 23, 2020 03:31 AM
324 Posts
Joined Jul 2016
sskumarsdJul 23, 2020 03:31 AM
324 Posts
Watermark is offering 2.625 with 3000 lender credits and $1500 loan origination fee.

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