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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 26, 2020 05:07 PM
106 Posts
Joined Nov 2007
bonosloveslaveJul 26, 2020 05:07 PM
106 Posts
Quote from sd72986 :
Did they hard pull your credit yet?
Not yet, unless it shows up under something other than Loan Cabin?
Jul 26, 2020 05:30 PM
3,151 Posts
Joined Jun 2007
nicemannJul 26, 2020 05:30 PM
3,151 Posts
Quote from BabyDoll123 :
My experience was the opposite. Once the rate was locked, they stopped communicating with re: the rate.
They flat our rejected my LE with a rate of 2.5% for a 30 year. $253k, LTV 79% with 800 FICO. Lender credits just covered the lender costs so it was nothing crazy. This was prelock for me so I just moved on.
Jul 26, 2020 05:46 PM
95 Posts
Joined Jun 2014
vijay_slickJul 26, 2020 05:46 PM
95 Posts
Quote from nicemann :
They flat our rejected my LE with a rate of 2.5% for a 30 year. $253k, LTV 79% with 800 FICO. Lender credits just covered the lender costs so it was nothing crazy. This was prelock for me so I just moved on.
Where did you get this quote from?
Jul 26, 2020 05:53 PM
175 Posts
Joined Nov 2016
sd72986Jul 26, 2020 05:53 PM
175 Posts
Quote from bonosloveslave :
Not yet, unless it shows up under something other than Loan Cabin?
Ok, thanks! LC is the only lender currently showing rates that are below my refinance trigger point right now.

I've watched a couple of other lenders and it seems that they have raised rates (despite rates actually dropping overall) after they became swamped with apps.

My suspicion is rates are going to continue to trend down, so I'd like to wait to do the better.com match as close as possible to 30 days out from my app. But I also don't want to lost the only lender I could really use to match at the moment.

Will see...

Thanks!
Jul 26, 2020 06:21 PM
69 Posts
Joined Dec 2009
dealshunter09Jul 26, 2020 06:21 PM
69 Posts
Got better to match 2.625 30 year with 5000 lender credit + 2500 amex
Jul 26, 2020 06:22 PM
1,127 Posts
Joined Oct 2008
ptmtctetpstmstcstestJul 26, 2020 06:22 PM
1,127 Posts
How long is WM taking to respond to their online application?

Have submitted online application a week ago and still waiting
Jul 26, 2020 06:27 PM
1,961 Posts
Joined Nov 2007
RhizzlebopJul 26, 2020 06:27 PM
1,961 Posts
I applied wednesday evening at Better, finished thursday and applied thursday to WM, LC, LD. LD was not completitive in my opinion. Both WM and LC indicated someone would reach out to me soon. I'm hoping they have something good to offer becasue betters rates are not good either. I'm at 75% LTV, home value 275K, 30 fixed with a goal of 2.75% or less with hopefully at least 2K in my pocket when ALL is said and done.

LD was not even close to that.

Im currently at 3.25% from May closing where I came out $1000 to the good overall.

Credit for me and my wife are 795-815 range.

Hoping WM and LC call me this week. I'm in South Carolina.

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Jul 26, 2020 06:29 PM
1,362 Posts
Joined May 2005
rsprayJul 26, 2020 06:29 PM
1,362 Posts
Quote from DogAndPony :
Got my app in last night just in case. I doubt rates will go down to 2.25% which is where they'd need to go in order for a refi to make sense for me
I hear ya, but that's what I said when I locked at 2.625%.... Smilie
Jul 26, 2020 06:52 PM
3,151 Posts
Joined Jun 2007
nicemannJul 26, 2020 06:52 PM
3,151 Posts
Quote from ptmtctetpstmstcstest :
How long is WM taking to respond to their online application?

Have submitted online application a week ago and still waiting
Did you do an actual application or submit the form for a rate estimate with WM? If you just did the form for a rate estimate contact one of their reps that is licensed for your state. Heck contacts two or three. So who responds the fastest and who is willing to work with the rate and fees. Then do the application with their link. I have made this suggestion a few times to save the waiting game with WaterMark. I had a loan estimate the same day I applied with the rep I emailed.
Jul 26, 2020 06:53 PM
515 Posts
Joined Oct 2012
Deals_bobJul 26, 2020 06:53 PM
515 Posts
Quote from dealshunter09 :
Got better to match 2.625 30 year with 5000 lender credit + 2500 amex
Cool. Is it 30 years? May I know the loan amount ? And is it after locked or before?
Jul 26, 2020 07:39 PM
1,127 Posts
Joined Oct 2008
ptmtctetpstmstcstestJul 26, 2020 07:39 PM
1,127 Posts
Quote from nicemann :
Did you do an actual application or submit the form for a rate estimate with WM? If you just did the form for a rate estimate contact one of their reps that is licensed for your state. Heck contacts two or three. So who responds the fastest and who is willing to work with the rate and fees. Then do the application with their link. I have made this suggestion a few times to save the waiting game with WaterMark. I had a loan estimate the same day I applied with the rep I emailed.

This is the link I tried : https://www.watermarkhomeloans.com/apply-now/


Don't see an option on their website to find the licensed reps for a state.
Jul 26, 2020 07:46 PM
3,151 Posts
Joined Jun 2007
nicemannJul 26, 2020 07:46 PM
3,151 Posts
Quote from ptmtctetpstmstcstest :
This is the link I tried : https://www.watermarkhomeloans.com/apply-now/


Don't see an option on their website to find the licensed reps for a state.
It's not on their site. You have to use the method I posted two days ago with NMLS search. It works well.
Jul 26, 2020 08:32 PM
7,652 Posts
Joined Sep 2008
DogAndPonyJul 26, 2020 08:32 PM
7,652 Posts
Quote from rspray :
I hear ya, but that's what I said when I locked at 2.625%.... Smilie
Haha. Well now we wait..at worst I take a slight hit to my credit
Jul 26, 2020 08:42 PM
1,127 Posts
Joined Oct 2008
ptmtctetpstmstcstestJul 26, 2020 08:42 PM
1,127 Posts
Quote from nicemann :
It's not on their site. You have to use the method I posted two days ago with NMLS search. It works well.
NMLS trick worked - found a few agents. Smilie

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Jul 26, 2020 08:48 PM
62 Posts
Joined Sep 2013
tough6guyJul 26, 2020 08:48 PM
62 Posts
Quote from dealshunter09 :
Got better to match 2.625 30 year with 5000 lender credit + 2500 amex
Can you please tell loan amount and ltv?

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