Won’t affect your credit score
Better Mortgage
Buying a home?
Do it Better.
And get 20% off HUTS development service fees - a more than $5000 value²
Cut out the middlemen—and the costs that come with them
Get $500 when you close your purchase through Better 1
No unnecessary delays, no complicated jargon—just a clear, simple path to your new home.
Won’t affect your credit score
Better Mortgage
Buying a home?
Do it Better.
Cut out the middlemen—and the costs that come with them
Get $500 when you close your purchase through Better
No unnecessary delays, no complicated jargon—just a clear,
simple path to your new home.
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
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.
The smarter way to buy a home.
House hunting can be stressful, but financing shouldn't be. That's why we've simplified the process with fast, transparent pre-approvals and competitive rates.
With Better, you can lock in your rate while you search, and if rates drop, our float-down option lets you adjust without starting over.
Won’t affect your credit score
Get pre-approved in mins
Quick, hassle-free pre-approval in as little as 3 minutes—no need to dig through financial documents.
Clear, competitive rates
Transparent rates with no hidden fees, so you always know what you’ll pay.
100% online
Enjoy a stress-free, 100% online process with no paperwork—easy to understand your options.
Flexible loan choices
Customizable options for almost any credit score and down payment preference.
Faster closing
Close on your home 17 days quicker than the industry average. 2
No credit impact
Check your home buying budget without affecting your credit score.
While home values are up.
Put your equity to work.
While home values are up. Put your equity to work.
In 2022, US homeowners saw their home equity increase $60,200 per borrower, on average.³ Now they can quickly tap into that equity to tackle renovations, pay off high-interest debt,⁴ or keep as an emergency fund.
We needed to make an offer next day. Better made that 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 bit, 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.
Better Mortgage vs.
traditional lenders
Won’t affect your credit score
Better Mortgage
Pre-approval time
As little as 3 minutes
Fees
No unnecessary fees
Application process
100% online
Closing time
Close 17 days faster than industry average
Customer service
Personalized, 24/7 support
Down payment
3%+ for qualified buyers
Credit score
Flexible, starting at 580+
Loan options
Wide range (conventional, jumbo, FHA, VA, refinancing)
Traditional lenders
Pre-approval time
Several days or longer
Fees
May include origination fees, commissions, and other costs
Application process
Lengthy paperwork
Closing time
Often takes 30-45 days, or more
Customer service
Not always available
Down payment
Typically 5-20%
Credit score
Stricter, usually 620-700+
Loan options
Similar options, but with more rigid terms and longer processes
Won’t affect your credit score
Pre-approval time
Better Mortgage
Traditional lenders
Pre-approval time
As little as 3 minutes
Several days or longer
Fees
No unnecessary fees
May include origination fees, commissions, and other costs
Application process
100% online
Lengthy paperwork
Closing time
Close 17 days faster than industry average 2
Often takes 30-45 days, or more
Down payment
As low as 3% for qualified buyers
Typically 5-20%
Credit score
Flexible, starting at 580+
Stricter, usually 620-700+
Loan options
Wide range
(conventional, jumbo, FHA, VA, refinancing)
Similar options, but with more rigid terms and longer processes
With the Better Home Card
Furniture
Rugs
Appliances
Renovations
More
Get ahead in the
homebuying process
Won’t affect your credit score
Stand out in a competitive market
Show sellers you’re a serious buyer with a pre-approval letter.
Know Your Budget
Get a clear understanding of your home buying budget before you start shopping.
Rate Lock and Float-Down
Lock in your rate while you shop, with the option to float down if rates drop.
How pre-approval helps you buy your first home
Buying your first home is exciting, but it can also feel daunting — especially in a hot market, where offers are flying and homes...
How much does it cost to get pre-approved?
Something we often hear from customers is that they waited longer to get pre-approved than they needed to when starting to shop....
7 must-read first time homebuyer tips
So you’re ready to buy a home—or at least, you think you are. But sitting on your sofa and scrolling through online listings feels...
Homebuying, simplified.
Check your home buying power. No credit impact.
No unnecessary fees
Pay interest only on what you withdraw
With a HELOC, you’ll pay interest on the amount you withdraw, not the entire loan amount. Plus, Better Mortgage charges zero unnecessary fees.
With the Better Home Card
Furniture
Rugs
Appliances
Renovations
More
What makes us Better
Homeownership, all under one roof
We’re making every step of the homeownership process faster, easier, and more affordable.
Better Real Estate
Expert agents to help you list your current home or find a new one.
Better Settlement Services
We’re making title insurance faster, easier, and just plain Better.
Better Cover
We’ll shop 20+ insurance carriers to find you the best policy on home, auto or life insurance.
FAQs
I’m worried about sharing my personal information online. Is my data safe with Better?
How do I know if Better’s rates and fees are competitive?
What if I change my mind or find a better rate elsewhere?
Can I still get pre-approved if I have a less-than-ideal credit score?
How long does the pre-approval process take, and what do I need to provide?
Will getting pre-approved with Better affect my credit score?
If I go with a digital lender like Better, will I still get personal support?
2 See https://better.com/with/claims
3 For example, a 3% down payment on a 30-year, fixed-rate purchase loan of $300,000 with an interest rate of 6.875% / (7.420% Annual Percentage Rate - APR) will have 360 monthly principal and interest payments of $1,971. Monthly payment does not include taxes and insurance. Actual payments will be higher.
