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Won’t affect your credit score

Homeownership starts here.

With low down payment options and more forgiving credit guidelines, FHA loans open the door for thousands of first-time buyers. Better helps you understand your options and move forward with confidence.

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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

Buying a home doesn’t have to feel out of reach.

Low down payment options
Get started with as little as 3.5% down if your credit score is 580 or higher. That means you can keep more cash on hand for moving, furnishing, or savings.
Flexible credit requirements
FHA loans are designed to help borrowers who may not meet the stricter credit standards of conventional loans.
Competitive interest rates
Because FHA loans are government-backed, lenders can offer more favorable rates and terms than many conventional options.
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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 veterans love Better Mortgage

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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 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.

5 min read

FHA loan requirements and perks for first-time home buyers

4 min read

FHA vs. Conventional loan: Which mortgage loan is best for you?

6 min read

What is an FHA loan: Who qualifies and how 
it works

See your rates for an FHA loan in minutes

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Better Mortgage Corporation is a private lender and is not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), or any other government agency.

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

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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, 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.

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