Welcome American Express Card Members

Here's a special offer from Better Mortgage

Get an American Express Statement credit after you refinance or finance your home purchase with Better Mortgage. $2,000 for conforming or $6,000 for jumbo mortgages. Lock your rate by 4/4/24 and close by 7/8/24 to qualify for the statement credit — for eligible Card Members only¹ ² ³.

See Terms and Conditions below.

A family in a kitchen
A family in a kitchen

Dedicated concierge

Better’s dedicated concierge, developed exclusively for American Express Card Members, is available to guide you through all key milestones⁴.

No commissions

Pay no application, origination, underwriting, processing or commission fees. Other fees apply including an appraisal fee when you lock your rate⁵.

Competitive rates

Get a competitive and transparent rate.

House with yellow door

What makes Better different

Smiling, cheerful potential homeowner with preapproval documents

Pre-approval in as little as 3 minutes

Just a few clicks, a couple questions, and you can get your customized pre-approval letter to start shopping around.

Potential borrower calling for support from home

Ask Expert

Questions? Expert help is only a call, text, or email away.

Potential borrowers applying online at a coffee shop

100% online

From filling out your application to uploading your financial documents, you can do everything right from your laptop or phone.

For homebuyers

Whether it’s your first, second or third purchase, we’ve got articles and guides to help break it all down.

The definitive home buying checklistYour timeline for the homebuying processHow to make an offer on a home

For refinancers

If you’re thinking about refinancing to save some money, we can help break down why and how.

Start your application to access the offer

Better is dedicated to making homeownership faster and simpler, with superior customer support along the way.

© 2023 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 provides real estate services; Better Cover, LLC provides homeowners insurance policies; and Better Settlement Services provides title insurance services. All rights reserved.

Home lending products offered by Better Mortgage Corporation. Better Mortgage Corporation is a direct lender. NMLS #330511. 3 World Trade Center, 175 Greenwich Street, 57th 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.

Better Settlement Services, LLC. 3 World Trade Center, 175 Greenwich Street, 57th Floor, New York, NY 10007

Homeowners insurance policies are offered through Better Cover, LLC, a Pennsylvania Resident Producer Agency. License #881593. 3 World Trade Center, 175 Greenwich Street, 57th Floor, New York, NY 10007

Better Mortgage Corporation, Better Real Estate, LLC, Better Settlement Services, LLC and Better Cover, 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.

The Better Home Logo is Registered in the U.S. Patent and Trademark Office

Better Cover is Registered in the U.S. Patent and Trademark Office

Terms and Conditions
1. Offer Terms

The mortgage loan and mortgage services (including offer benefits) are provided exclusively by Better Mortgage Corporation, and are not provided, underwritten or serviced by American Express. This offer does not constitute an endorsement or recommendation of Better Mortgage or its mortgage services by American Express. American Express is not responsible for any of the activities of Better Mortgage. American Express’ responsibility is limited to posting the statement credit based on the data it receives from Better Mortgage.

Better Mortgage is solely responsible for making all credit and lending decisions including determining whether the mortgage loan meets offer eligibility requirements and the statement credit amount. For questions, please call Better Mortgage at 877-688-3252. American Express does not control mortgage lenders’ rates or fees, and this offer should not be relied on as the sole basis for determining the cost of your mortgage. Mortgage rates will vary by lender and you should shop around for the rate that is best for you.

This offer is not a commitment to lend, nor a guarantee that you will be approved for a mortgage from Better Mortgage. Offer only available on conforming or jumbo purchase or refinance loans.

This offer may be modified or revoked in whole or in part at any time. The effective date set forth at the top of this document indicates when these Terms and Conditions were last updated.

This offer is available for all US states and DC. This offer is not available in the US territories.

2. Card Member Eligibility

This offer is only available to basic account holders of a personal consumer American Express Card, issued by a U.S. banking subsidiary of American Express (“eligible Card Members”), that meet the following requirements:

  • Access the offer:

    • Prior to 4/4/24 (the “Lock Rate-By Date”), create an account with Better Mortgage by either: clicking the “I’m purchasing” or “I’m refinancing” link on; or

    • If you have already created an account with Better Mortgage, contact your Better Mortgage Loan consultant or call (877-688-3252) to request the offer prior to your loan closing; and

  • Lock your rate on a Better Mortgage loan application by the “Lock Rate-by-Date”, at which point an appraisal fee is charged; and

  • Qualify for and successfully close your mortgage loan with Better Mortgage by 7/8/24 (the “Close-by-Date”).

Offer cannot be retroactively applied to previously closed loans. This offer is not available to: Additional Card Members or holders of American Express Corporate Cards, Small Business Cards, Prepaid Cards and products, and American Express-branded cards or account numbers issued by other financial institutions.

3. Statement Credit

To receive the statement credit, the eligible Card Member must be a borrower or co-borrower(s) on the loan application and enter their own 15-digit card number when prompted by Better Mortgage. The card account must not be in a cancelled status at the time the statement credit is applied.

Card Members will not receive a statement credit if their mortgage: (1) closes after 7/8/24 “Close-by-Date” for any reason, including delays caused by events out of their control; (2) is not successfully funded; (3) is for a property in a non-qualifying state;

Better Mortgage, in its sole discretion, will determine the statement credit amount ($2,000 for a conforming loan OR $6,000 for a jumbo loan) at loan closing. American Express will post the statement credit based on the data it receives from Better Mortgage. These statement credits are limited to one per mortgage loan and cannot be combined with any other promotions, discounts or offers. Only one statement credit per property within a six-month period.

Not all loans will qualify. To learn more about conforming and jumbo home loans, call Better Mortgage at 877-688-3252 or visit

The statement credit will be applied to an eligible Card Member’s account 8-12 weeks after their mortgage loan is funded. There may be situations where Better Mortgage needs to contact the Card Member to confirm details related to statement credit fulfillment. In these cases, there may be a delay in applying the statement credit to the account if Better Mortgage is unable to reach the Card Member in a timely manner. The value of the statement credit may be taxable income for Card Members, and they are responsible for any federal, state or other taxes resulting from this offer. Card Members should consult a tax advisor with any questions about the tax treatment of statement credits.

The statement credit will not count as a payment towards your Minimum Payment Due, and you must pay your Minimum Payment Due in full by your due date.

4. Dedicated Concierge

Eligible Card Members will be able to supplement their online, digital loan application and closing process, available through Better Mortgage’s website, with a dedicated concierge, assigned following pre-approval (or at the time the Card Member calls 877-688-3252 to request it), who will be their primary point of contact and provide assistance throughout the loan application process. Other Better Mortgage team members may contact the Card Member on an as-needed basis.

5. Better Mortgage Fees

Better Mortgage does not charge application, origination, underwriting, processing or commission fees. Other costs and fees will apply, including the appraisal fee required to lock your rate.

Better Mortgage is an Equal Housing Lender. As prohibited by federal law, Better Mortgage does not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers Better Mortgage’s compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

BETTER MORTGAGE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, PROMOTIONS AND BENEFITS AT ANY TIME WITHOUT NOTICE. Mortgage rates and terms are subject to change at any time without notice and are subject to state restrictions. Better Mortgage Corporation, 3 World Trade Center, 175 Greenwich Street, 57th Floor, New York, NY 10007. Tel: 888-501-3186, Fax: 408-946-0112, is licensed by the Department of Business Oversight under the California Finance Lender Law License No.6052748, NMLS # 330511. (

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