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Won’t affect your credit score

A home loan that honors your service

VA loans offer zero-down options, no PMI, and lower barriers to approval. Better’s AI-native technology and dedicated support are designed to help you get the most from every benefit you’ve earned.

$0 down

No PMI

Below-market rates

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Won’t affect your credit score

Home loans funded

entirely online

2025 Best

Online Lender

2026 Best for speedy

approvals and low fees

2025 Best for

Low Rates

Customers who saved


time and money

Better Mortgage VA loan benefits
Flexible eligibility requirements
VA loans have more lenient credit and income requirements compared to conventional loans, making them accessible to a wider range 
of borrowers.
No Private Mortgage Insurance
With Better Mortgage VA loans, you can avoid costly PMI payments, reducing your monthly expenses and increasing your borrowing power
No down payment.
Better Mortgage VA loans require no down payment, making homeownership more affordable for veterans and active-duty 
service members.
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Best Mortgage Lenders

of 2023

Best Mortgage Lender for

Affordability 2023

Best for All-in-One

Online Homebuying

$100B+

Home loans funded online

400,000+

Customers proudly served

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

Mateo & Alejandra | Better Mortgage customers

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Why customers love Better Mortgage

“

Digital and human

Better does an amazing job of using both digital services and human interaction to make even difficult loan requests easy.


Darren T., Better Mortgage Customer

“

“

Straightforward and seamless

Straightforward and seamless from start to finish. Rates on par with other major lenders and the dashboard tells you what tasks need completing.


Jennifer Rau, Better Mortgage Customer

“
“

Expedient, friendly, professional

Excellent mortgage lender experience! The process took about a couple of weeks total. Very expedient, friendly and professional. 


LC, Better Mortgage Customer

“

“

Design and human

Better does an amazing job of using both digital services and human interaction to make even difficult loan requests easy.


Darren T., Better Mortgage Customer

“

“

Straightforward and seamless

Straightforward and seamless from start to finish. Rates on par with other major lenders and the dashboard tells you what tasks need completing.


Jennifer Rau, Better Mortgage Customer

“

“

Expedient,friendly, professional

Excellent mortgage lender experience! The process took about a couple of weeks total. Very expedient, friendly and professional. 


LC, Better Mortgage Customer

“
5 min read

Credit score for VA loan: Minimum requirements for approval

Read more ->

4 min read

VA loan vs FHA: Key insights to make the right choice

Read more ->

6 min read

VA loan requirements: Eligibility and qualification

Read more ->

See your VA loan rates in minutes

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“
We did the math on the next 30 years. It was cheaper to own.
Mateo & Alejandra | Better Mortgage customers

Better Mortgage is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.

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© 2026 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.

Better BMC operates under the name Better Mortgage Corporation in New York.

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.

New York State Housing and Anti-Discrimination Notice

New York Standard Operating Procedures

Texas Real Estate Commission: Information About Brokerage Services | Consumer Protection Notice

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, 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.

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act