What is Better Mortgage?

Published July 22, 2016

Updated February 16, 2026

Better
by Better

Have you ever wondered why buying or refinancing a home is so outdated and complex? You’re not alone. Millions of people go through the mortgage process each year. It is a cornerstone of our economy. Families everywhere build their lives around this asset. For almost everyone, their home represents the biggest financial transaction of their lives.

And yet the mortgage industry is so far behind.

  • It’s behind on technology. The best-in-class origination software was written in the ‘90s.
  • It’s needlessly unclear. Got that PUD / Condo Cert request? How about your VVOE or WVOE?
  • Worst of all, it’s not very user-friendly. Why does it take so many phone calls just to get pre-approved?

Everywhere we look we see legacy infrastructure, needless middlemen, and frustrating pain points. It’s clear that the process doesn’t work for the busy, modern-day, mobile consumer.

Some lenders pretend as if the internet doesn’t even exist.

We launched Better Mortgage with the goal of building a fundamentally different mortgage company; one that is simple, transparent, and completely online. Consumers are clamoring for a simpler mortgage experience. We believe better technology is the way.

At Better Mortgage, we’re bringing mortgages into the 21st century.

First we assembled a world-class engineering team. Our team hails from places like Google, Microsoft, and Spotify. Then we acquired an existing mortgage bank and rebuilt it from the ground up, rewriting traditional assumptions at every step.

Since we are a technology company at heart, our team is constantly improving the process as we learn from our customers.

Today we’re proud to offer a fully re-engineered mortgage experience that puts users first. In 2016, no one should have to play phone tag. No one should have to fax a document. And no one should have to pay thousands of dollars in commission to a loan officer who mostly slows the process down.

So what does that mean for you?


0% commission

Communicate on your terms. Work with our non-commissioned Mortgage Experts by chat, phone, email, or even text — we won’t call you unless you need us to (unless it’s really urgent). At Better Mortgage, you work with support, not sales.

100% online

Complete the entire process online — make progress 24/7. Nothing should slow you down.

Be efficient and paper-free. Save time by e-signing documents, linking bank accounts, and securely uploading files.

3-minute pre-approval

What used to take weeks now takes minutes. With Better Mortgage, applying for a pre-approval for a refinance or new mortgage only takes 3 minutes. And it won’t affect your credit score.

 A Better Mortgage is a Modern Mortgage. Get Pre Approved Now

Related posts

Letter of explanation for a mortgage: Learn how to write one

Learn what a letter of explanation for a mortgage is, why lenders request it, what to include, how to write it, examples, and what happens after you submit one.

Read now

Types of real estate investment and strategies for success

Learn about the different types of real estate investments, find out how to choose the right one for you, and get strategies for steady gains.

Read now

Real Estate Attorneys: What You Need to Know

Looking for a real estate attorney? Learn when to hire one, how to choose the right fit, and key things to consider for a smooth and successful home purchase.

Read now

What happens to a HELOC when you sell your house?

Wondering what happens to a HELOC when you sell your house? Learn how home equity lines of credit work during the sale process.

Read now

Mortgage advice lenders don’t (usually) tell you

Looking for mortgage advice? This guide breaks down rates, refinancing, and top FAQs to help you choose the best loan and timing for your home financing goals.

Read now

Income needed for 600K mortgage: What to know

What is the income needed for a $600k mortgage? Learn what percentage of your income should go to your mortgage and what factors influence your loan eligibility.

Read now

5 tips to prepare for a refinance

Considering a mortgage refinance? These 5 tips can help you make the refinance journey as smooth and successful as possible.

Read now

When did mortgages start? A recap of the housing market memory lane

Better compiled a list of 15 events and milestones in the history of the American mortgage system, using information from news articles, encyclopedias, and historical literature.

Read now

Can you buy a house without a down payment? What to know

Saving for a home can be tough. Can you buy a house without a down payment to make it easier? Discover the options and learn about the pros and cons.

Read now

Related FAQs

Interested in more?

Sign up to stay up to date with the latest mortgage news, rates, and promos.