$750K sitting on the table.

Tap up to $750,000 of your equity — keep your existing mortgage.⁴

✓ Pre-approved in as little as 180 seconds
✓ Draw from your line as you need it
✓ Keep your existing mortgage⁴

Get pre-approved in as little as 180 seconds

Take what's yours

Won't affect your credit score. Nearly 8 out of 10 applicants get approved.¹

★★★★ 4.2 Great · 2,001 reviews on Trustpilot

WSJ · Motley Fool · CNBC · Forbes

Nasdaq: BETR · NMLS #330511 · Equal Housing Lender

Why customers love Better Mortgage

4.2 ★★★★ Great · 2,001 reviews on Trustpilot

The ease is unbeatable

When I started looking at HELOC options I went to my local branch and was quickly overwhelmed with the process. I decided to try Better since I read all the good reviews and am happy I did. Better needs the exact same information that my other bank did, but the ease of providing information is unbeatable. I was able to apply and provide all required documentation via the same site. The dashboard was very simple to use.

Damaris A., Better Mortgage customer · Trustpilot, May 2026

Easy from start to finish

The experience really was easy from start to finish. I never was confused about what the next steps were or what to expect. I felt great throughout the whole process. I would highly recommend this to anyone looking to take out a heloc.

Jonathan, Better Mortgage customer · Trustpilot, May 2026

All-digital process

Better is great! Helped with a Heloc; all digital process except signing closing papers. Website helped with knowing where you are in process at all times! My contact team was great!

Michael W., Better Mortgage customer · Trustpilot, Apr 2026

5 min read HELOC vs. home equity loan: which is right for you? Read more → 6 min read How HELOC payments work: draw periods, repayment, and penalties Read more → 5 min read HELOC pros and cons: what to weigh before you borrow Read more → 4 min read Essential HELOC requirements for approval Read more →

Frequently asked questions

Does a HELOC affect my existing mortgage rate?

Not at all. A HELOC is a second, separate lien on your property. Your first mortgage, including its rate, term, and monthly payment, is completely untouched. This is the primary reason homeowners with sub-4% rates choose a HELOC over refinancing.

Will checking my rate affect my credit score?

No. Better uses a soft credit pull to show you your rate options. There's no impact to your score until you formally submit an application and consent to a hard pull.

How much of my home's equity can I actually access?

Up to 90% of your home's value, minus what you still owe on your mortgage.

What if I don't use the full credit line?

You owe nothing on the unused portion. Interest accrues only on what you've drawn. Opening a $200,000 HELOC and drawing $50,000 means you're paying interest on $50,000, not $200,000.