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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 23, 2020 03:18 PM
166 Posts
Joined Dec 2010
nagraw4Jul 23, 2020 03:18 PM
166 Posts
Quote from npatel40 :
Wanted to share my details:

30yr $510,000 loan at 2.625% in Illinois.
A+B+C = $1324
$4414 in lender credits

Has anyone been able to do better or should I just take it?
Which lender?
Jul 23, 2020 03:19 PM
11,086 Posts
Joined Aug 2007
damnyouJul 23, 2020 03:19 PM
11,086 Posts
Quote from npatel40 :
Better matched from CIT Bank, which was cheapest in IL when I looked on zillow. Some headaches form them to get the LE, since they said they require a rate lock prior to LE. Their rate lock has a cost of $500 for appraisal. But I mentioned the 3 day rule to them and the reluctantly sent it over after some back and forth.
I would take it. Good luck
Jul 23, 2020 03:20 PM
10 Posts
Joined Jan 2012
npatel40Jul 23, 2020 03:20 PM
10 Posts
Quote from npatel40 :
Better matched from CIT Bank, which was cheapest in IL when I looked on zillow. Some headaches form them to get the LE, since they said they require a rate lock prior to LE. Their rate lock has a cost of $500 for appraisal. But I mentioned the 3 day rule to them and the reluctantly sent it over after some back and forth.
I will add that CIT bank has a pretty good offer if you open an account and can swing the deposit requirements. See below.

$525 Cash Back Offer!
$525 deposited into your CIT Bank account just for closing your new home loan with CIT Bank.

Relationship Benefits
Further reduce your mortgage rate with the following discounts:
.10% rate discount with 10% of the loan in new deposits
.20% rate discount with 25% of the loan in new deposits
Jul 23, 2020 03:26 PM
2,594 Posts
Joined Feb 2008
LeaninBack916Jul 23, 2020 03:26 PM
2,594 Posts
Quote from damnyou :
I think yours was a fairy tale experience with WM. I did all they required. Filled out the application, they ran the credit but they then just disappeared. Their LE was much different from the one I got unofficially from email. The rates did not change from 3% to 4% overnight but looking at their official LE( it took lots of email to get after providing all the information) was way different in costs for me as compared to initial email sent by the LO.

Please keep in mind that I am not complaining about the $1499 fee. It was there on both the versions. Their other fees which bamboozled me
I had the same exact experience with them. They disappeared.
Jul 23, 2020 03:31 PM
5,914 Posts
Joined Dec 2008
bluetrepJul 23, 2020 03:31 PM
5,914 Posts
yes, I live next to WM. but I still could not find them.

Quote from LeaninBack916 :
I had the same exact experience with them. They disappeared.
Jul 23, 2020 03:38 PM
554 Posts
Joined Jan 2013
hello3232Jul 23, 2020 03:38 PM
554 Posts
WM went from verbal 2.625 & 3k credit to 2.75 & 2k credit loan estimate. Claimed rates went up in a day, never got a chance to lock at 2.625
Jul 23, 2020 03:41 PM
279 Posts
Joined Sep 2007
fenix8o0Jul 23, 2020 03:41 PM
279 Posts
Since I locked my rate the communication has gone silent. I have a lower LE and sent it to Better. They also went ahead and ordered the title without warning me. I was going to shop around. I might end up withdrawing the app. Beware.

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Jul 23, 2020 03:45 PM
1,018 Posts
Joined Mar 2019
CycloneFWJul 23, 2020 03:45 PM
1,018 Posts
Quote from fenix8o0 :
Since I locked my rate the communication has gone silent. I have a lower LE and sent it to Better. They also went ahead and ordered the title without warning me. I was going to shop around. I might end up withdrawing the app. Beware.
It is unclear if you are referring to Better or some other lender, but just so you are aware, it is customary to order the title as soon as the "intent to proceed" is completed. Better has done so for me both times this year I've refi'd with them and loanDepot did too. Watermark and my local CU I never did the ITP, and they didn't get to the point of ordering the title.
Jul 23, 2020 03:54 PM
182 Posts
Joined Mar 2013
BabyDoll123Jul 23, 2020 03:54 PM
182 Posts
Quote from fenix8o0 :
Since I locked my rate the communication has gone silent. I have a lower LE and sent it to Better. They also went ahead and ordered the title without warning me. I was going to shop around. I might end up withdrawing the app. Beware.
Same here! Who is your LO? Zach?
Jul 23, 2020 03:57 PM
276 Posts
Joined Nov 2010
stoneheathJul 23, 2020 03:57 PM
276 Posts
Quote from npatel40 :
I will add that CIT bank has a pretty good offer if you open an account and can swing the deposit requirements. See below.

$525 Cash Back Offer!
$525 deposited into your CIT Bank account just for closing your new home loan with CIT Bank.

Relationship Benefits
Further reduce your mortgage rate with the following discounts:
.10% rate discount with 10% of the loan in new deposits
.20% rate discount with 25% of the loan in new deposits
What is CIT Bank's turnaround time to comeback with the official loan estimate?
Jul 23, 2020 03:58 PM
93 Posts
Joined Feb 2017
JasonC8362Jul 23, 2020 03:58 PM
93 Posts
Quote from npatel40 :
Wanted to share my details:

30yr $510,000 loan at 2.625% in Illinois.
A+B+C = $1324
$4414 in lender credits

Has anyone been able to do better or should I just take it?
That's really good. That would be ~3k in credits with 0 origin. That has to be a new record for a 2.625. Congrats. Unless rates drop further, that'll probably be a top 3 benchmark.
Jul 23, 2020 04:00 PM
276 Posts
Joined Nov 2010
stoneheathJul 23, 2020 04:00 PM
276 Posts
Quote from npatel40 :
Better matched from CIT Bank, which was cheapest in IL when I looked on zillow. Some headaches form them to get the LE, since they said they require a rate lock prior to LE. Their rate lock has a cost of $500 for appraisal. But I mentioned the 3 day rule to them and the reluctantly sent it over after some back and forth.
Was it Better that caused these headaches? What about CIT bank? Do they make a fuss about giving a LE by asking you to lock first?
Jul 23, 2020 04:00 PM
5,341 Posts
Joined Jul 2004
Gdog2004Jul 23, 2020 04:00 PM
5,341 Posts
so this was my final rate in PA--
180K loan
15 year fixed 2.5% --549 in lender credits
I have 800 plus credit...solid income/assets and tons of equity.
I closed on Tuesday...anything else I need to do to get my amex credit ? They didnt ask for anything at closing...but at some point during the process on the better.com website I had to provide the last 4 digits of my amex card.
Jul 23, 2020 04:03 PM
10 Posts
Joined Jan 2012
npatel40Jul 23, 2020 04:03 PM
10 Posts
Quote from stoneheath :
Was it Better that caused these headaches? What about CIT bank? Do they make a fuss about giving a LE by asking you to lock first?
yes CIT makes a fuss about giving you one.

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Jul 23, 2020 04:05 PM
276 Posts
Joined Nov 2010
stoneheathJul 23, 2020 04:05 PM
276 Posts
Quote from npatel40 :
yes CIT makes a fuss about giving you one.
What is this 3 day rule that you are talking about? Could you please elaborate?

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