Cut the s***. See your real rate.
Advertised rates aren't your rate. See yours in minutes — no credit hit.
- ✓ Your rate and your amount, personalized to you
- ✓ Soft check only. No credit impact
- ✓ Betsy™ finds the best rate for you
Get pre-approved in as little as 180 seconds
Show me my numberWon't affect your credit score. Nearly 8 out of 10 applicants get approved.1
★★★★ 4.2 Great · 2,001 reviews on Trustpilot
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You to lender. Nothing in between.
Rate-comparison sites don't lend money. They route your application to a lender and collect a referral fee that gets built into the rate you're quoted. Better is the lender.
| Better | Rate sites | |
|---|---|---|
| Role | Direct lender | Broker |
| Referral fee | $0 | Added to your rate |
| Max line size | $750K | $500K |
| Min credit score | 620+ | 680+ |
| Approval rate | 8 in 101 | Varies by lender |
Comparison is general; rate-comparison and marketplace sites vary. Not a quote or offer.
Why customers love Better Mortgage
4.2 ★★★★ Great · 2,001 reviews on TrustpilotNo 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.
Clinton M., Better Mortgage customer · Trustpilot, Feb 2026
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
Frequently asked questions
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's the difference between a HELOC and a home equity loan?
A HELOC (home equity line of credit) is a revolving credit line: draw what you need, when you need it, and pay interest only on what you use. A home equity loan gives you a lump sum upfront at a fixed rate. If you know exactly what you need, a home equity loan may be simpler. If costs are phased or uncertain, a HELOC is more flexible.
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.
Cut the s***. See your real rate.
Show me my number★★★★ 4.2 Great · 2,001 reviews on Trustpilot · Nasdaq: BETR · NMLS #330511 · Equal Housing Lender