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.
9,826 Comments
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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
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
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.
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.
Are you able to get a re-issue rate for the title from Title365?
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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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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