Offer Dates Extended

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Unlock even more as an eligible American Express® Card Member with an exclusive mortgage offer from Better Mortgage.

Better Mortgage is making the home buying and refinance experiences more rewarding, with a $2,000 or $6,000 statement credit and more, exclusively for eligible Card Members. Terms Apply.1,2,3


Click Get Started or call Better Mortgage at 877-688-3252 to learn more about this offer. To be eligible for the statement credit, lock your rate by 4/4/24 and close by 7/8/24.1,2,3

Explore offer details for eligible American Express Card Members provided by Better Mortgage: 

Statement Credit Icon

$2,000 Statement Credit


Get a $2,000 American Express statement credit after you refinance or finance your home purchase with a conforming mortgage from Better Mortgage.1,2,3


$6,000 Statement Credit


Get a $6,000 American Express statement credit after you refinance or finance your home purchase with a jumbo mortgage from Better Mortgage.1,2,3


Learn more about Conforming and Jumbo mortgages here.

Concierge Expert

Dedicated Assistance Along the Way


Better Mortgage’s dedicated concierge team, developed exclusively for American Express® Card Members, is available to guide you through all key milestones.1,4

Offer is only available for properties with addresses in the states listed below.1

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When you finance your home purchase or refinance with Better Mortgage, you’ll have access to their suite of benefits, such as:

Competitive Rates Icon

Competitive Rates


Get a competitive and transparent rate. 

No fees for Originating your Home Loan Icon

No fees for Originating your Home Loan


Pay no application, origination, underwriting, processing or commission fees. Other fees apply including an appraisal fee when you lock your rate.5

Digital Application Icon

Digital Application


Apply through a fully digital process—with friendly support from Better if you need it.

Click Get Started or call Better Mortgage at 877-688-3252 to learn more about this offer. To be eligible for the statement credit, lock your rate by 4/4/24 and close by 7/8/24.1,2,3

There may be other mortgage offers or financial tools available to American Express Card Members.

Log in to your account now to explore if additional offers are available.

Terms and Conditions 


Effective as of : 7/13/2022


1. Offer Terms 

The mortgage loan and mortgage services (including offer benefits) are provided exclusively by Better Mortgage Corporation, and are not provided, underwritten or serviced by American Express. This offer does not constitute an endorsement or recommendation of Better Mortgage or its mortgage services by American Express. American Express is not responsible for any of the activities of Better Mortgage.  American Express’ responsibility is limited to posting the statement credit based on the data it receives from Better Mortgage. 

Better Mortgage is solely responsible for making all credit and lending decisions including determining whether the mortgage loan meets offer eligibility requirements and the statement credit amount.  For questions, please call Better Mortgage at 877-688-3252. American Express does not control mortgage lenders’ rates or fees, and this offer should not be relied on as the sole basis for determining the cost of your mortgage. Mortgage rates will vary by lender and you should shop around for the rate that is best for you. 


This offer is not a commitment to lend, nor a guarantee that you will be approved for a mortgage from Better Mortgage. Offer only available on conforming or jumbo purchase or refinance loans. 


This offer may be modified or revoked in whole or in part at any time. The effective date set forth at the top of this document indicates when these Terms and Conditions were last updated. 


This offer is only available for mortgages on properties located in the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Jersey, New York, New Mexico, North Carolina, North Dakota, New Hampshire, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming, and Washington, DC. 


2. Card Member Eligibility

This offer is only available to basic account holders of a personal consumer American Express Card, issued by a U.S. banking subsidiary of American Express (“eligible Card Members”), that meet the following requirements:

a. Access the offer:

i. Prior to 4/4/24 (the “Lock Rate-By Date”), create an account with Better Mortgage by either: clicking the “I’m purchasing” or “I’m refinancing” link on; or

ii. If you have already created an account with Better Mortgage, contact your Better Mortgage Loan consultant or call (877-688-3252) to request the offer prior to your loan closing; and

b. Lock your rate on a Better Mortgage loan application by the “Lock Rate-by-Date”, at which point an appraisal fee is charged; and 

c. Qualify for and successfully close your mortgage loan with Better Mortgage by 7/8/24 (the “Close-by-Date”). 


Offer cannot be retroactively applied to previously closed loans. This offer is not available to: Additional Card Members or holders of American Express Corporate Cards, Small Business Cards, Prepaid Cards and products, and American Express-branded cards or account numbers issued by other financial institutions.


3. Statement Credit

To receive the statement credit, the eligible Card Member must be a borrower or co-borrower(s) on the loan application and enter their own 15-digit card number when prompted by Better Mortgage. The card account must not be in a cancelled status at the time the statement credit is applied.


Card Members will not receive a statement credit if their mortgage: (1) closes after 7/8/24 “Close-by-Date” for any reason, including delays caused by events out of their control;  (2) is not successfully funded; or (3) is for a property in a non-qualifying state.


Better Mortgage, in its sole discretion, will determine the statement credit amount ($2,000 for a conforming loan OR $6,000 for a jumbo loan) at loan closing. American Express will post the statement credit based on the data it receives from Better Mortgage. These statement credits are limited to one per mortgage loan and cannot be combined with any other promotions, discounts or offers. Only one statement credit per property within a six-month period.


Not all loans will qualify. To learn more about conforming and jumbo home loans, call Better Mortgage at 877-688-3252 or click here.


The statement credit will be applied to an eligible Card Member’s account 8-12 weeks after their mortgage loan is funded. There may be situations where Better Mortgage needs to contact the Card Member to confirm details related to statement credit fulfillment. In these cases, there may be a delay in applying the statement credit to the account if Better Mortgage is unable to reach the Card Member in a timely manner. The value of the statement credit may be taxable income for Card Members, and they are responsible for any federal, state or other taxes resulting from this offer. Card Members should consult a tax advisor with any questions about the tax treatment of statement credits. 


The statement credit will not count as a payment towards your Minimum Payment Due, and you must pay your Minimum Payment Due in full by your due date. 


4. Dedicated Concierge

Eligible Card Members will be able to supplement their online, digital loan application and closing process, available through Better Mortgage’s website, with a dedicated concierge, assigned following pre-approval (or at the time the Card Member calls 877-688-3252 to request it), who will be their primary point of contact and provide assistance throughout the loan application process. Other Better Mortgage team members may contact the Card Member on an as-needed basis.


5. Better Mortgage Fees

Better Mortgage does not charge application, origination, underwriting, processing or commission fees. Other costs and fees will apply, including the appraisal fee required to lock your rate.


Better Mortgage is an Equal Housing Lender. As prohibited by federal law, Better Mortgage does not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers Better Mortgage’s compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.


BETTER MORTGAGE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, PROMOTIONS AND BENEFITS AT ANY TIME WITHOUT NOTICE. Mortgage rates and terms are subject to change at any time without notice and are subject to state restrictions. Better Mortgage Corporation, 3 World Trade Center, 175 Greenwich Street, 59th Floor, New York, NY 10007. Tel: 888-501-3186, Fax: 408-946-0112, is licensed by the Department of Business Oversight under the California Finance Lender Law License No.6052748 , NMLS # 330511 (


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