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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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Aug 04, 2020 01:52 AM
126 Posts
Joined Jun 2020
LetsgogogoAug 04, 2020 01:52 AM
126 Posts
Quote from pavan87 :
I received an offer of 2.5% with $5,400 in lender credit from Loan Cabin. Loan Amount of $510,400, 60% LTV, with 800+ FICO.

Loan Depot beat their offer slightly after submitting the Loan Cabin loan estimate. An apples to apples comparison with Loan Cabin is a 2.5% rate with $5,800 in lender credit.

Either option would end up with money in my pocket to go toward escrows.

I've submitted both to Better and hope they can match or beat it.
Are you from CA? And is this 30 year?
Aug 04, 2020 01:56 AM
458 Posts
Joined Mar 2008
lmc387Aug 04, 2020 01:56 AM
458 Posts
Quote from duasto :
Anyone have issues with TMS website?

I have recurring payment setup and works last month but this August 1st they still havent auto deduct it? Its already Aug 3. Should i call them or its just happened Aug 1st was Saturday.

I thought I had mine set up (this would be the first month) but it didn't pull. So I paid manually this morning and it doesn't show in transaction history but did receive a confirmation email. Not sure what the deal is.
Aug 04, 2020 01:59 AM
707 Posts
Joined Dec 2013
duastoAug 04, 2020 01:59 AM
707 Posts
Quote from lmc387 :
I thought I had mine set up (this would be the first month) but it didn't pull. So I paid manually this morning and it doesn't show in transaction history but did receive a confirmation email. Not sure what the deal is.
I'll wait mine tomorrow just to make sure they dont pull it twice and i will call it to confirm it.

It's weird they haven't pull it. Maybe problem on the system? Normally it should be pull before or after the weekend.
Aug 04, 2020 02:23 AM
515 Posts
Joined Oct 2012
Deals_bobAug 04, 2020 02:23 AM
515 Posts
Guys - can you tell me if better.com charge $550 in appraisal to lock the rate even with amex offer? Thats what they told me. I do have amex offer and email saying free appraisal. The better LO mentioned that they will refund once I close the mortgage in 8 to 10 days. This was 2 weeks ago.

Thanks!!
Aug 04, 2020 02:27 AM
3,569 Posts
Joined May 2006
soobaerodudeAug 04, 2020 02:27 AM
3,569 Posts
Quote from Deals_bob :
Guys - can you tell me if better.com charge $550 in appraisal to lock the rate even with amex offer? Thats what they told me. I do have amex offer and email saying free appraisal. The better LO mentioned that they will refund once I close the mortgage in 8 to 10 days. This was 2 weeks ago.

Thanks!!
I locked this past Friday with the amex offer without any appraisal charge. It's not even on my loan estimate.
Aug 04, 2020 02:29 AM
515 Posts
Joined Oct 2012
Deals_bobAug 04, 2020 02:29 AM
515 Posts
Is it possible for better.com to remove appraisal amount from loan estimate? They added $550 appraisal to my loan estimate, and mentioned it will be refunded in 8 to 10 days of closing. And actually Charged my Amex card $550.
Last edited by Deals_bob August 3, 2020 at 07:33 PM.
Aug 04, 2020 02:30 AM
515 Posts
Joined Oct 2012
Deals_bobAug 04, 2020 02:30 AM
515 Posts
Quote from soobaerodude :
I locked this past Friday with the amex offer without any appraisal charge. It's not even on my loan estimate.
Thanks much for confirming.

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Aug 04, 2020 02:31 AM
79 Posts
Joined Oct 2005
pavan87Aug 04, 2020 02:31 AM
79 Posts
Quote from Letsgogogo :
Are you from CA? And is this 30 year?
I'm in Texas. Yes, that's for a 30 year mortgage.
Aug 04, 2020 02:36 AM
6 Posts
Joined Jun 2011
bakelandAug 04, 2020 02:36 AM
6 Posts
Should I lock with Better right away or is it better to wait for competing offers?

Thanks!
Aug 04, 2020 02:42 AM
2,853 Posts
Joined Jun 2008
KaatuPaadiAug 04, 2020 02:42 AM
2,853 Posts
I closed with better last week as i was in a hurry. 2.75 with 2500 closing.
Can i refinance before I get the amex credit???.. I guess i can do 2.5 with Loan depot or something with no closing cost..

Do I have to wait for the Amex credit to show up??
Aug 04, 2020 02:52 AM
3,151 Posts
Joined Jun 2007
nicemannAug 04, 2020 02:52 AM
3,151 Posts
Quote from bakeland :
Should I lock with Better right away or is it better to wait for competing offers?

Thanks!
It seems they are more willing to compete after locking a rate.
Aug 04, 2020 03:21 AM
6 Posts
Joined Jun 2011
bakelandAug 04, 2020 03:21 AM
6 Posts
Quote from nicemann :
It seems they are more willing to compete after locking a rate.
nicemann,
thanks for your help!
Aug 04, 2020 03:50 AM
60 Posts
Joined May 2020
arleylAug 04, 2020 03:50 AM
60 Posts
Quote from duasto :
Anyone have issues with TMS website?

I have recurring payment setup and works last month but this August 1st they still havent auto deduct it? Its already Aug 3. Should i call them or its just happened Aug 1st was Saturday.
I have had issues. I setup schedule payments and dont see it scheduled. I called them and the rep assured me the payment would go through
Aug 04, 2020 04:49 AM
127 Posts
Joined Jan 2016
kapujuAug 04, 2020 04:49 AM
127 Posts
Quote from Shopper.hunter_788 :
Any lender credits above the closing costs are forfeited, this does not come back to you as extra cash. The only time you'll get cash in a non cash out refi is when your loan amount exceeds the payoff and closing costs by any amount under $2k.
This isn't true. You should get it back up to $2000. I closed Saturday and it specifically says "cash to close to borrower". During closing I had to give them a voided check so they can wire the funds to me. Said I should receive it in about a week.
Last edited by kapuju August 3, 2020 at 09:52 PM.

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Aug 04, 2020 06:25 AM
432 Posts
Joined Oct 2007
GamutAug 04, 2020 06:25 AM
432 Posts
Quote from nicemann :
It seems they are more willing to compete after locking a rate.
That they are. I sent a LE before locking and Better came back thousands more.

Locked last week and sent in another nearly identical LE (from a different lender I've been shopping) and now Better came back on par.

2.50%, 30 yr, 79% LTV, ~270K, no escrow

A+B+C (D) = $1100
E+F = $480
$375 lender credit

Total cost = $1205 - $2500 AMEX = $1300 profit

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