1. Better Mortgage Corporation (“Better Mortgage”) is offering qualified customers (“Customers”) who have, at any time since January 1, 2019, closed on, or who, going forward, close on a (i) residential mortgage loan for a purchase or refinance of a primary residence, second home or investment property; (ii) a home equity line of credit (a “HELOC”); or (iii) a home equity loan  (a “HELOAN”) with Better Mortgage (the “Initial Loan”), a waiver of the $995 origination fee (the “Fee”) associated with the closing of any and all future purchase or refinance of a single-family primary residence, second home or investment property with Better Mortgage (the “Subsequent Loan”) (collectively, “The Offer”). 

2. The Offer 

1. To be eligible for The Offer, Customers must: 

1. Be a U.S. citizen, permanent resident or non-permanent resident (certain non-visa categories only) who have, at any time since January 1, 2019, or who, at any time going forward, close on the Initial Loan with Better Mortgage in a state where Better Mortgage is licensed to originate mortgage loans; 

2. Have either previously and successfully closed on, or who successfully close on the Initial Loan with Better Mortgage;  

3. Apply for the Subsequent Loan directly to Better Mortgage on or after the Effective Date; 

4. Successfully close on the Subsequent Loan with Better Mortgage on or after the Effective Date. 

2. The Offer shall become effective as of January 22, 2025 (the “Effective Date”). Better Mortgage may Terminate The Offer at any time, in its sole discretion, and without notice. Upon terminating The Offer, Better Mortgage will update these terms and conditions to reflect such termination date. Effective immediately upon the termination date for The Offer, Customers will no longer be eligible for The Offer and therefore will not receive a waiver of the Fee associated with the closing of any future loan.  

3. The Fee 

1. Better Mortgage will provide Customers who meet all eligibility criteria for The Offer with a waiver of the Fee associated with the closing of the Subsequent Loan. The waiver of the Fee will be provided to Customers by Better Mortgage via lender paid credits to offset the Fee amount. The Fee does not include discount points associated with the Subsequent Loan.  

4. The Subsequent Loan 

1. For the avoidance of doubt, the Subsequent Loan may not be a HELOC or HELOAN.  

2. While The Offer remains in effect, The Offer is available for any and every Subsequent Loan closed on or after the Effective Date. 

3. Customers who close on a refinance for the Subsequent Loan, in which the Subsequent Loan is a refinance of the same mortgage loan for the same subject property closed on for the Initial Loan, must close on the Subsequent Loan on a date that is at least six (6) months after the close of the Initial Loan to be eligible for the Offer. For the avoidance of doubt, Customers who close on a refinance for the Subsequent Loan, in which the Subsequent Loan is a refinance of the same mortgage loan for the same subject property closed on for the Initial Loan, within six (6) months of the close of the Initial Loan, will not receive a waiver of the Fee associated with the closing of such loan.  

4. Customers who apply for the Subsequent Loan through a third party (e.g., LendingTree) will be ineligible for the Offer.  

5. Better Mortgage is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580. 

BETTER MORTGAGE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, PROMOTIONS AND BENEFITS AT ANY TIME WITHOUT NOTICE. Rates and Terms are subject to change at any time without notice and are subject to state restrictions. Better Mortgage Corporation, 1 World Trade Center, 80th Floor, New York, NY 10007. Tel: 888-501-3186, Fax: 408-946-0112, is licensed by the Department of Business Oversight under the California Finance Lender Law License No.6052748, NMLS # 330511. (www.nmlsconsumeraccess.org)