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BestMoney.com
Better Review
Top-rated lender with no fees or commissions
Reviews 1,532
Better
NMLS #330511
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Better
Better
Excellent
Reviews 1,532
Visit Site
Nadav Shemer
Jan. 22, 2023
2 min read
Nadav Shemer
Better summary
Better Mortgage is streamlining and simplifying how Americans buy homes. Their tech and tools provide a fast and transparent digital mortgage experience backed by 24/7 customer support. Better Mortgage has funded $100 billion in home loans, entirely online.
Pros
  • $0 application fees, origination fees, or underwriting fees
  • Get pre-approved in 3 minutes with no hit to your credit score
  • Agents available 24/7 or apply online anytime
  • $100 billion in total funded loans entirely online
Cons
  • Better may transfer your loan to another service provider
  • No USDA or bridge loans offered

Better at a glance

4.6
Editorial score

Customer Service and Support

7 day a-week phone support
5.0

Variety of Loan Types

Purchase, Refinance, Jumbo
4.0

Variety of Products

30-year, 20-year, and 15-year fixed rate and 10/1, 7/1 and 5/1 adjustable rate
5.0

Online Experience

Helpful online resources, very easy to use website
5.0

Geographical Availability

Available in all 50 states for conventional and FHA loans, VA loans available in most states
4.0

Better Better Visit Better

Overview

Better Mortgage is a lender for the digital age. It’s one thing to offer online applications; Better Mortgage goes a step farther, utilizing a proprietary algorithm to quickly assess and approve home buyers from a diverse range of backgrounds. Thanks to its 100% digital platform, Better is able to save on overheads. This allows it to charge borrowers no origination fees, no lenders fees, and no commissions. This platform really is digital from start to finish. You can log in anytime to see where you are in the process and what can be done to keep things moving.

Suitable For?

All types of borrowers that meet the minimum credit score requirement stand to benefit from Better’s streamlined online mortgage process. However, the group that stands to benefit most are minority borrowers. As Fortune noted in their review, Better’s customer base is dominated by groups like single women, minorities, and LGBT couples who have traditionally found it difficult to get approved by mortgage lenders.

Types of Loans/Products

Better Mortgage offers conforming loans only, with a choice of fixed or adjustable rate mortgages. In addition to conventional mortgages, it offers a wide range of other products and benefits.

Other Products:

  • Better Real Estate. Matches you with a trusted real estate agent. Tell Better what you’re looking for, then it will match you with a specialist and pass along the savings to you (up to $2,000 off closing costs).
  • Better Cover. Whether you’re buying or refinancing, all Better loans need homeowner insurance. Fortunately, Better can match you with the right carrier in seconds, using the information you already provided in your application. You don’t have to do anything except decide whether to accept.
  • Better Home Card. A credit card with a personal line of credit to use on furnishings, appliances, and upgrades for a house. Get access to the credit line for 1 year and pay back what you spend in the next 3-5 years. 

The Application Process

Better’s application process is entirely online and takes only 3 minutes to get pre-approved. 

  1. Answer basic questions about your financial situation, home equity, or prospective property 

  2. Receive an initial loan estimate 

  3. Connect with a dedicated loan officer for more in-depth support along the way 

  4. Complete a checklist of tasks which you’ll receive with your loan estimate 

  5. Request to lock in a rate. 

  6. Close on a mortgage loan within 34 days after rate lock, often 10 days faster than the industry average

Rates and Terms

Better’s repayment terms are 15, 20, or 30 years, with 5/1, 7/1, and 10/1 options for adjustable rate loans. Since all of Better’s loans have no prepayment penalties, you can pay the loan back sooner than the end of the repayment term if you wish.

Better’s rates are extremely competitive. Most of all, it offers real-time, transparent rates on its website, without having to make a formal request. 

Help & Support

Better offers a single, dedicated loan officer to every applicant to help you through the loan process. In general, you can get in touch with Better’s customer support by email, via phone, or by scheduling a convenient time for a representative to call you back using the online form. Better offers 24/7 support.

Better offers plenty of information on the website with an easy to find and easy to navigate FAQ section and lots of educational resources.

Summary

Better is one of a handful of tech-driven digital mortgage lenders disrupting the traditional mortgage industry. With a speedy loan approval process, competitive APRs, and no origination/lender fees, it’s an option worth considering if you’re in the market for a loan. Although it imposes the same minimum 620 credit score characteristic of most lenders, or even 580 for FHA loans and VA loans, its algorithm makes it more favorable to people in the 620-700 range than its rivals.

FAQ

Q: Will Better service my mortgage? 

A: Yes, but not necessarily for the entire lifetime of the loan. At some point, Better might transfer your loan to a permanent servicer. It has a large roster of servicers and mortgage investors, including major US banks, government-sponsored entities, and specialized servicing firms. Better will notify you if it transfers your loan to a third party.

Q: Does Better offer commercial or construction loans? 

A: No, there are no commercial construction loans at this time. 

Physical Address

Better Mortgage Corporation

3 World Trade Center, 175 Greenwich St, 57th floor

New York, NY 10007

Better Better Visit Better

Nadav Shemer
Written by
Nadav Shemer
Nadav Shemer specializes in business, tech, and energy, with a background in financial journalism, hi-tech and startups. He enjoys writing about the latest innovations in financial services and products. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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Trustpilot reviews
See what some costumers are saying about Better
Better
Excellent
•
Reviews 1,532
on
Excellent
76%
Great
5%
Average
2%
Poor
2%
Bad
15%
B
bahar
22 days ago
Jai was brilliant from the initial…
Jai was brilliant from the initial conversation all the way to getting us an offer, absolute star who listened to everything I wanted but also gave me his expert opinion which helped me change my mind for the better, and also got us an offer within 2 days I am so impressed, my 5 star is solely based on Jai, cannot wait to use him again !! Can’t forget Ashleigh, our case manager either- she kept us updated at each point of the application; thanks for all the hard work!
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anm
15 days ago
Was great, until it wasn't.
Everything was great until it wasn't. The service was 10/10 for the first few days which really sold us and got us to apply for a loan. After the application process, everything immediately changed and took a nose dive. Our "Closing Coordinator" was very uncommunicative and when you could finally reach him, very unpleasant to speak with. As a first time home buyer, we knew nothing about the process - and he had no interest in educating us or ensuring us that everything was going smoothly. For a process that is already very complicated and intimidating, he successfully made it worse.
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austin
a month ago
Pros/Cons:
Pros/Cons: I want to preface this with saying I am a manager at a mortgage company and I got in all documents requested within 2 hours of them being needed(This is normally what causes delays in 90% of loans). So I am just being blunt on what I think and my experience. Pros: the loan officer Christina was great. After the initial loan estimate/conversation her job is not to keep your updated on the process but instead the coordinator. Christina still took the time to respond to me after the fact. The user interface and being able to create your own loan estimate upfront is the best I've seen by far and really let's you know what your options are. Also I was able to get a much better deal than anywhere else even with a broker who I had used before. This leads me to believe Better lost money on this loan and is actually struggling as a company. Cons: Worst customer service possible after the initial loan estimate/ purchase contract signed. The loan coordinator/processor Cassandra was supposed to take the reins and keep me informed. She didn't reply to my agent or I's emails/calls once the whole process. The only reason I found out they couldn't contact the title company was after I reached out to a customer service rep/called the title company myself. Which I will say this was actually my fault for providing the wrong contact at the company. However why not let me know you cannot contact them after 2-3 weeks? That was hiccup one, but after that it was fine up until closing. I was given a seller credit after the initial closing disclosure went out on 1/31. I asked them to update it 2 times prior to about 2/20 so it would be accurate for closing. Christina would respond but the closing department was doing nothing. The night prior to the day I needed to wire all closing funds I still was not given a number of what was needed until I emailed/texted/messaged a rep/called a rep. I actually had to follow up 4 times that day. It was send out at 9pm after I finally called at 7pm. This is baffling because 1. I asked 2 weeks prior for this. 2. The company makes money when the loan closes so this should of been a top priority. 3. at the company I work at someone would be fired/closed to being fired for such a lack of customer service. In summary I got a great loan and closed on time but the customer service was absolutely terrible. I do think if you are refinancing with them it most likely is a lot smoother since it takes a seller/agent out of the picture.
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steve gable
a month ago
Happy Customer
Great people to work with. They were there every step of the way answering all my questions and providing solutions to any hiccup that happened. The program they have is easy to follow and saved me tons of money. I will use them again and I will highly recommend them to anyone that needs in need of a home loan.
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anderson burris
a month ago
First time home buyer
I am a first time home buyer. I could not get a better rate anywhere. I received my loan estimate and sent it out to multiple loan companies. Big banks and small local banks. They would call me back hours after submitted better mortgages loan estimate and tell me they could not beat the price. The experience I had with better mortgage was great. I recommend going with better mortgage after you do the due diligence of comparing rates and estimates. You won't be disappointed or discouraged after you fully commit to better mortgage.
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victor cruz
a month ago
Very satisfied with Better Mortgage Team
Better Mortgage made the process of buying my first home easy and hassle-free. I had an excellent Agent, Josef Scigliano, always answering my questions and requests. I do recommend Better Mortgage, as soon as my offer was accepted, they worked really fast to close my purchase. Thank you!
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julia casselman
a month ago
Compare and See - they are Better
They will answer any question you have in whatever medium you prefer with as much explanation as you desire. I was never left wondering what was going on, and they were extremely patient when they answered the same question multiple times. I researched a lot of banks and mortgage companies, and no one had a better overall rating or lower costs. It was a no brained. Another mortgage company asked me to give him a chance to see if he could do better. He could not! He was not Better. 😉
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patrick carter
a month ago
The team at Better were such a pleasure…
The team at Better was such a pleasure to work with. They helped me quickly expedite closure and as the home buyer I was ready to close within two weeks. Everything was spot on and the task manager really helped me keep abreast of the items I was responsible for in purchasing my new home. Communication was fantastic and the team was quick to respond to my questions
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r c
a month ago
Highly Recommend Better.com
This was my first mortgage, in Brooklyn, New York; buying a condo direct from my landlord (no broker). The online process was smooth and efficient. Ankit S. was my my home advisor, very patient with all my questions. I highly recommend. I had been working with an agent who tried to scare me into not using Better.com - saying they don't know Brooklyn, don't know how to do condo mortgages - all proven to be false. Better.com was able to give me a much better rate and guarantee it for a longer period of time.
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tamar cohen
2 months ago
AVOID BETTER AT ALL COSTS
This was the WORST experience I have ever had with a lender. They basically were trying to deny us the loan and prevent us from purchasing the house, making absurd requests. They would not accept our documented rental income or my husband's professional license from the state we live in. They pulled credit 3 times. When the appraisal did not come in on time they would not get a replacement appraiser until it was a month out. Our "team" had people removed from it repeatedly. It was only due to the fact that one person argued on our behalf that our loan got approved. ABSOLUTELY horrific.
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alice bennet daniel
2 months ago
I am very happy with the services of…
I am very happy with the services of Better Mortgage. The team was very clear with their direction & very quick with the entire process.
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oscar mullins
2 months ago
Awful!!
Awful!!! The worst experience of my life!!!
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emma
3 months ago
ANNOYING KEEP HASSLING
Most annoying company ever keep calling even though I've explained I only signed up as I thought I would get a comparison and not interested but they still keep calling daily.
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felix johnson
4 months ago
They did ok I guess
They did ok I guess, their service and support and my consultation wasn't anything that stood out, i think i will still look around and see what other companies have to offer, just felt very average
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christina
5 months ago
Better Mortgage simplifies the process
Better Mortgage simplifies the process. A representative is assigned to your account and works with you and communicates each step of the way. When the closing is assigned you select the appointment day and time and they come to you. It was so easy working with them.
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crystal james
5 months ago
Go Elsewhere, 0 Customer Service
Customer service is terrible, my loan consultant didn't even try let alone respond to my emails. I was shopping rates and I was approved by various other lenders but the individual that I was working with provided no customer service and didn't even give an effort. I contacted customer service to see if I could be assigned a new team and they were virtually no help, they just said sorry and I understand your concern. Jesse Padgett was the loan consultant, and my experience was a 0 star. Not personable experience at all.
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pamela palmer
5 months ago
Kristy and her team was amazing!!
Kristy and her team was amazing!!! I would refer Better anytime!
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ken blackburn
5 months ago
On line task tool works well to keep…
On line task tool works well to keep the process on track with few surprises.
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athen jones
5 months ago
Better is a Great team to work with.
Better is a Great team to work with in our home buying experience. Hopeful to work with again soon! Thank you so much!!
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kim
5 months ago
From the beginning of my refinance to…
From the beginning of my refinance to the end I had a great experience with Better, especially great help from Chris Flowers
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alana
5 months ago
don't waste your time
If you don't reside in the US, don't waste your time with better.com - don't go through their entire process just because their advisors on the phone tell you that they can help you with a mortgage, because they really Don't trust what their advisors on the phone tell you and absolutely don't pay the appraisal until they tell you that they can do the mortgage.
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keith hardin
5 months ago
Better is the Best
The team at Better kept me well informed on the process associated with buying my home. they were really courteous, knowledgeable, available and helpful in the process. I will recommend them to friends and family.
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kate
5 months ago
I had an Excellent experience w/Better.com
I had an Excellent experience w/Better.com mortgage. My loan processor ‘Hillary Hall’ was fast to respond to any questions I had. I loved the easy ‘On-Line’ Application. I uploaded all the required documents. I got a confirmation that everything was received and under review by the loan underwriting department. I was told to check the online ‘status’ every day, which I did. They did have a few questions on some of the documents I submitted, so I had to provide additional documentation. A week or two later, I got a message from them telling that my ‘loan has been approved’, AND they were going to be able to close early! A few days later, a notary company called me to say they had all my mortgage loan documents, and were ready to meet with me at my convenience, so I could sign them & they could notarize them. I was expecting a lot more hassle. My mortgage application was started and closed in 25 days. Amazing. No problems at all.
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richard gieske
5 months ago
Excellent Customer Service and Guidance
Grace expediently got me on track for the loan that met my needs, making it easy to consolidate some higher interest debt while taking some cash out of my home's equity to help pay for my daughter's college tuition.
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daniel lennox
5 months ago
Great Experience
Process was easy, efficient, and the team was clear on next steps throughout. This is now my third mortgage/refinance done with Better and the process gets easier each time.
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anand rao
5 months ago
Great experience
Great experience! Loved the detailed yet simple online application process and competitive rates.
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sriram
5 months ago
Everything went very smoothly
Everything went very smoothly. Ruby was great at guiding me through the process and the technical prowess of the product is obvious.
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aparajith
5 months ago
Good experience
Overall had a good experience. They did the process smoothly; no problems. My only gripe was it was a little hard to get a person to speak to regarding the mortgage if I had questions.
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vidya sagar rao madhavarapu
5 months ago
Our experiences with Better
We had a great experience in closing our loan with Better Mortgage. Process was easy did not have any issues dealing with out of state lender via internet. I would recommend Better Mortgage to anyone looking to finance there home.
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anonymous
5 months ago
Eric is a top notch loan consultant!
Eric is a top notch loan consultant that made me a believer in Better mortgage. As a small real estate investor, he gave me the best rate, best terms and ultimately the best service (his team included of course). Give Eric and Better a try and you’ll see why they truly are Better in so many ways. Thank you!
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ron hansen
6 months ago
Very easy and convenient experience in…
Very easy and convenient experience in refinancing our mortgage. Lance and his team were easily accessible and able and willing to answer questions and guide us through the hole process. We never had to leave our home. The appraisal was coordinated by Better and the closing was in our home - both at our convenience.
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george
6 months ago
Better, a good mortgage lender
Choosing a good mortgage lender is crucial, whether you’re buying a home for the first time or refinancing an existing loan. BETTER checks all the boxes and is consistently your best choice.
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andrew k
6 months ago
I didn't expect Better to be this good
I didn't expect Better to be this good. I decided to use Better because of their (much) better interest rates. Their customer service was excellent. Even my agent and title company were pleasantly surprised after having difficulties with other online lenders.
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lic.enrique ortiz
6 months ago
Excelente Refinance withower
I Refi my house with Low interest in the market, lower closings costs, I am very happy, with my new loan I save $6,500 annually, Thank you fir your excellent services
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lilly velazquez
6 months ago
Easiest Refinancing ever.
The entire refi process was so easy and everyone was so helpful, professional, and informative.
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jeff o.
6 months ago
Better is terrible
Better is terrible. I had a horrible experience top to bottom buying a home last October. They not only made mistakes every step of the way (mistakes are understandable, but at some point you have to be competent), they handled their misteps with horrible communication and internal finger pointing. I wouldn't recommend Better to my worst enemy. Avoid at all costs
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elene whalen
6 months ago
I had a fantastic experience working…
I had a fantastic experience working with Elie Khouri at Better.com. I’ve done several refi’s and property purchases over the years. The lending process has ALWAYS been a nightmare!! My experience has left me feeling awful and blindsided. Working with Elie Khouri at Better.com was an ABSOLUTE PLEASURE!! I would recommend Mr Khouri to anyone at any stage of their lending process.
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philip jones
6 months ago
Quick and easy
Quick and easy. Evan was the most responsive agent I have ever felt with. Excellent customer service.
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jonathan bailey
6 months ago
Very easy
Very easy, totally electronic experience. No surprises and closed on schedule. Reps maintained contact throughout and answered any questions promptly.
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hilary
6 months ago
I was overcharged due to a Better Mortgage Mistake
Because of a mistake that Better Mortgage, one of my payoffs was late and caused a $831 extra payment that I had to make. I tried to contact Better Mortgage and my mortgage consultant Tania Monjazeb was no longer available after the closing. I was very disheartened with that lack of follow up.
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joe hamilton
6 months ago
Easiest loan yet!
I’ve purchased and sold many homes over the years and my experience with Best was the easiest and quickest. The team is very responsive and promptly respond to queries. I never was concerned about progress with my loan because the electronic tracking form was easy to understand and I was able to see the completed tasks and the uncompleted tasks.
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john leak
6 months ago
My experience with Better Mortgage was…
My experience with Better Mortgage was great. My contact was Sarah Hoogerhyde she was awesome! When I had questions and problems she solved them quickly and professionally.
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peggy djus
6 months ago
Doing this refi was the easiest I have…
Doing this refi was the easiest I have ever done. The agent was sooooo helpful and knowledgable. I made appointments to talk to her and get answers to questions which I loved!!! No "on hold" for hours. The process was totally painless and I was able to get the absolute best rate with the agents help. I can't say enough good things about this company and my agent.
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mark centralpa
6 months ago
Enjoyable refinance for remodel
Our house is well over 100 years old and the time had arrived to tackle a few major projects. We contacted the folks at Better . com to inquire how their process worked. We answered a couple questions, mostly what we had in mind and qualifiers. Once that was in place, a series of documents were requested and we returned via a secure upload procedure. The entire process was online and by phone until the actual closing, very seamless and when questions arose, the Better staff was quick to get us the answers we needed to move ahead. The closing was scheduled at a time & day of our choosing with a local closing agent. We couldn't be more pleased with how this whole process moved along from 1st contact to closing.
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jamie
6 months ago
Better made the home buying process so…
Better made the home buying process so easy! I was able to submit the required documents whenever I had a few moments. They were quick to respond to questions and the website was easy to use.
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cindy hollis
6 months ago
It was amazing
It was amazing. Very smooth process. Stephanie and her team were great to work with. Kept us informed of tasks, timeline, etc. I highly recommend Better and have done so since our experience with them in 2021.
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ds
6 months ago
Thank you Sasha @ Better
Sasha and team at better mortgage did a great job getting the mortgage done right in time. Appreciate the quick turnaround, responsiveness, co-ordination and helping to get this done. On an interaction level I had lot of questions and clarifications and the team promptly answered them. Overall great experience by the team on ground. Thanks Better !
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m v
6 months ago
The easiest refinance process ever
The easiest refinance process ever. The workflow made it so easy to upload documents. Thanks for a quick turnaround
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steve walker
6 months ago
Better
Excellent team to deal with throughout process. Answered any questions I had and were very professional.highly recommended.
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sara rakow
6 months ago
I was afraid of buying a home because…
I was afraid of buying a home because the loan process was so confusing. Better was so simple the people there were there every step of the way and we’re always so helpful. This experience was so great.
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lina
6 months ago
Refinance
My husband and I refinanced though better mortgage for a lower interest rate. We had a great loan advisor and an easy experience. It was all online and we had someone come to our house for to sign the final paperwork. I did look around at better rates with 3 other companies and no one even got close to the rate we got!
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suchpreet gill
6 months ago
I had a wonderful experience with…
I had a wonderful experience with better mortgage. They are so helpful. Everything was line up so i was wondering or confused that wat the next step is. What happened what gonna happen what the next step gonna be everything was there and explained. Ppl was telling me how i made a mistake to get bank online and i was new. But they helped in every step and make everything for me(first time buyer). Thank you very much michelle shah and all the team.
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sheka
6 months ago
Superb
I honestly had a wonderful experience from start to finish. I was able to close within 30 days without too many hiccups. The only frustration that I experienced was having to schedule times to meet with my loan officer which would prove to be difficult during crunch time of getting in all paperwork on time, but it got done. My Better realtor C.Watkins was a dream come true... she was patient, dedicated, and understanding. So, overall I'm a happy new homeowner!
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elsie
6 months ago
Happy customer
Each step Better Mortgage was holding our hand. They were very thorough in their dealing with us. I highly recommend them.
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joan
6 months ago
This was THE BEST
This was, hands down, the best mortgage experience ever (and I’ve been through quite a few). I wasn’t sure what to expect from the process, but Better Mortgage and the team that supported my process made it easy every step of the way. Between texts, calls, emails and online chats they had me covered at all times.
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jennifer de la torre
6 months ago
Loan Officer was always quick to…
Loan Officer was always quick to respond to my questions. Whole process was quick and went smoothly!
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srikanth avala
6 months ago
The whole process was fast and seem…
The whole process was fast and seem less. Except maybe for some minor hiccups with the insurance and docs.
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nicole bryant
6 months ago
Better is an excellent company!
Better is an excellent company. The process for getting a mortgage refinance was very clear, transparent and fast. I highly recommend using their services!
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michael pingree
6 months ago
I was a first time homebuyer...
I was a first time homebuyer and not sure what to expect of the process. All I can say is that the process could not have been any easier. I loved doing it all online but also knowing I had access to real people when I had questions or concerns. I will absolutely use Better on any future real estate purchases.
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ac
6 months ago
GREAT EXPERIENCE WITH BETTER MORTGAGE…
GREAT EXPERIENCE WITH BETTER MORTGAGE LANCE ZACARIAS WAS EXTREMELY KNOWLEDGEABLE AND HELPFUL WITH THE FULL PROCESS FROM START TO FINISH.
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michael jones
6 months ago
My experience with my refi was great…
My experience with my refi was great with Better. I highly recommend. Thank you
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sabine grant
6 months ago
Love Meg
Love Meg! Amazing follow up. 100% truth in lending. 🏆
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nickolas giobres
6 months ago
The process was really smooth with…
The process was really smooth with great communication. If you have all of your paperwork in order, everything moves along pretty fast. Tarun, my rep was great!
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patrick goeglein
6 months ago
I’ve been in Real Estate for 30+ years…
I’ve been in Real Estate for 30+ years and Tyler was a true joy to work with. I’ve been a Broker, Own an escrow company, and own a 1031 Accommodator company. I know real estate and what can go wrong in a transaction. Tyler looked out for me and helped myself and my wife through this stressful process. I couldn’t have been happier with the outcome. Use this company and Tyler. Both were great to work with.
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bonnie r.
6 months ago
Go Better for your next Mortgage
I worked primarily with Jonathan Tramotano and Kim Taylor and they were both awesome! We were moving from WA to AK and they made sure everything went smoothly. I would highly recommend Better for your next mortgage.
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arun seth
6 months ago
It was a very simple and comprehensive…
It was a very simple and comprehensive experience!
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john gray noqc
6 months ago
Joshua H was great very tentative and…
Joshua H was great very tentative and answered all of our questions my refinance process was done in 30 days Flat...5 Stars💯
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marlon
6 months ago
Chris was a great help and we loved…
Chris was a great help and we loved working with him!
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matt smedley
6 months ago
Anthony was fantastic in guiding me…
Anthony was fantastic in guiding me through the process. Also was resourceful in fixing a possible documentation issue that could have slowed things down.
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anthony crossland
6 months ago
This was our first time buying a home
This was our first time buying a home, and the process was smooth with Joey! We are in love with our dream home!
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laini sunkavalli
6 months ago
Easy and straightforward process
Easy and straightforward process! Really appreciate all the support.
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olayinka martins
6 months ago
Better Mortgage is answer to dream come…
Better Mortgage is answer to dream come true. I have been thinking of buying a home of my own for a while, i spoke to some lenders but i wasn't comfortable with their rate, terms and conditions, not until i stumbled on BETTER MORTAGE online, i decided to give it a try. I was amazed at the speed at which i was able to conclude the home purchase between mid-July 2022 to August 31, 2022, when i closed my home purchase. It was a fantastic experience working with Joel, my loan officer. The professionalism displayed by the entire team is top notch compared to my experience with a particular lender whom i wont quote here. It's my pleasure to introduce and recommend BETTER MORTGAGE to potential borrowers. With them you are assured an excellent and speed service.
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kathryn watson
6 months ago
A better experience with Better
My experience with Better just kept getting better and better. We could not be more pleased. The team was responsive and understanding. Buying a new home can be stressful. The Better team took away some of that stress. They were knowledgeable and helpful. My Realtor was also very impressed. Aimee was hesitant when I said I was going with an online company. But she is singing your praises now. The online process was streamlined and easy to use. Thanks so much!
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john b.
6 months ago
Smooth experience with online portal
The online portal provides for a smooth experience throughout the entire process. You are able to see the exact interest rates for your particular purchase price ahead of time so the process is very transparent as well. The loan officers are very knowledgeable and responsive. I would use Better Mortgage again for my next mortgage and I recommend them to others looking for a hassle free mortgage experience.
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erin rexford
6 months ago
I had a great experience with everyone…
I had a great experience with everyone at Better mortgages. They were knowledgeable and so detailed along every step of the way. Olivia was so kind and patient. Justin was on top of every detail. And they really can help find you the best product for home loans
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lili wei
6 months ago
I will say the whole mortgage process…
I will say the whole mortgage process is very good and my lender agent is extremely helpful and patient to answer all my questions. The only thing is that the communication with title company caused some misunderstanding.
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macie korte
6 months ago
responsive, available, clear, great website
Better.com was very responsive and always had the next step in my mortgage process ready for me as soon as the previous one was cleared. If I got confused about anything there was always somebody ready to call me and clear things up. Their website was incredibly intuitive with a list of done, in progress and unstarted tasks. All steps well well integrated with their website. Smooth from start to finish.
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yb
6 months ago
Fair Interest rate. Service level poor, OK on document management
Better Is a company that makes the document submittal very easy which is great on a purchase as big as a home yet they lack heavyly on communication skills, accountability, responsiveness, reaction, proaction and level of answer. Their communication platform has so many layers that makes it very frustrating. They have a system of tickets where they tag the people who they think is involved in give you an answer on any giving topic, but we often encountered that our inquiries were not been taking care of because the designated people was out of office.
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michelle torres
6 months ago
Absolutely fantastic
Absolutely fantastic all around. I always had quick access to a real person whether on chat or phone within minutes. The website is so clear to understand and everything moved so quick we closed a week early. Will recommended to anyone! Wish I used them on my first purchase.
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skibradshaw
6 months ago
Super helpful and efficient!
Super helpful and efficient!
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steve r
6 months ago
Great Experience
We went with Better when none of the other lenders we were shopping around with could come close to their rate/credits. We had a little less than a month left until closing and the other lenders told us that Better would not be able to meet that deadline. They were ready to close with a week to spare.
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don tinder
6 months ago
Wonderful experience
Wonderful experience! Love the customer service and the attention to detail
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lacie bowdoin
6 months ago
Didn’t leave me hanging with questions.
Better always, always responded to my emails and calls in a timely manner. They did not leave me hanging on what to do. This was important to me as you don’t buy a house every day and there are a lot of questions. They also worked well with my realtor.
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paul bacak
6 months ago
I found Better to be a great mortgage company…
I found Better to be a great mortgage company to work with. They looked at my family’s needs and made it happen! Very grateful for the quick response each step of the way!
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tim lawrence
6 months ago
Thank you better.com and Jesse!!
better.com made the painful process of buying a home SO much easier! Gone are the days of mind numbing piles of “to do” lists. The bite size chunks of tasks assigned are simple and clear. No question of what you need to do, it’s all there. And Jesse, my advisor was awesome to work with. Professional, funny, quick response, a really nice person that if/when I buy my next home will HAVE to be my go to guy!
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tori
6 months ago
Straightforward, good company
Good company. Their staff was nice and mostly knowledgeable. My only issue was that I had to pay $600 for an appraisal just to compare lenders. I went with the other lender and couldn’t figure out how to get my $600 refunded. A year later I finally filed a complaint with BBB and they quickly issued a refund. Highly unusual that you would need a refund and despite this, I highly recommend using Better.com. As an underwriter, I am intricately familiar with the lending process. There were several things I was required to provide that were to check a box rather than a true need. This is where I didn’t feel their staff understood enough of underwriting to be able to leave off the non-essentials that add no value and waste your time. They have a team that makes sure all boxes are checked BEFORE you go to underwriters…and those initial people don’t underwrite, so they have no concept when you try to explain why that particular piece of info is irrelevant and not required by law. And I confirmed that these items weren’t “required” because the other lender (that ended up closing my loan) never asked for them. All in all, the rate I got from Better was umm…slightly better. I went with the other lender because they seemed more experienced and mostly, he told me I would close 2 weeks early. In hindsight, I would take the hassle of digging out some extra docs for the lower rate with and straightforwardness of Better.com. The other mortgage broker showed his fee as $1000, gave me several disclosures showing $1000 to him…until the day of closing, then slipped in a new disclosure with a $4250 fee to him. (This fee from Better would have been $500) So my choice was to cancel closing and lose my house that had a backup offer waiting, or close and pay him his illegal $4250. (They cannot legally increase fees within 5 days of closing). I closed and paid it. And six months later - before I found time to report him for violating lending laws - the mortgage company realized it and sent me a check for $4250. So as a banker, I would recommend Better.com. And will use them if I ever buy another house. Brokers can be sleazy and I feel that Better.com is a good company that follows the rules that are designed to protect you. They don’t have brokers. You pay them $500 straight up versus a broker getting paid $4250 for collecting your paperwork and emailing it to the lender. And it turns out, my mortgage would have closed on the same date no matter which lender I chose. They all set the date to what the contract said and made zero effort to close before that date. Although one lied and said we would close earlier and Better told the truth.
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sergey lyashenko
6 months ago
Great service, really recommend
The overall experience was outstanding—a friendly platform with good technology. And the excellent team ready to help if any questions apperar. I was impressed by how easy the mortgage process was to deal with.
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lisa
7 months ago
My Better Review
Everyone I worked with (Joe Laughon, Alyssa Segui, and Courtney Beacham) was very responsive, and their answers to my questions were complete and helpful. Alyssa Segui was especially helpful. I especially like the dashboard and the task list that made it very easy to keep up with what needed done throughout the process.
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akhil oniha
7 months ago
Fantastic home buying experience
Nothing but good things to say about my experience with Better. The website is very intuitive and user friendly. The Better team worked exceptionally fast in requesting and processing all the necessary documentation to keep my purchase on schedule. Special thanks to my Home Advisor Mr. Andrew Fernandez. He was highly responsive to all my inquires and I always felt well informed during every step of the buying process. I can say unequivocally that this was the best home buying process I have ever undertaken and I'm certain that when an opportunity arises to refi or if I need to purchase another home, I will be looking to use Better's services again. Kudos to a company that truly lives up to their name.
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chuck hoskins
8 months ago
Making the Dream possible
The pre-approval process was seamless and even thou a few hiccups occurred, the team at Better was committed to seeing it to the end. Ankit was fantastic and I appreciate the whole team at Better. Thank You!
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kyle
8 months ago
Overall - Good Experience
The process was easy. Terrence Wolfe communicated often and honestly throughout the process. The task manager was simple and easy to use.
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aaron stevens
9 months ago
45+ days past closing, not settled
I’m at 45+ days past closing and some of debts have still not been paid off due to the slow and lax settlement process from better mortgage. Stay away and re-fi or purchase locally.
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thomas healy
9 months ago
I DO NOT RECOMMEND BETTER.COM…
Better.com mortgage company‘s quickly ordered an appraisal that I paid $550 for. Then denied my loan. I absolutely do not recommend this company
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rob
9 months ago
Overall a smooth and mostly painless process
Ankit was my loan officer, and was great throughout the process. At certain points I needed help navigating what was needed, and he was readily available to either chat, text or email. We were able to move fairly quickly through the underwriting process, and closed on time. The underwriting process was a little frustrating at times as additional information became needed, but Ankit really helped resolve a few issues and keep things moving. On his end, it was a great experience overall.
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jonathan lankford
9 months ago
A horrible experience from beginning to…
A horrible experience from beginning to end. I applied for a mortgage with Better and initially found the pre-approval process smooth and the online account dashboard very user-friendly. That's the sum of my positive experience. I opted to use a recommended Better real estate agent so I could take advantage of some perks they had to offer by using their lending and real estate service in tandem. One problem with this was that neither my home loan representative nor my real estate agent was local to the area. The home loan representative was out of state, and the real estate agent was in downtown Nashville in Davidson County (while we were looking to buy in Sumner County). This made most of the communication happen by email or SMS. My first home loan representative with Better never communicated with me. I had questions about the approval process, so I emailed him. Then called him and left a voicemail. One week went by without a response, and Better had to assign me another home loan representative. My Better real estate agent was Tracey Gracey. We toured three homes together with my dad, who was a retired real estate agent. My dad noticed possible issues with the houses that Tracey Gracey did not. When we decided on a home, since most of my communication with Tracey Gracey was by email, I didn’t fully understand the buying process. She recommended I put up to 5% in earnest money, so I did. But my dad thought it was very risky putting that much up, and after getting a thorough explanation from him, I agreed. I wish Tracey would have been as thorough. During the inspection, my dad and I were in attendance, but Tracey Gracey was not there until much later. In fact, the seller had to leave her house keys with my dad, the father of the buyer. She eventually showed up the last 20 minutes of the inspection. The seller’s agent advertised the home as coming with the appliances, but Tracey Gracey did not recommend that the appliances be listed as part of the property in the sale agreement. My dad advised me to get an amended sales agreement detailing every appliance that was to be left with the property. Tracey said that wasn’t necessary, so I had to tell her outright to get the paperwork done and contact the seller’s agent about it. After a few weeks of house hunting, we signed the sale agreement for a home. When it came time to move from pre-approval to verified approval, Better changed their mind and decided not to give me verified pre-approval for the amount that I was originally pre-approved for. Nothing changed regarding my employment or finances. My 2nd home loan representative with Better said that my wife could not be a co-borrower because she did not have a credit score at all, despite having been pre-approved by the 2nd home loan representative. He advised us to apply again but with myself as the only borrower. When I reapplied, I was assigned yet another home loan representative. This made it my 3rd representative with Better. In the end, I could not get approved for the amount I needed. I was left with 5 business days to find a lender who would give me verified approval for the amount I needed. And I found that in Rocket Mortgage. Rocket Mortgage had me approved and the underwriting started in less than 24 hours. By the closing date, I found out that Tracey Gracey had been fired even though I had not yet given any feedback. I am not sure what happened there. My second real estate agent with Better was Taketia Morgan. We met at the property for a final walkthrough, and she asked me if I wanted her to be present for the closing. I thought, “Isn’t it your job to present at the closing?” So that was my experience with Better. 3 home loan representatives and 2 real estate agents. No one did their job correctly, and they still got paid 3% commission. My dad helped me like a real estate agent, and Rocket Mortgage got my home loan done for the closing. Lesson learned? Use a local real estate agent and local home lender that everyone knows face-to-face.
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george bell
10 months ago
Better was able to provide good rates…
Better was able to provide good rates and the process online went smoothly and was self explanatory. Being able to use Better for home owners insurance was also a plus. The drawbacks are that communication is sometimes difficult and you may have to wait a day to hear something. Doing a closing on a property that was out of state presented some challenges for getting information in time to make the process efficient.
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ricki debs
10 months ago
Better was in fact better...
Better was in fact better than the others in many ways. The team there was excellent at communicating and keeping us up to date on everything. The user interface was also easier to use than the other company we were looking into. Better's rates were pretty competitive too. But what I liked most about this company was that even though they were naturally trying to get our business, they seemed like they were honestly doing what was best for us. Our contact at the end of the process, Pratik, was more than helpful whenever I had questions for him and I really appreciated all that he did to help make this process easier for us.
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kevin bowden
10 months ago
Mortgage Side is a Mess
The real estate side of Better was wonderful. The title company was great. The mortgage side of better was absolutely awful. The stress this team gave me made me lose 10 pounds and sent me into a panic attack. Our Home Advisor changed multiple times, and the one we had at the end was completely incompetent. She gave us wrong information multiple times. She did not seem to understand the process or the details of our loan. She did not communicate to us in a timely manner. In the week leading up to closing there were multiple issues with our ICD and she kept promising that it would be fixed the next day and it never would be. Things got so bad that the morning of our closing things still were not fixed and she was not communicating at all. Our real estate agent had to step in and navigate the process for us because our Home Advisor was so incompetent. Our real estate agent is the only reason we were able to close on time. Someone seriously needs to look at the Mortgage side of Better and our Home Advisor as this was one of the worst experiences I've ever had.
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customer
10 months ago
Quick and easy everything was explained…
Quick and easy everything was explained and went smoothly.
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ryan white
10 months ago
Better was by far the most transparent…
Better was by far the most transparent and informative lender experience I could imagine. Every step and need was communicated so well. The process was clear and accessible, there was no one running away to magically calculate nonsensical figures. Everyone involved was honest, forthright, made certain I was comfortable and promptly answered all of my questions.