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Won’t affect your credit score

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Same home. Lower mortgage.

Refinancing could free up money every month and reduce what you’ll pay overall. Better’s tech-driven process removes paperwork and speeds up approvals—so saving feels effortless.

Our AI-native tech shops dozens of investors to find 
your best rate.

Personalized quote in as little as 3 minutes — no credit impact.

Get your cash fast with One Day HELOC™.1

Thousands saved on average through lower rates 
and fewer fees.

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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

Lock your refinance rate
in

as little as 15 minutes

2025 Best

Online Lender

Cash in as little as


7 days

2026 Best for speedy

approvals and low fees

2025 Best for

Low Rates

How can refinancing your mortgage save money?
By lowering monthly payments
A new loan with a lower interest rate can lower your mortgage payments, freeing up more space in your monthly budget.
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By paying less in interest
Refinancing into a shorter loan term pays off the loan faster. A shorter term speeds up equity building and slashes long-term finance charges.
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By tapping existing equity
Cash-out refinancing puts your equity to work. Cash from equity could renovate your home or pay off high-interest debt.
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Won’t affect your credit score

Why customers love Better Mortgage

“

You love what you do and it shows!

I liked this company from the jump!! The transparency, the ease of the website, the prompt responses when I had a question. It was like a well oiled machine. You obviously love what you do, and it shows.


Tammy, Better Mortgage Customer

“

“

Better is so transparent!

I have been working with Better on 3 different loans now. They never disappoint. I bought 2 homes and am now refinancing another with Better because they are so transparent!


Pedro, Better Mortgage Customer

“

“

You love what you do and it shows!

I liked this company from the jump!! The transparency, the ease of the website, the prompt responses when I had a question. It was like a well oiled machine. You obviously love what you do, and it shows.


Tammy, Better Mortgage Customer

“

Better is so transparent!

I have been working with Better on 3 different loans now. They never disappoint. I bought 2 homes and am now refinancing another with Better because they are so transparent!


Pedro, Better Mortgage Customer

We did the math on the next 30 years. It was cheaper to own.

Mateo & Alejandra | Better Mortgage customers

5 min read
The pros and cons of refinancing your home: Is it right for you?

Read more ->

4 min read
Refinance requirements: Essential checklist for approval in 2025

Read more ->

6 min read
When to refinance a mortgage? Key factors and timing tips

Read more ->

See your rates for Refinance in minutes

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1One Day HELOC offers customers who provide required financial documentation within 4 hours of rate lock the opportunity to receive an underwriting determination (additional requirements may apply) within 24 hours of rate lock. Initial approval does not guarantee final underwriting approval. See One Day HELOC Terms and Conditions.

“
We did the math on the next 30 years. It was cheaper to own.
Mateo & Alejandra | Better Mortgage customers
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© 2026 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.

Better BMC operates under the name Better Mortgage Corporation in New York.

Home lending products offered by Better Mortgage Corporation. Better Mortgage Corporation is a direct lender. NMLS #330511. 1 World Trade Center, 80th 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.

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act