PRESCREEN & OPT-OUT NOTICE: This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria [including providing acceptable property as collateral]. If you do not want to receive prescreened offers of credit from this and other companies, call TransUnion at 1-888-567-8688 or visit the website at www.optoutprescreen.com; or write TransUnion Opt Out Request PO Box 505, Woodlyn, PA 19094-0505.

^*The Better Buying Guarantee consists of up to $3,500 in lender paid credits, which shall be provided by Better Mortgage and used by the customer to offset the Covered Fees (defined below) assessed at the first time the Mortgage Loan is refinanced with Better Mortgage, which must take place during the time period which is six (6) months after the close of the Mortgage Loan and within three (3) years of the close of the Mortgage Loan (the “Refinance Period”). “Covered Fees” include: Lender’s Title Insurance Policy Fees; Owner’s Title Insurance Policy Fees; Appraisal Fees (includes second appraisal fee, appraisal re-inspection fee and appraisal recertification fee, if applicable); Flood Certification Fees; Credit Report Fees; and Other Settlement Fees (includes notary fees, settlement fees, recording services fees, transfer taxes and government fees, deed preparation, courier messenger fees, and endorsements). Discount points are excluded.

Better Buying Guarantee Terms and Conditions

1. Better Mortgage Corporation (“Better Mortgage”) is offering qualified customers who close on a purchase mortgage loan or who close on a first-lien, closed end refinance mortgage loan with Better Mortgage (the “Mortgage Loan”) lender paid credits at the time such customers refinance the Mortgage Loan with Better Mortgage (the “Offer”).
2. The Offer consists of up to $3,500 in lender paid credits, which shall be provided by Better Mortgage and used by the customer to offset the Covered Fees (defined below) assessed at the first time the Mortgage Loan is refinanced with Better Mortgage, which must take place during the time period which is six (6) months after the close of the Mortgage Loan and within three (3) years of the close of the Mortgage Loan (the “Refinance Period”). “Covered Fees” include:
1. Lender’s Title Insurance Policy Fees;
2. Owner’s Title Insurance Policy Fees;
3. Appraisal Fees (includes second appraisal fee, appraisal re-inspection fee and appraisal recertification fee, if applicable);
4. Flood Certification Fees;
5. Credit Report Fees; and
6. Other Settlement Fees (includes notary fees, settlement fees, recording services fees, transfer taxes and government fees, deed preparation, courier messenger fees, and endorsements).
7. Discount points are excluded.
3. To be eligible for and receive the Offer, a customer must:
1. Be a U.S. citizen, permanent resident or non-permanent resident (certain visa categories only) purchasing or refinancing a primary residence, second home or investment property located in a state where Better Mortgage is licensed to originate mortgage loans;
2. Successfully close on their Mortgage Loan with Better Mortgage between November 7, 2022 and March 31, 2023;
3. Refinance their Mortgage Loan with Better Mortgage during the Refinance Period; and
4. Contact their Better Mortgage Loan Consultant at any time prior to locking in the interest rate of the customer’s first refinance of the Mortgage Loan and inform them that they would like to redeem the Offer
4. Covered Fees does not include discount points associated with a refinance of the Mortgage Loan. The Offer may not be combined with any other Better Mortgage offers, promotions, or concessions. The Offer is only redeemable for a qualified customer’s first refinance of the Mortgage Loan during the Refinance Period and is not redeemable for subsequent refinances. All applications are subject to underwriting and credit approval. The Offer consists of up to $3,500 in lender paid credits to be applied to a qualified customer’s assessed Covered Fees, and any such lender paid credits in excess of the assessed Covered Fees will not be provided as any form of cash back or other consideration.
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.
6. 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, 175 Greenwich Street, Fl 57, 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)

**Better Mortgage Prescreened Offer Rate Lock in 24 Hours Closing Cost Promotion Terms and Conditions

1. Better Mortgage Corporation (“Better Mortgage”) is offering qualified customers $1,000 in the form of lender credits to be applied to reduce the closing costs of their mortgage loan (the “Mortgage Loan”) subject to the eligibility requirements and criteria set forth below (the “Offer”). The Offer is limited to qualified customers who received a prescreened promotional text (SMS) message for the Offer and who were subsequently provided a promotional banner for the Offer within Better Mortgage’s online mortgage lending platform during the Mortgage Loan pre-approval process. In order to obtain the Offer, qualified customers must qualify for and start the Mortgage Loan application process with Better Mortgage, meet the requirements to lock a rate on their Mortgage Loan, subsequently lock a rate on the Mortgage Loan within 24 hours of being provided the promotional banner for the Offer within Better Mortgage’s online mortgage lending platform, then successfully close on the Mortgage Loan.
2. To be eligible for the Offer, Better Mortgage users must:
1. Be a U.S. citizen, permanent resident or non-permanent resident (certain visa categories only) purchasing or refinancing a primary residence, second home or investment property located in a state where Better Mortgage is licensed to originate mortgage loans;
2. If purchasing a primary residence, second home, or investment property, possess a signed purchase agreement for the property when they start their pre approval process;
3. Receive a promotional prescreened text (SMS) message for the Offer on or after December 20, 2022;
4. Have a promotional banner for the Offer displayed within Better Mortgage’s online mortgage lending platform during their pre approval process; and
5. Complete each of the following:
1. Complete all tasks required to lock a rate within 24 hours of being provided a promotional banner for the Offer within Better Mortgage’s online mortgage lending platform; and
2. Successfully close on their Mortgage Loan with Better Mortgage.
3. Upon qualifying for the Offer, Better Mortgage will apply the Offer in the form of lender credits to reduce the final closing costs on the customer’s Mortgage Loan due at closing. The Offer can only be applied once per Mortgage Loan.
4. The Offer is only available to users applying for purchase or refinance loans on properties located in the states in which Better Mortgage originates loans. The Offer is subject to all applicable state laws and is available in all 50 states and the District of Columbia. The Offer is not available for customers who have locked a rate for their Mortgage Loan prior to receiving a prescreened promotional (SMS) text message 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.
6. 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, 3 World Trade Center, 175 Greenwich Street, 57th 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)

***Better Closing Guarantee Terms and Conditions

Better Mortgage Corporation (“Better Mortgage”) is offering eligible customers a check in the amount of $2,000 if their Mortgage Loan (as defined below) does not Close on Time (as defined below), pursuant to the following eligibility requirements and limitations (the “Guarantee”):

To be eligible for the Guarantee, you must have completed the following steps with Better Mortgage for a conventional purchase loan on a single family residence or PUD-detached home (the “Mortgage Loan”) after 11/3/2022:

1. For jumbo loans, obtain a verified pre-approval and lock a rate at least 30 days before the closing date on your purchase contract; OR, for conforming loans, obtain a completed conditional approval or a verified pre-approval and lock a rate at least 21 days before the closing date on your purchase contract;
2. Provide all requested supporting documentation and signed disclosures needed to make a loan decision (e.g., income/asset documents) within 48 hours of each request;
3. Upload a fully executed purchase contract to Better.com within 24 hours of locking a rate; and
4. Successfully close on the Mortgage Loan and fund with Better Mortgage.

“Close on Time” means closing on the Mortgage Loan on the closing date indicated on your uploaded purchase contract.

You are ineligible for the Guarantee if your Mortgage Loan is: for the purchase of a property located in New York, Hawaii, or Alaska; your Mortgage Loan is for the purchase of a condominium, 2-4 unit property, new build property (e.g., new construction property), or for the purchase of a property purchased using a cash offer; your Mortgage Loan is denied or withdrawn before the closing date listed on your uploaded purchase contract; or if the closing date listed on your uploaded purchase contract cannot be met for reasons outside of Better Mortgage’s control, these reasons include, but are not limited to:

1. There are changes to your credit profile, income, income source, or available assets, or additional information is provided that impacts your ability to qualify for the loan; or
2. You or the seller of the subject property initiates changes to the closing date or loan terms (loan amount, product, interest rate, initial rate locks); or
3. There are delays due to an appraisal dispute initiated by you, force majeure events (including weather or natural disaster), improvements or repairs being made to the subject property, or because items on the title report need to be removed or cleared; or
4. There are delays caused by third parties; provided, however, you will remain eligible for the Guarantee if there are delays caused by appraisal management companies, or the Better affiliated companies (Better Settlement Services; Better Cover, LLC; Better Real Estate, LLC; Better Connect, LLC dba Better Attorney Match; and Better Inspect, LLC).

If your Mortgage Loan does not Close on Time, Better Mortgage will mail a check for $2,000 to the address listed on your account. Recipients will be responsible for all taxes and fees associated with receipt of the $2,000 which may be considered miscellaneous income received from Better Mortgage. Better Mortgage may be required to send to you, and file with the IRS, a Form 1099-MISC for the year in which you receive this offer. Please consult your tax advisor.

The Guarantee is only available for customers applying for purchase loans on properties located in the states in which Better Mortgage originates loans (excluding New York, Hawaii and Alaska). The Guarantee is subject to all applicable state laws.

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, GUARANTEES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. Terms are subject to change at any time without notice and are subject to state restrictions. Better Mortgage Corporation, 175 Greenwich Street, Fl 57, 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)