Better Real Estate
Partner with a local expert and save big
Traditional real estate brokerages are unfair and too expensive. We’re working to build something entirely new with lower commissions and fees.
Better Real Estate
Match with a partner agent and save $2,000
Save big when you work with a Better Real Estate Partner Agent, and get a home loan with our partner, Better Mortgage¹
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Join hundreds of thousands of happy homeowners
“Everyone was telling us that buying a home would be the most stressful thing that we’d do. Better Real Estate made buying a house 100x easier than planning a wedding.”
“My Better Real Estate Agent was my angel. I had only six weeks to find a a house. My friends told me it was impossible. I couldn’t have gotten this home without Better Real Estate.”
¹See Better Real Estate Discount Terms and Conditions.
¹Available to buyers using a Better Real Estate Agent in AZ, CA, CO, FL, GA, IL, MD, MI, NY, NC, PA, SC, TX, VA, WA and DC. Better Real Estate's standard 1.5% listing fee applies to buyers in all remaining states wherein Better Real Estate is licensed and performs listing services. For details, see Better Real Estate Listing Fee Discount Terms and Conditions.
Frequently asked questions
How do I understand what this is and if it’s a good product for me?
Experiment with the calculator above to help understand how much equity you will need to pledge and how much home you can afford. Pre-approval takes a few minutes and then you can discuss specifics directly with your expert Home Advisor.How is this different from what Better Mortgage offers me today?
With Equity Unlocker you can pledge vested equity toward the down payment on a new home. With a standard Better Mortgage, cash must be used as the down payment. To cover the down payment, you will have your equity valued at a 50% advance rate, meaning if you have $250,000 in vested Amazon stock, you can pledge that equity to cover $100,000 toward the down payment ($250,000 x 40% = $100,000). You also have the option to subsidize the value of pledged equity with cash toward a down payment.What is the interest rate and terms of the Equity Unlocker mortgage?
The interest rate for an Equity Unlocker mortgage will be 1.50-3.00% higher than the daily Fannie Mae mortgage rate, depending on the terms of the mortgage loan (15 year fixed, 30 year fixed, ARM etc.)How is this different from what my bank offers me today?
For a mortgage, your bank likely requires you to use cash as a down payment. If your bank offers margin loans, those are likely daily mark-to-market, meaning if the value of your equity declines, you would be obligated to pledge more shares toward the loan as collateral. You may have to liquidate your equity, put up more cash, or forcibly sell your home if the stock price drops enough. With Equity Unlocker you can get a home without doing any of those things.Does this affect my relationship with my employer in any way?
Nope! Your home and your mortgage belong to you. There is no impact from leaving or changing your job.What does it mean to “pledge” shares of my vested equity?
A share pledge means that the shares are held, in your name, as collateral against a loan. Those shares can remain at your brokerage house or custodian, you’ll simply have to get the custodian to sign a document during closing to acknowledge the pledge. Those shares are your property and yours to sell at any time to pay down the mortgage. All additional proceeds from the sale of equity are yours to keep.What information do you need from my broker in order to provide me with a recommendation about the appropriateness of Equity Unlocker for my situation?
You will be required to submit brokerage statements illustrating sufficient vested equity shares to be pledged. Your expert Loan Consultant will be able to talk you through your options based on your specific needs and financial situation. Visit better.com/equityunlocker/amazon today to get started.What data are you collecting from me and what will it be used for?
We ask for the same information that is required when you apply for a traditional mortgage and utilize the utmost in data security protections throughout the process. We will never sell your data.How long does the whole process take?
Once your equity is verified, the average closing time for a Better mortgage is 10 days faster than the industry average, typically 30-40 days.How much does this cost? And what fees are associated with the offering?
Closing costs for a mortgage typically range from 2-5% of the amount of the loan. Better never charges additional lender fees or commissions.