Better Mortgage

Furnish, decorate, renovate

Pay back only what you spend at insanely low interest rates

The Better Home Line of Credit is built specifically to pay for everything from contractors and appliances to home furnishing — and it’s only for Better Mortgage customers.

Start your mortgage
Start your mortgage

Get pre-approved with Better Mortgage then ask your Home Advisor to learn more!

Loan provided by Notable Finance

Better Home Line of Credit

Traditional credit card

Traditional personal loan

8-8.5% APR¹

16.22% Average APR²

9.30-22.16% Average APR³

¹Pricing reflects 0.5% Autopay discount

The fast and easy way to upgrade your home

Pay interest only on 
what you spend

Get a line of credit of up to $50k. Use only what you need and pay zero interest on what you don’t.

Exclusive low interest rates

Our 8-8.5% APR makes credit card and personal loan rates look sky high.

Up to 50% back at home retailers

Earn up to 50% back toward your total balance at select home goods and hardware stores.

Applying won’t affect your mortgage

Apply in seconds without hurting 
your credit score or your mortgage application.

Bigger benefits. Half the interest.
See how the Better Home card stacks up against the average personal loan or credit card.
APR
Up to 50% back at select home stores
Only pay interest on what you spend
Apply without impacting your credit or mortgage
Better Home Line of Credit
8-8.5% APR
Credit Card
16.22% Average
Varies
Personal Loan
9.30-22.16% Average

Save thousands with up to 50% back on furniture, home decor, appliances, and even contractors.⁴

Save thousands with up to 50% back from select partners for all your home needs

We’ve joined forces with top home brands to give you big savings on home purchases like furniture, lighting, appliances, decor, and even contractors.

See all

Save thousands with up to 50% back from select partners for all your home needs

We’ve joined forces with top home brands to give you unheard-of savings on home purchses like furniture, lighting, appliances, decor, and even contractors.

See all

It takes just a minute to apply. Literally.

Use the same information from your Better Mortgage application to apply for the Better Home Line of Credit in 60 seconds flat.

Did you know?

A typical buyer spends over $10k after move-in

The costs of furnishing, painting, and decorating a new home can really add up. Throw repairs and replacements into the mix and you could end up spending a lot more than you planned.

front elevation
kitchen
dining room
1 of 3

Homeowners prefer the Better Home Line of Credit

"It's like Better read my mind! I was going to get a personal loan but I wouldn't have gotten anywhere near the same rate."

Michael

Better Home card carrier

"I didn't realize how quickly costs add up. This was way better than using a credit card."

Christian

Better Home card carrier

“Thank you so much for offering this product. I love the freedom and flexibility of only paying interest on what I spend.”

Melis

Better Home card carrier

Refinance and pay even less

At the end of your 9-month draw period, you can drop your interest rate by rolling your Better Home Line of Credit balance into a Better Mortgage refinance. You’ll lower your monthly payments and bundle both your home mortgage and line of credit payments into one.


Get a 3 minute pre-approval and talk to your Better Home Advisor when you’re ready.

FAQ

  • What is the Better Home Line of Credit provided by Notable Finance, LLC?

    The Better Home Line of Credit provided by Notable is a closed-end, unsecured loan up to $50,000, with up to 50% Cash Back Credit applied toward your loan balance at participating home goods and hardware stores, issued on a Better Home card for spending specifically on your new home. You can use up to your maximum loan amount but are under no obligation to use the entire amount. You only repay interest and principal on the amount you’ve borrowed during the initial draw period, and there are no prepayment penalties.
  • Which home retailers offer Cash Back Rewards?

    The following home retailers offer Cash Back Rewards applied to your loan balance: Angi (formerly Angie’s List): 5%; Backdrop: 20%; Caraway Home: 15%; Design Within Reach: 10%; Form Kitchens: 50% (off design services and 2% of additional services); Houzz Shop: 10% (up to $150); Inside Weather: 5%; Jonathan Adler: 5%; Lumens: $25 (off of $250+); Saatva: 5%; Signature Hardware: 5% (up to $100); SimpliSafe: 10%; Snowe: 10%; Modsy: 15% off services; The Shade Store: $100 (off of $500+).
  • Where can I spend my Better Home Line of Credit?

    The Better Home Line of Credit can be used at businesses that offer goods or services related to your home. Spend on appliances, home entertainment, hardware, and furniture or pay contractors for installations, renovations, and repairs. If your card is not accepted on a qualifying home-related purchase, provide an invoice or receipt to Notable, and they'll transfer the funds to your bank account.
  • Will applying impact my credit or mortgage application?

    Applying will have no impact on your credit score or Better Mortgage application. Notable will only run a soft credit check to approve you, which will not affect your credit score. Additionally, applying will have no affect on your debt to income ratio (DTI) because the loan is not approved until you close your mortgage, so it cannot affect your mortgage underwriting.
  • Am I eligible for the Better Home Line of Credit?

    The Better Home Line of Credit is available only to customers who closed a conforming or jumbo purchase or refinance loan from Better Mortgage in the past 30 days, with a debt to income ratio under 50% and a credit score 680 or above. Currently, The Better Home Line of Credit is available to buyers who purchase a home with Better Mortgage in the following states: Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Michigan, Missouri, Montana, Nebraska, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, South Dakota, Texas, Utah, Virginia, Washington, West Virginia, and Wyoming, as well as Washington D.C.
  • When can I apply for the Better Home Line of Credit?

    You can apply for the Better Home Line of Credit once your Better Mortgage reaches final underwriting through 30 days after your mortgage is funded.

Contact your Home Advisor to learn more

  1. See the Better Home Line of Credit Terms and Conditions
  2. Average credit card rates as of September, 2021 from creditcards.com
  3. Average credit card rates as of April 2021 from ValuePenguin
  4. Amounts will be accrued based on purchases from participating merchants. All such amounts will be applied to your monthly payments in the manner set forth in the Cash Back Program Terms and Conditions.
  5. Source: National Association of Home Builders

Notable is a direct lender dedicated to providing a fast, transparent digital lending experience backed by superior customer support. All rights reserved. © Notable Finance, LLC | 6 Landmark Sq, Fl 4, Stamford, CT 06901 NMLS #1824748. Notable is a registered trademark with the U.S. Patent and Trademark Office. California customers: Loans made or arranged pursuant to a California Finance Lenders Law License. Not available in all states.