Won’t affect your credit score
Award-winning lender
We’ve built technology to streamline the entire homebuying process, making it simpler, faster, and cheaper for us to make loans. Then, we pass the savings onto you. Win win.
01.
Check if you qualify online in minutes without any impact to your credit score
02.
You’ll see your maximum cash, rates, and expected monthly payments
03.
Select a loan and get cash in as fast as 7 days¹
Won’t affect your credit score
Best Mortgage Lenders of 2023
Best Mortgage Lender for Affordability 2023
Best for First-time Homebuyers 2023
What makes us Better
1
Easy
100% digital application, all online
2
Fast
Pre-approval in as little as 3 minutes
3
Affordable
Buy a home with as little as 3% down
4
Dependable
Close on time, guaranteed
5
Transparent
Get an instant cost estimate (no fee sheets or bait and switch tactics)
6
Personal
Work with a loan consultant – fully digital or fully guided on the phone, and anything in between
Won’t affect your credit score
We did the math on the next 30 years. It was cheaper to own.
Mateo & Alejandra | Mortgage customers
A loan type to meet your needs
Scroll left to see different loan types ->
Conventional
FHA
VA
Buyer profile
Someone looking for a home to live in or an investment property with stable, documented income, some cash to put down, and good credit
Someone looking to buy their first home without limited cash to put as a down payment and fair to excellent credit.
Active military, veteran or surviving spouse looking to purchase a home with some of the best loan options available.
Down payment
3%+
3.5%+
None
Credit
Good+
Fair+
Fair+
How you receive and spend the funds
Revolving line of credit you can pay down and withdraw from for 3 or 10 years
One upfront lump sum
Payment structure
5 or 10-year interest-only payments, followed by 10, 15, or 20 year repayment period (principal and interest payments)
15, 20, or 30-year fixed principal and interest payments¹
Get between
$50,000 - $500,000
$50,000 - $500,000
Borrow from
Primary residence
Second home
Investment property
Primary residence
Second home
Investment property
Minimum credit score
680
680
Keep your mortgage rate
Won’t affect your credit score
Easier
Access up to 90% of your property's value, making it easier than ever to tap into the value of your property to build an ADU.
Faster
Close in as little as 3 days, so you can go from idea to built space faster than ever.3
Better
Better and HUTS have partnered to create the best way to finance the construction of your new favorite asset: your ADU.
Why customers love Better Mortgage
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.
Buying a house was 100x easier than planning a wedding.
Everyone told newlyweds Dorian and Leah that buying a home would be stressful. With Better Mortgage the process was easy, and they moved in on time.
FAQs
What is a HELOC?
What is a home equity loan?
Should I get a cash-out refinance, instead?
What can I use my home equity for?
How much home equity can I borrow?
Are hybrid appraisals covered under our appraisal contingency?
What if the Listing Agent has questions about the appraisal alternatives?
With most lenders, pre-approval is free, doesn’t hurt your credit, and doesn’t commit you to a loan.
How to get a mortgage approval?
Learn about the different stages in the mortgage process– from pre-approval, verified approval, and conditional approval.
[LEGAL TBD]
Won’t affect your credit score
Rated the best online mortgage lender for first-time homebuyers
We’ve built technology to streamline the entire homebuying process, making it simpler, faster, and cheaper for us to make loans. Then, we pass the savings onto you. Win win.
01.
Check if you qualify online in minutes without any impact to your credit score
02.
You’ll see your maximum cash, rates, and expected monthly payments
03.
Select a loan and get cash in as fast as 7 days¹
Won’t affect your credit score
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
Speed. Simplicity. Savings.
Won’t affect your credit score
100% digital application, all online
Pre-approval in as little as 3 minutes
Buy a home with as little as 3% down
Close on time, guaranteed
Get an instant cost estimate (no fee sheets or bait and switch tactics)
Work with a loan consultant – fully digital or fully guided on the phone, and anything in between
Won’t affect your credit score
We did the math on the next 30 years. It was cheaper to own.
Mateo & Alejandra | Mortgage customers
A loan type to meet your needs
Scroll left to see different loan types ->
Conventional
FHA
VA
Buyer profile
Someone looking for a home to live in or an investment property with stable, documented income, some cash to put down, and good credit
Someone looking to buy their first home without limited cash to put as a down payment and fair to excellent credit.
Active military, veteran or surviving spouse looking to purchase a home with some of the best loan options available.
Down payment
3%+
3.5%+
None
Credit
Good+
Fair+
Fair+
How you receive and spend the funds
Revolving line of credit you can pay down and withdraw from for 3 or 10 years
One upfront lump sum
Payment structure
5 or 10-year interest-only payments, followed by 10, 15, or 20 year repayment period (principal and interest payments)
15, 20, or 30-year fixed principal and interest payments¹
Get between
$50,000 - $500,000
$50,000 - $500,000
Borrow from
Primary residence
Second home
Investment property
Primary residence
Second home
Investment property
Minimum credit score
680
680
Keep your mortgage rate
Won’t affect your credit score
Easier
Access up to 90% of your property's value, making it easier than ever to tap into the value of your property to build an ADU.
Faster
Close in as little as 3 days, so you can go from idea to built space faster than ever.3
Better
Better and HUTS have partnered to create the best way to finance the construction of your new favorite asset: your ADU.
Why customers love Better Mortgage
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.
Buying a house was 100x easier than planning a wedding.
Everyone told newlyweds Dorian and Leah that buying a home would be stressful. With Better Mortgage the process was easy, and they moved in on time.
FAQs
What is a HELOC?
What is a home equity loan?
Should I get a cash-out refinance, instead?
What can I use my home equity for?
How much home equity can I borrow?
Are hybrid appraisals covered under our appraisal contingency?
What if the Listing Agent has questions about the appraisal alternatives?
With most lenders, pre-approval is free, doesn’t hurt your credit, and doesn’t commit you to a loan.
How to get a mortgage approval?
Learn about the different stages in the mortgage process– from pre-approval, verified approval, and conditional approval.
[LEGAL]