Better Mortgage
Skip the down payment. Leverage your shares.
Own your home.
Own your home and your shares. We’ll lock them until you’ve paid off your mortgage, or refinanced.
You’ll still own your pledged shares, so you can still profit from your company’s success. And if your shares decrease in value, no worries. The terms of your mortgage stay the same.
Keep more of your hard earned money by leveraging your shares instead of selling them. Pledging your shares as collateral is not a taxable event. Selling them is.
We count your unpledged vested, exercised shares towards your total assets. Traditional lenders don’t.
Here's how it works
Use our calculator. Make sure this is right for you. Then go on and get pre-approved.
Get pre-approved online in minutes, see your estimated share value, and get connected with your Home Advisor.
Your Home Advisor will confirm how many vested shares you have with Carta and their value as collateral.
Better Real Estate can find the right home for you and help you buy it with cash. Already have a place in mind? A Better Real Estate Agent can help you put together a winning offer.
While we’re processing your financials, our team will reach out to you to finalize your loan terms and get you ready for closing.
At closing you’ll get your keys, and your shares will be locked as collateral. You won’t be able to sell your shares until the principal is paid in full or you refinance.
**Rate and APR Disclaimer: This is not a commitment to lend. Terms and conditions apply. Interest rates and annual percentage rates (APRs) are as of 11/3/2021 7:30 PM ET and are for informational purposes only. Mortgage rates are based on current market conditions and change daily. The advertised interest rate and APR ranges are based on the following assumptions: $1,000,000 loan amount; Better Startup Mortgage; borrower with FICO score of 700 or higher. The APR range listed above is an estimate and may not include all applicable fees. Your interest rate and APR may differ based on current market rates, property type, loan amount, loan-to-value ratio, credit score and other variables. Mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR. Rates and terms are subject to change at any time without notice and are subject to state restrictions.