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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 25, 2020 01:27 PM
908 Posts
Joined Nov 2017
gk6740Jul 25, 2020 01:27 PM
908 Posts
Quote from m_mnc :
Funded - 10-June and credit received on AMEX July-25 but credit shows statement start which is July-8
What do you mean by "statement start"?
Jul 25, 2020 02:00 PM
22 Posts
Joined Jul 2020
michiganwolves50Jul 25, 2020 02:00 PM
22 Posts
Quote from wearelai :
Better's initial offer for us was pretty terrible. I guess they really do make you shop around and get them to match.

Time to look into Loan Cabin -- does their Credit Authorization Agreement do a hard-pull or soft-pull?
Wearlai- Likewise. I applied with Better and they gave me a terrible rate quote. I went to Loan Cabin and they gave me a good deal up front and did not drag me through the non sense games. During the application process they do ask you if you want them to run your credit and it is a hard pull. Although, if you are worried about that email them and they will give you a rate quote based off your loan and if it looks attractive there is your answer. They do not charge any lender fees so its pretty cut and dry. Hope this helps.
Jul 25, 2020 02:09 PM
598 Posts
Joined Jan 2008
vulcanboltJul 25, 2020 02:09 PM
598 Posts
Any one closed with Loan Cabin or water mark so far? Watermark also looks like they will service the loan after close. Atleast that is what is in my LE they sent
Jul 25, 2020 02:10 PM
598 Posts
Joined Jan 2008
vulcanboltJul 25, 2020 02:10 PM
598 Posts
Quote from michiganwolves50 :
Wearlai- Likewise. I applied with Better and they gave me a terrible rate quote. I went to Loan Cabin and they gave me a good deal up front and did not drag me through the non sense games. During the application process they do ask you if you want them to run your credit and it is a hard pull. Although, if you are worried about that email them and they will give you a rate quote based off your loan and if it looks attractive there is your answer. They do not charge any lender fees so its pretty cut and dry. Hope this helps.
agree no nonsense with LC or even watermark except for the fees. If it wasn't for the AMEX credit, better would not be competitive
Jul 25, 2020 03:23 PM
41,567 Posts
Joined Apr 2006
SDRebelJul 25, 2020 03:23 PM
41,567 Posts
Quote from wighty :
A little jealous of all of your offers. Already mostly through refinancing with my current lender to try and save on state recording taxes (~$3000). Better.com rates are pretty crappy for me compared to even my current lender, not sure I want to go through the effort of price matching if everyone is getting denied.
There's almost no effort required on your part but potentially a huge gain..up to you, of course
Jul 25, 2020 03:24 PM
41,567 Posts
Joined Apr 2006
SDRebelJul 25, 2020 03:24 PM
41,567 Posts
Quote from dealer89 :
2 days
How did you deal with having the loan with better/TMS and not having made payments to the new mortgage yet, etc?
Jul 25, 2020 03:26 PM
1,549 Posts
Joined Aug 2012
HarryS4062Jul 25, 2020 03:26 PM
1,549 Posts
Quote from micky_d :
I am not sure about the details, but I would go with someone who is giving me everything upfront. And I think you are in similar boat as mine where Costco's rate and lender credits were far more attractive than Better's option even after 2500 Amex credit. I already locked with Costco, plus the person I was working with was very professional, responsive and someone who really wants to make it work. That I didn't see coming out of Better guys, they actually lied over phone and didn't honor the deal on paper. So it was an easy decision for me. Always trust your instincts man.
Quote from michiganwolves50 :
Wearlai- Likewise. I applied with Better and they gave me a terrible rate quote. I went to Loan Cabin and they gave me a good deal up front and did not drag me through the non sense games. During the application process they do ask you if you want them to run your credit and it is a hard pull. Although, if you are worried about that email them and they will give you a rate quote based off your loan and if it looks attractive there is your answer. They do not charge any lender fees so its pretty cut and dry. Hope this helps.
In the loan origination game,. it boils down to cold hard money and people will try to get yours by being nice...a.k.a. good customer service. If you want the best deal you have to do your homework, play the game and not mind the poor customer service. It is after all only for the duration of 30 days or so that will be "rough" in terms of negotiating, bargaining, staying on top, etc. If the payback is not worth your time, sure, go for the "upfront" pricing bundled with really nice customer service.

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Jul 25, 2020 03:28 PM
1,549 Posts
Joined Aug 2012
HarryS4062Jul 25, 2020 03:28 PM
1,549 Posts
Quote from SDRebel :
How did you deal with having the loan with better/TMS and not having made payments to the new mortgage yet, etc?
Better will take care of that. There will be an extra task where CoreLogic (third party that does a lot of things like paying taxes, verifying payoffs, etc) will conference with you and your previous (paid off lender) to verify that the payoff has been done (even if Better Settlement Serice paid it off this step will likely be needed). They will also request TMS to generate an off cycle statement if a regular one has not been generated yet that you will have to upload to show the new loan at TMS.
Jul 25, 2020 03:37 PM
41,567 Posts
Joined Apr 2006
SDRebelJul 25, 2020 03:37 PM
41,567 Posts
Quote from dsrb4u :
agree no nonsense with LC or even watermark except for the fees. If it wasn't for the AMEX credit, better would not be competitive
And the match. Without the match, besides the amex offer, their rates are really really bad. Not sure how they get customers
Jul 25, 2020 03:37 PM
418 Posts
Joined Dec 2005
MethodmanJul 25, 2020 03:37 PM
418 Posts
Applied 5/7
Closed on 6/3
Funded on 6/8
Applied 7/20
Received $2500 credit 7/21

Took my rate from 3.875% to 3.125% for the first refi. Now I'm getting ready to lock 2.625% no costs. The extra $2500 x 2 on top of the interest savings makes this the deal of the year for me.
Jul 25, 2020 03:39 PM
41,567 Posts
Joined Apr 2006
SDRebelJul 25, 2020 03:39 PM
41,567 Posts
Quote from HarryS4062 :
Better will take care of that. There will be an extra task where CoreLogic (third party that does a lot of things like paying taxes, verifying payoffs, etc) will conference with you and your previous (paid off lender) to verify that the payoff has been done (even if Better Settlement Serice paid it off this step will likely be needed). They will also request TMS to generate an off cycle statement if a regular one has not been generated yet that you will have to upload to show the new loan at TMS.
Thanks. I wonder if making a payment to TMS (even if it's not due for more than a month) helps facilitate the process
Jul 25, 2020 03:39 PM
853 Posts
Joined Aug 2004
dealkkJul 25, 2020 03:39 PM
853 Posts
quick question, i just accept offer but not sure which lender to go yet. at what point you cant' shop anymore?
Jul 25, 2020 03:40 PM
41,567 Posts
Joined Apr 2006
SDRebelJul 25, 2020 03:40 PM
41,567 Posts
Quote from dealkk :
quick question, i just accept offer but not sure which lender to go yet. at what point you cant' shop anymore?
Your question is too vague
Jul 25, 2020 03:46 PM
1,549 Posts
Joined Aug 2012
HarryS4062Jul 25, 2020 03:46 PM
1,549 Posts
Quote from SDRebel :
Thanks. I wonder if making a payment to TMS (even if it's not due for more than a month) helps facilitate the process
In my opinion its better to not make the payment to TMS until due date if you intend to refinance that loan. They even have 15 day grace period after due date that you can wait for if you are sure that there will be a payoff until it becomes a "hard" due date. It confuses the hell out of everyone when you make a payment in the month before the refinance. I have gone through it all and my advise is based on that.

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Jul 25, 2020 03:47 PM
41,567 Posts
Joined Apr 2006
SDRebelJul 25, 2020 03:47 PM
41,567 Posts
Quote from HarryS4062 :
In my opinion its better to not make the payment to TMS until due date if you intend to refinance that loan. They even have 15 day grace period after due date that you can wait for if you are sure that there will be a payoff until it becomes a "hard" due date. It confuses the hell out of everyone when you make a payment in the month before the refinance. I have gone through it all and my advise is based on that.
Thanks again

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