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Won’t affect your credit score

Home Equity Line of Credit

Get the cash you need. Apply from your couch.

And get 20% off HUTS development service fees - a more than $5000 value²

Apply 100% online and quickly tap into your equity

Up to $500,000 Home Equity Line of Credit1

Available for primary, second, and investment homes

One Day HELOC: Decision in 24 hours, cash in 7 days.2

Find my rate

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.

Goodbye waiting game. Hello cash.

Introducing One Day HELOC—your express lane to accessing cash from your home with our Home Equity Line of Credit. Once you complete your application tasks, you’ll get an approval decision in 24 hours, and your cash in 7 days.2

Finance your ADU today

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, or keep as an emergency fund.

Get the most out of your home equity

Access up to 90% of your property’s value

You can get up to a $500,000 line of credit while accessing up to 90% of your home equity.3 Don't worry, you don't have to use all it once. And you’ll only pay interest on what you withdraw, not the entire line of credit.

Get your card

Image is for example purposes only. Your values will vary.

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Available for different properties

Tap vacation homes and investment properties

Many HELOCs are only available on primary residences. Our new digital HELOC lets you tap into the equity of second homes, as well as investment properties.

Apply now

Better savings

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 cuts out the unnecessary fees so we can pass along those savings to our customers.

Apply in minutes.

Won't affect your credit score.

Goodbye waiting game, hello cash—your express lane to accessing cash from your home is one click away.

Start getting cashFinance your ADU today

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.

Apply now

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.

1 $50,000-$500,000 loan amount at up to 90% of your property’s value. Maximum LTV dependent on borrower eligibility.

2 Better Mortgage’s One Day HELOC promotion offers qualified customers who provide certain required financial information/documentation to Better Mortgage within 4 hours of locking a rate on a HELOC loan the opportunity to receive an underwriting determination from Better Mortgage within 24 hours of their rate lock. The underwriting determination is subject to customary terms, including fraud and anti-money laundering checks, that take place pre-closing and which may trigger additional required documentation from the customer. Better Mortgage does not guarantee that initial underwriting approval will result in final underwriting approval. See One Day Heloc Terms and Conditions.

Assumes borrowers are eligible for the Automated Valuation Model (AVM) to calculate their home value, their loan amount is less than $400,000, all required documents are uploaded to their Better Mortgage online account within 24 hours of application, closing is scheduled for the earliest available date and time, and a notary is readily available. Funding timelines may vary and may be longer if an appraisal is required to calculate a borrower’s home value.

3 Maximum LTV dependent on borrower eligibility.

Better Mortgage's HELOC product is available in all states other than TX.

Please note that you are required to draw at least $50,000 or 75% of your credit limit, whichever is greater, at the time of funding (ex. if your credit limit is $200,000, you must draw $150,000 or more at funding). If you would like to draw less at funding, you may lower your credit limit.

Better Mortgage's HELOC product requires that you pledge your home as collateral, and you could lose your home if you fail to repay your loan.

HELOC Important Terms

Better

Better is a family of companies serving all your homeownership needs.

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    We can’t wait to say “Welcome home.” Apply 100% online, with expert customer support.

  • better real estate page

    Connect with a local Better Real Estate Partner Agent to find out all the ways you can save.

  • better cover page

    Shop, bundle, and save on insurance coverage for home, auto, life, and more.

  • better inspect page

    Get free repair estimates, 24-hour turnarounds on reports, and rest easy with our 100-day inspection guarantee.

  • better inspect page

    Get transparent rates when you shop for title insurance all in one convenient place.

© 2024 Better Home & Finance Holding Company and/or its affiliates. Better is a family of companies. Better Mortgage Corporation provides home loans; Better Real Estate, LLC and Better Real Estate California Inc License # 02164055 provides real estate services; Better Cover, LLC sells insurance products; and Better Settlement Services provides title insurance services; and Better Inspect, LLC provides home inspection services. All rights reserved.

Home lending products offered by Better Mortgage Corporation. Better Mortgage Corporation is a direct lender. NMLS #330511. 3 World Trade Center, 175 Greenwich Street, 57th Floor, New York, NY 10007. Loans made or arranged pursuant to a California Finance Lenders Law License. Not available in all states. Equal Housing Lender. NMLS Consumer Access

Better Real Estate, LLC dba BRE, Better Home Services, BRE Services, LLC and Better Real Estate, and operating in the State of California through its wholly owned subsidiary Better Real Estate California Inc., is a licensed real estate brokerage and maintains its corporate headquarters at 325-41 Chestnut Street, Suite 826, Philadelphia, PA 19106. Here is a full listing of Better Real Estate, LLC’s license numbers. Better Real Estate, LLC provides access to real estate brokerage services via its nationwide network of partner brokerages and real estate agents (“Better Real Estate Partner Agents”). Equal Housing Opportunity. All rights reserved.

New York State Housing and Anti-Discrimination Notice

New York Standard Operating Procedures

Texas Real Estate Commission: Information About Brokerage Services | Consumer Protection Notice

Better Settlement Services, LLC. 325-41 Chestnut Street, Suite 803, Philadelphia, PA 19106.

Homeowners insurance policies are offered through Better Cover, LLC, a Pennsylvania Resident Producer Agency. License #881593. 325-41 Chestnut Street, Suite 807, Philadelphia, PA 19106.

Insurance quotes and policies are offered through Better Cover, LLC. A Pennsylvania Resident Producer Agency. License #881593. Here is a full listing of Better Cover, LLC’s license numbers.

Better Inspect, LLC maintains its corporate headquarters at 325-41 Chestnut Street, Suite 846, Philadelphia, PA 19106.

Better Mortgage Corporation, Better Real Estate, LLC, Better Settlement Services, LLC, Better Cover, LLC, Better Connect, and Better Inspect, LLC are separate operating subsidiaries of Better Home & Finance Holding Company. Each company is a separate legal entity operated and managed through its own management and governance structure as required by its state of incorporation, and applicable and legal and regulatory requirements. Products not available in all states.

Any unauthorized use of any proprietary or intellectual property is strictly prohibited. All trademarks, service marks, trade names, logos, icons, and domain names are proprietary to Better Home & Finance Holding Company. Better Home & Finance Holding Company trademarks are federally registered with the U. S. Patent and Trademark Office. Better Cover is a registered trademark with the U.S. Patent and Trademark Office and is owned by Better Cover, LLC.