Better Mortgage Prescreened Offer Rate Lock in 24 Hours Closing Cost Promotion Terms and Conditions.

1. Better Mortgage Corporation (“Better Mortgage”) is offering qualified customers $1,000 in the form of lender credits to be applied to reduce the closing costs of their mortgage loan (the “Mortgage Loan”) subject to the eligibility requirements and criteria set forth below (the “Offer”). The Offer is limited to qualified customers who received a prescreened promotional text (SMS) message for the Offer and who were subsequently provided a promotional banner for the Offer within Better Mortgage’s online mortgage lending platform during the Mortgage Loan pre approval process. In order to obtain the Offer, qualified customers must qualify for and start the Mortgage Loan application process with Better Mortgage, meet the requirements to lock a rate on their Mortgage Loan, subsequently lock a rate on the Mortgage Loan within 24 hours of being provided the promotional banner for the Offer within Better Mortgage’s online mortgage lending platform, then successfully close on the Mortgage Loan.

2. To be eligible for the Offer, Better Mortgage users must:
   (a) Be a U.S. citizen, permanent resident or non-permanent resident (certain visa categories only) purchasing or refinancing a primary residence, second home or investment property located in a state where Better Mortgage is licensed to originate mortgage loans;
   (b) If purchasing a primary residence, second home, or investment property, possess a signed purchase agreement for the property when they start their pre approval process;
   (c) Receive a promotional prescreened text (SMS) message for the Offer on or after December 20, 2022;
   (d) Have a promotional banner for the Offer displayed within Better Mortgage’s online mortgage lending platform during their pre approval process; and
   (e) Complete each of the following:
   (i) Complete all tasks required to lock a rate within 24 hours of being provided a promotional banner for the Offer within Better Mortgage’s online mortgage lending platform; and
   (ii) Successfully close on their Mortgage Loan with Better Mortgage.

3. Upon qualifying for the Offer, Better Mortgage will apply the Offer in the form of lender credits to reduce the final closing costs on the customer’s Mortgage Loan due at closing. The Offer can only be applied once per Mortgage Loan.

4. The Offer is only available to users applying for purchase or refinance loans on properties located in the states in which Better Mortgage originates loans. The Offer is subject to all applicable state laws and is available in all 50 states and the District of Columbia. The Offer is not available for customers who have locked a rate for their Mortgage Loan prior to receiving a prescreened promotional (SMS) text message for the Offer.

5. Better Mortgage is an Equal Housing Lender. As prohibited by federal law, we do 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 our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

6. BETTER MORTGAGE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, PROMOTIONS AND BENEFITS AT ANY TIME WITHOUT NOTICE. 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. (www.nmlsconsumeraccess.org)