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We’ve built technology to streamline the lending process, making it cheaper (and faster) for us to make the loan which means we can then pass savings on to you.
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Digital HELOC

Apply online. Fast approval.
  • Unlock a $50k-$500k line of credit

  • Access up to 90% of property value2

  • Available for primary, second, and investment homes

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  • We'll match any qualifying competitor's offer1

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  • Designed for the busy modern life

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We needed to make an offer the next day. Better made it happen.

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Don’t just auto-renew. We’ll do the work, you save big.
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Match with a local expert attorney to help with negotiations, Closing, and more.
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The tools you need to make that next step

Use our mortgage calculator to estimate your monthly payments, including key factors like homeowners association fees, property taxes, and private mortgage insurance.

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We did the math on the next 30 years. It was cheaper to own.

“
We needed to make an offer the next day. Better made it happen.

En route to a hike, Shaina and Tessa unexpectedly stumbled upon their dream home, not at all ready to make an offer.

Just 17 hours later, they applied for a loan online with Better Mortgage, put in a bid, and the home was theirs.

“
We did the math on the next 30 years. It was cheaper to own.

When Mateo and Alejandra first saw their neighborhood, it was a dirt field.

One year later, their newly constructed home was finished, and Better Mortgage beat every single one of the incentives offered by the builder’s lender.

Look Before You Lock:
Why Rates Matter

    Almost half of all homebuyers don’t compare mortgage lenders before locking a rate. But small rate differences can add up to big savings.

    Look at rates today

    What’s a Good DTI for a Home Loan?

      When you apply for a mortgage, the top three things lenders look at are your income, your credit score, and your debt-to-income ratio, or DTI.

      Read more

      Understanding Your Down Payment

        Housing prices are rising across the country, and low down payment mortgages make it easier for homebuyers to enter the housing market.

        Read more
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        1See Better Price Guarantee Terms and Conditions.

        2See terms at better.com/claims

        3Maximum LTV dependent on borrower eligibility.

        4Better Mortgage’s One Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Better Mortgage within 4 hours of locking a rate on a mortgage loan the opportunity to receive an underwriting determination from Better Mortgage within 24 hours of their rate lock. The underwriting determination is subject to customary terms, including fraud and anti-money laundering checks, that take place pre-closing and which may trigger additional required documentation from the customer. Better Mortgage does not guarantee that initial underwriting approval will result in a final underwriting approval. See One Day Mortgage Terms and Conditions at better.com/with/one-day-mortgage-terms


        © 2025 Better Home & Finance Holding Company and/or its affiliates. Better is a family of companies. Better Mortgage Corporation provides home loans; Better Real Estate, LLC and Better Real Estate California Inc License # 02164055 provides real estate services; Better Cover, LLC sells insurance products; and Better Settlement Services provides title insurance services; and Better Inspect, LLC provides home inspection services. All rights reserved.

        Home lending products offered by Better Mortgage Corporation. Better Mortgage Corporation is a direct lender. NMLS #330511. 1 World Trade Center, 80th Floor, New York, NY 10007. Loans made or arranged pursuant to a California Finance Lenders Law License. Not available in all states. Equal Housing Lender. NMLS Consumer Access

        Better Real Estate, LLC dba BRE, Better Home Services, BRE Services, LLC and Better Real Estate, and operating in the State of California through its wholly owned subsidiary Better Real Estate California Inc., is a licensed real estate brokerage and maintains its corporate headquarters at 325-41 Chestnut Street, Suite 826, Philadelphia, PA 19106. Here is a full listing of Better Real Estate, LLC’s license numbers. Better Real Estate, LLC provides access to real estate brokerage services via its nationwide network of partner brokerages and real estate agents (“Better Real Estate Partner Agents”). Equal Housing Opportunity. All rights reserved.

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        Better Settlement Services, LLC. 325-41 Chestnut Street, Suite 803, Philadelphia, PA 19106.

        Homeowners insurance policies are offered through Better Cover, LLC, a Pennsylvania Resident Producer Agency. License #881593. 325-41 Chestnut Street, Suite 807, Philadelphia, PA 19106.

        Insurance quotes and policies are offered through Better Cover, LLC. A Pennsylvania Resident Producer Agency. License #881593. Here is a full listing of Better Cover, LLC’s license numbers.

        Better Inspect, LLC maintains its corporate headquarters at 325-41 Chestnut Street, Suite 846, Philadelphia, PA 19106.

        Better Mortgage Corporation, Better Real Estate, LLC, Better Settlement Services, LLC, Better Cover, LLC, Better Connect, LLC dbs Better Attorney Match, and Better Inspect, LLC are separate operating subsidiaries of Better Home & Finance Holding Company. Each company is a separate legal entity operated and managed through its own management and governance structure as required by its state of incorporation, and applicable and legal and regulatory requirements. Products not available in all states.

        Any unauthorized use of any proprietary or intellectual property is strictly prohibited. All trademarks, service marks, trade names, logos, icons, and domain names are proprietary to Better Home & Finance Holding Company. Better Home & Finance Holding Company trademarks are federally registered with the U. S. Patent and Trademark Office. Better Cover is a registered trademark with the U.S. Patent and Trademark Office and is owned by Better Cover, LLC.

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