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Amex offer: $2,500 statement credit for home refinance Better.com

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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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This comment has been rated as unhelpful by Slickdeals users
Joined Jul 2006
Call me Mr. Deals
2,765 Posts
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#8056
Quote from Zwitterion
:
If you just missed the cutoff for a floatdown, I would call them up and ask to verbally speak with the closing expert and ask what can be done to accommodate the new rate - you are "confident" that you can close with a lower rate at this point but since you've invested time with Better, you'd like to stay with them and hope they feel the same in regards to time spent and the relationship you've built. A little goodwill from them would go a long way to keep you a loyal customer, and that you WILL be doing business again with them should they show some accommodation - you received the CDs the moment before the rate window revealed a lower rate.and the right thing to do what be to help you out a little bit. You know of several people who closed at your rate with significantly bigger lender credits, so you know they have some room.

I'd say something along those lines. At this point you have to appeal to emotion. These guys get paid on number of loans closed, so it's in their best interest to push to get a little sumtin' sumtin' for you, you know?

Yup, deff using the emotional angle and to be honest I am closing lol Smilie. Just want to use any leverage to push for a better deal thats all without starting over.


I've spent enough energy in re-learning the refi process and the PM games this time around and all the hoops with LEs and Title items I want to close and move on to greener pastures but just dont want to miss out on any other negotiation vantage points (FOMO).

Shahhere
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Joined Apr 2007
L3: Novice
324 Posts
78 Reputation
#8057
Quote from scorpioneyes
:
it wouldn't be double-counting. my LE states i'm being charged for something that should be waived. in addition to that, I've already paid for the appraisal. So in other words, I should get a refund towards my CC, and the the fee should be removed from the LE, which results in a closing cost less than the lender credit. I was just wondering what happens to that credit.
Ok, I see your point. You'll get the appraisal fee you paid refunded to your card since the appraisal was waived. But then you'll actually make $500 because the lender credit was higher than needed.

Yes, I believe you are correct. I assume the lender can not adjust the lender credit downward after the fact. But would be great for others to confirm. I am in the same situation.
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Joined Oct 2004
L5: Journeyman
540 Posts
110 Reputation
#8058
Quote from presto987
:
Ok, I see your point. You'll get the appraisal fee you paid refunded to your card since the appraisal was waived. But then you'll actually make $500 because the lender credit was higher than needed.

Yes, I believe you are correct. I assume the lender can not adjust the lender credit downward after the fact. But would be great for others to confirm. I am in the same situation.
This is how it was for me. Lender credit stayed the same.
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Joined Feb 2008
L1: Learner
9 Posts
10 Reputation
#8059
Quote from MAGAgal
:
This is how it was for me. Lender credit stayed the same.
I'm in the same boat - just got a task to confirm it will be refunded to my CC. My final disclosures i got yesterday still had the full Lender credit (and no line item for appraisal as did previous LE's)
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Joined Feb 2012
L3: Novice
190 Posts
22 Reputation
#8060
For people doing 2+ refi with Better.

Are you able to get a re-issue rate for the title from Title365?
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Joined Dec 2010
L6: Expert
1,329 Posts
328 Reputation
#8061
Quote from scorpioneyes
:
Can someone explain how lender credits apply if it is greater than closing costs? It's not extra money/refund back, correct?

Current LE:

ACEFG: $2200 + B $500 appraisal = $2700
Lender credit: $2700

I charged the appraisal on my CC the day I locked in and was told it would be refunded (AMEX deal). If my numbers are right, I should pocket $3000 net.

Do they remove the appraisal from LE at closing AND refund my CC? If so then it would be:

$2200 - 2700 credit = $500 refund check on top of $2500 bonus and $500 CC refund

Is this correct? My rate is the "lowest" on the rate sheet so I cannot apply the excess credit to buy down points. Thanks!

Thats exactly how it works. Around a week before closing you will get a task that just tells you they are refunding your Appraisal. On the closing disclosure there will not longer be an Appraisal fee listed. Just make sure you keep an eye on your CC refund. Mine didnt come in two weeks so I had to email better to check on it. After they checked on it I got it a few days later.
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Joined Nov 2013
Padawan
2,677 Posts
793 Reputation
#8062
Closed June 16th no credit yet. Anyone around the same date in the same boat? Or did you get it?
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Joined Nov 2004
L9: Master
5,684 Posts
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#8063
Quote from mrwhitewalker
:
Closed June 16th no credit yet. Anyone around the same date in the same boat? Or did you get it?
Haven't got my either.
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Joined Nov 2008
L3: Novice
163 Posts
86 Reputation
#8064
Does any one was able to negotiate for CA with better.com? It is 2.5% for 30 year but $14K points for 760K loan? Also better.com keep saying you need to have "email" saying you have qualified for $2500 amex credit.
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Joined Feb 2014
L7: Teacher
2,368 Posts
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#8065
I have been told by LO that Amex credit should show up on second statement after closing. It is actually the case for my first refi. Others can chime in.
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Joined Apr 2007
L3: Novice
324 Posts
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#8066
Quote from Ellicott
:
Does any one was able to negotiate for CA with better.com? It is 2.5% for 30 year but $14K points for 760K loan? Also better.com keep saying you need to have "email" saying you have qualified for $2500 amex credit.
If you get a competing LE that is better, they should be able to beat it.
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Joined Nov 2019
New User
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#8067
guys, I missed the boat on this one. Have a ~ 110k loan for 15yrs @3.25% credit scrore ~780, my first loan. I pay 1046 per monthly installament. - this is from caliber home and they sold it to fredie mac. loan started on mid Dec 2019

What are my options to make this better?
I have the money to repay a majority of the loan by breaking my stocks, but given the loan is getting cheaper, I am not going to do that.

It'd be good to see the math and lower this montly payment without paying extra.

I didn't use any points for this, Is it okay to use points? I might buy something again in the next 1-2 years.

It'd be good to hear your opinions about if and how I should refinance?
Thanks.
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Joined Mar 2013
L3: Novice
134 Posts
224 Reputation
#8068
Guys, Better insists I make my August mortgage payment to the current lender before I close with them. any idea why? Should I fight it?
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Last edited by BabyDoll123 August 7, 2020 at 10:47 AM.
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Joined Sep 2006
L3: Novice
132 Posts
38 Reputation
#8069
My appraisal was waived with Better.com after the lock and LE. I have lender credits that took care of all costs. Will I still get those credits?
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Joined Feb 2012
L3: Novice
190 Posts
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#8070
Quote from Ders
:
My appraisal was waived with Better.com after the lock and LE. I have lender credits that took care of all costs. Will I still get those credits?
The remaining will go towards your escrow.
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