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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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Jul 24, 2020 09:37 PM
127 Posts
Joined Jan 2016
kapujuJul 24, 2020 09:37 PM
127 Posts
Quote from vstypicals :
Anyone know if there is a waiting/grace period before I get my $2500 credit from Amex? I want to refinance again with another lender. =D
I'd like to know as well
Jul 24, 2020 09:40 PM
263 Posts
Joined Aug 2004
RajjJul 24, 2020 09:40 PM
263 Posts
To get the Loan Cabin LE, do you apply through their site? And do they do a hard pull for it? In the middle of the application there is an authorization to pull credit.
Jul 24, 2020 09:40 PM
1,224 Posts
Joined Nov 2011
ZwitterionJul 24, 2020 09:40 PM
1,224 Posts
Quote from kapuju :
Question about float down. I originally locked with better on 6/24. Since that time I have moved on my rate table and had them match a competitor but again my original lock was 6/24. How does float down work? Is it based off of what the published rates were on the day of lock Vs the day of float down? How would I check to see if I would be float down eligible based on the rates? Do I have to specifically request a float down? When is "too late" to do that? Thanks
This may not address you directly but I locked early on and Better was unable to match 2.625 on my rate sheet because when I locked, it wasn't even an option. So they dropped me to the lowest rate on my sheet and upped the lender credit to a point I was happy with. So I think they do base movement on the rate sheet you originally locked with.
Jul 24, 2020 09:43 PM
227 Posts
Joined Apr 2006
jazzman161Jul 24, 2020 09:43 PM
227 Posts
Quote from gk6740 :
How do you get title and taxes to reach $5k? Way more than what I have seen here and on ours.
Transfer taxes on section E are over $2k and I believe that's fixed. Title costs even with discount of refinancing within X years of the original mortgage came out $2.5k even with me using Radian as recommended here. So easily $5k just in those sections.

I would need pretty substantial credit to wash out those costs and I'm not getting it from lenders
Jul 24, 2020 09:47 PM
41,567 Posts
Joined Apr 2006
SDRebelJul 24, 2020 09:47 PM
41,567 Posts
Quote from Letsgogogo :
What's the best place to get an LE for an investment property?

I tried LC, aimloan, and hightechlending. Tried WM as well, but they are not that competitive.
did you end up finding anything? the rate for my rental is higher than what I refiannced to a couple of years ago...maybe because the market for rentals will turn sour?
Jul 24, 2020 10:01 PM
745 Posts
Joined Nov 2006
vstypicalsJul 24, 2020 10:01 PM
745 Posts
For those of you who have refinanced twice with Better.com, how long did you wait before reapplying again?
Jul 24, 2020 10:04 PM
41,567 Posts
Joined Apr 2006
SDRebelJul 24, 2020 10:04 PM
41,567 Posts
Quote from shahhere :
I've updated my second post in the master Mortgage thread
Shahhere
not sure how, but I had completely missed that thread. thanks for all the work

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Jul 24, 2020 10:31 PM
173 Posts
Joined Nov 2017
chen5317Jul 24, 2020 10:31 PM
173 Posts
Quote from jpell123 :
One of the "Tasks" that Better will have listed for you on your portal will be to enter the last 5 digits of your Amex card that you want the rebate applied to
Interesting. I've locked the rate and currently in the underwriting stage but haven't never seen that task. Does it come later or should it be early in the stage?
Jul 24, 2020 10:35 PM
7,938 Posts
Joined Apr 2013
rastaman32Jul 24, 2020 10:35 PM
7,938 Posts
Quote from chen5317 :
Interesting. I've locked the rate and currently in the underwriting stage but haven't never seen that task. Does it come later or should it be early in the stage?
This post shows it occurring towards the middle to end of the process.

https://slickdeals.net/forums/showpost.php?p=139050926&postcount=7234
Jul 24, 2020 10:39 PM
7,652 Posts
Joined Sep 2008
DogAndPonyJul 24, 2020 10:39 PM
7,652 Posts
Any chance the rates drop to 2.25% on 30 year by October? That is the only way this makes sense for me. Wondering if I should apply by tomorrow just in case.
Jul 24, 2020 10:45 PM
2,925 Posts
Joined Sep 2010
tayninhJul 24, 2020 10:45 PM
2,925 Posts
Just got another matching/beating rate from Better to LC

15-yr
2.375%
A=0
B=$614 (I'll ask them to remove the $550 appraisal fee later on as mentioned in previous posts)
C=$1,226

Lender credits $2,341
Amex $2,500

I think it's a good deal now. What you think?
Jul 24, 2020 10:53 PM
1,224 Posts
Joined Nov 2011
ZwitterionJul 24, 2020 10:53 PM
1,224 Posts
Quote from tayninh :
Just got another matching/beating rate from Better to LC

15-yr
2.375%
A=0
B=$614 (I'll ask them to remove the $550 appraisal fee later on as mentioned in previous posts)
C=$1,226

Lender credits $2,341
Amex $2,500

I think it's a good deal now. What you think?
Why do a 15-year when you can do a 30 year and pay it off like a 15-year? Take a phat lender credit and just pay it off in 15 years.
Jul 24, 2020 10:55 PM
1,224 Posts
Joined Nov 2011
ZwitterionJul 24, 2020 10:55 PM
1,224 Posts
Quote from jazzman161 :
Transfer taxes on section E are over $2k and I believe that's fixed. Title costs even with discount of refinancing within X years of the original mortgage came out $2.5k even with me using Radian as recommended here. So easily $5k just in those sections.

I would need pretty substantial credit to wash out those costs and I'm not getting it from lenders
What state is that? (So I remember to never move there!). My A+B+C+D in MD was $1010 all in.
Last edited by Zwitterion July 24, 2020 at 03:58 PM.
Jul 24, 2020 11:08 PM
2,925 Posts
Joined Sep 2010
tayninhJul 24, 2020 11:08 PM
2,925 Posts
Quote from Zwitterion :
Why do a 15-year when you can do a 30 year and pay it off like a 15-year? Take a phat lender credit and just pay it off in 15 years.
How much more of a credit do you think the 30 yr gonna give?

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Jul 24, 2020 11:11 PM
1,224 Posts
Joined Nov 2011
ZwitterionJul 24, 2020 11:11 PM
1,224 Posts
Quote from tayninh :
How much more of a credit do you think the 30 yr gonna give?
A lot depending on which rate you take. If you took a higher rate with a $6K lender credit for example and dumped all excess cash into your loan to kill principle and then agressively paid down, you'd come out ahead. When the spread between 15 and 30-year is a 0.25, why strangle yourself with a 15-year?

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