Spin the wheel. That’s your Figure redraw rate.
At Figure, every new withdrawal is priced at that day's rates: published range 6.55% to 15.54%. You don't pick the day the roof leaks. Better runs your whole line off one rate, so a later draw isn't a fresh roll of the dice.
Published Figure APR range, June 2026. Illustrative: each spin lands somewhere in their real range.
- ✓ Takes about 180 seconds. Won't affect your credit score.
- ✓ Betsy™, our AI mortgage advisor, shops the best rates for you.
- ✓ Lock in one rate for every re-draw
★★★★ 4.2 Great · 2,009 reviews on Trustpilot · Nasdaq: BETR · NMLS #330511 · Equal Housing Lender
Why customers love Better Mortgage
4.2 ★★★★ Great · 2,009 reviews on TrustpilotThe 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
Remodeled with a HELOC
We needed to take out a Heloc loan to remodel our home and we were nervous about the process. Better Mortgage helped us through the process and were quick to fund. Our loan coordinator Chris Kmec was amazing and reached out to us when we had any questions and to update us on the status of the loan.
Shatee S., Better Mortgage customer · Trustpilot, Jul 2024
Funded in 10 days
Easy process. Home equity line of credit funded in 10 days that included 2 weekends.
Glenn F., Better Mortgage customer · Trustpilot, Apr 2026
Kept informed all the way
Excellent customer service from everyone during the initial review, application process, appraisal, and loan closing. It was a smooth transition and being able to have everyone keeping you informed all the way made this process pleasant. Thank you all for going the extra mile.
Shenetta F., Better Mortgage customer · Trustpilot, May 2026
Closed in under 30 days
Dyllon and Sanam were a great team to help close our escrow in fewer than 30 days. Dyllon coordinated all the paperwork that underwriting needed to approve our loan. He intervened when overlapping questions from underwriting were redundant. Sanam coordinated closing, including making sure our insurance was recorded.
Cynthia W., Better Mortgage customer · Trustpilot, Feb 2025
No surprises
After my initial inquiry. Got a call from Nick , he asked a few questions & connected me with Anthony who handles California. Anthony gave me all my options and broke down the numbers. Once I decided what was best for me, the HELOC process started. Inga McNair walked me through the Task process up to the Notary & closing process. I was very happy that there were NO SURPRISES!!!!!! Thank you!
Arturo G., Better Mortgage customer · Trustpilot, May 2026
Funded within 30 days
Robert L. ( Loan Officer) and Brieauna W. (Senior Processor) got things done quickly and I was able to close and got funded within 30 days! Super happy with the job that they did. Robert was always available to answer questions and provided guidance through out the process. Brieauna was very professional and kept us updated during the process. Better.com ‘s portal was extremely efficient and easy to navigate to upload required documents.
Vien L., Better Mortgage customer · Trustpilot, Jul 2024
Refi complete in 27 days
Highly competitive rates, highly competent team, 27 days elapsed time from the beginning until my refinance was complete. Excellent communication the whole way through and no surprises. Local Chicago area banks were not close in rate, costs or turnaround time.
Ray S., Better Mortgage customer · Trustpilot, Feb 2022
Refi in three weeks
This was the best refinance process EVER! Kaycie and Kyle were incredible. The Better platform also allowed me to lock in my rate when I wanted to and see my options on discount points LIVE. This is my favorite part about Better Mortgage. I was also able to refi in three weeks and Kyle kept everything moving fast and seemless. I will 100% use Better on all my future mortgages and refinances.
Courtney D., Better Mortgage customer · Trustpilot, Apr 2022
Saving $6,500 a year
I Refi my house with Low interest in the market, lower closings costs, I am very happy, with my new loan I save $6,500 annually, Thank you fir your excellent services
Enrique O., Better Mortgage customer · Trustpilot, Oct 2022
Beat 3 other lenders on rate
My husband and I refinanced though better mortgage for a lower interest rate. We had a great loan advisor and an easy experience. It was all online and we had someone come to our house for to sign the final paperwork. I did look around at better rates with 3 other companies and no one even got close to the rate we got!
Lina, Better Mortgage customer · Trustpilot, Oct 2022
No bait and switch
Great experience, very easy!! Better advertised a rate that was really competitive. I was afraid it would be a bait and switch, but I was wrong. We locked it in and it was smooth sailing throughout the whole process. I am a business owner, so I had to upload a lot of information, but they made it easy with their portal. We went from Application to Closing on a refi in just 3 weeks!
Clinton M., Better Mortgage customer · Trustpilot, Feb 2026
HELOC closed in 17 days
I was particularly impressed with the creativity Jamil used to demonstrate income that I had that the underwriters could accept. Other lenders did not take the time to do the proper evaluation of my finances and would not work with me to evaluate my finances and ability to pay. Better was able to process my application and fulfill my HELOC needs in just 17 days from start to finish.
Neil S., Better Mortgage customer · Trustpilot, Sep 2025
Your equity is sitting right there.
Lock one rate instead★★★★ 4.2 Great · 2,009 reviews on Trustpilot · Nasdaq: BETR · NMLS #330511 · Equal Housing Lender