Get the cash you need.

Apply from your couch.

Apply 100% online to quickly and easily tap up to 90% of your property’s value¹ without affecting your mortgage rate.

A $50,000-$500,000 Home Equity Line of Credit

Available for primary, second, and investment homes

Close in as little as 3 days²

Apply in minutes

Won’t affect your credit score


Home loans funded entirely online


Customers who got a Better Mortgage

3 mins

Apply online in as little as 3 mins

Home values are up. Put that 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. 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

With the Better Home Card






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

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






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.

Apply in minutes.

Won’t affect your credit score.

Get started

¹ Maximum LTV dependent on borrower eligibility.

²Assumes borrowers are eligible for AVM to calculate their home value, their loan amount is less than $400,000, and all required documents are uploaded to their Better Mortgage online account within 24 hours of application. Closing timelines may vary.


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.

Better Mortgage's HELOC product is available in all states other than NM, TN, TX, and UT. 

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.