Megan Bellingham

Self employed? Here’s how to get a mortgage

Megan Bellingham, Operations Manager at Better, explains what self-employed customers can expect when heading into the mortgage process. As part of the underwriting team at Better, I know firsthand that there are a whole lot of numbers involved in getting a mortgage. That's because it's our team’s job to review and evaluate people's loan...

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Sarah Pierce

How your credit score affects your mortgage

One of the most common topics customers ask me about is credit scores. “How will my credit score affect my rates? What if my partner or spouse has a low credit score? Will applying for a pre-approval hurt my score?” Here’s a roundup of the guidance I give them. A higher credit score means...

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Lucy Randall

Improving your debt to income ratio (DTI) when applying for a mortgage

When I talk to customers about getting a mortgage, they’re often concerned about their credit score, which is an indicator of their ability to pay back loans and can affect the rates they’ll be able to get. While credit scores are certainly important, what they often don’t know is that another number,...

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Mike D’Ambrosio

Leveraging RSU income for your mortgage: underwriting in the 21st century

Mike D'Ambrosio, Head of Underwriting at Better At Better, we work with customers who work at places like Amazon, Google, Facebook, Oracle, or other publicly traded technology companies. Many of these employees are compensated in part through restricted stock units, or RSUs. In a nutshell, these are shares of stock that “vest” over time – the...

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Sathi Roy

Don't take the bait! Here's the reality of refi rates

If you’re looking to refinance your mortgage, you’ve probably checked an online rate table comparing rates from different lenders. But more often than not, the rates at the top of the tables may not be an accurate representation of what you’ll actually get – or how competitive those lenders’ pricing actually is. We...

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