Better

03/18/2026

The average rates cost you $20,165 more. Better rates don't.
Get your custom rate in as little as 3 minutes, without impacting your credit.

10/01/2025

On Fox Business Network’s Mornings with Maria, Better CEO and Founder Vishal Garg, shared everything that’s helped Better build the country’s leading AI mortgage and home equity platform – efficiency, innovation, and the drive to deliver faster, cheaper loans to homeowners.

Vishal shared: “Nearly 40% of our loans are being underwritten by AI completely end-to-end, so you’ll get a commitment letter from us in 45 minutes or so. It takes the entire process, which usually takes 28 people and costs a bank $12,000, and we’re turning it into something that takes minutes.”

Watch in full here:

Founder and CEO Vishal Garg joins 'Mornings with Maria' to discuss his company's efforts and how they leverage AI to help homebuyers expedite the mortgage process.

05/26/2025

🇺🇸 🏡 Happy Memorial Day! Don’t miss out — Make your move and enjoy savings on Better Mortgage. We’re offering a 0.25% discount on your home loan until 10:00 PM EST. Hot deal, no grill required!

For terms and conditions please visit: https://better.com/b/memorial-day-promotion-terms-and-conditions

05/14/2025

🤔 Ever heard of the National Conforming Loan Limit? It’s set annually by the FHFA and determines the max loan amount Fannie Mae & Freddie Mac will buy from lenders. The TL;DR: it affects your rates and how easy it is to qualify.

In 2025, the conventional loan limit in $766,550 and the FHA loan limit is $498,257 in most areas. Loan limits vary by loan type and location—always check your county!

Why it matters?
✅ Staying under the limit = easier qualifying + better rates
🚨 Going over the limit = jumbo loan which can mean stricter rules + higher rates

05/06/2025

🎉 We’re pleased to share that Better.com’s proprietary AI-powered loan origination engine, Tinman®, has been selected as a finalist for the Fintech Future's Banking Tech Awards USA in the ‘Best LendTech Solution – Decision Engine’ category!

Since its inception, Tinman® has catalyzed Better’s operational efficiency and set a new standard for speed in the mortgage industry. As the first fintech to fund over $100 billion in loans, Better continues to transform homeownership through Tinman’s AI-powered technology!

05/02/2025

🏡 The official "waiting for rates to drop" starter pack

04/22/2025

🌎 Happy Earth Day! Today is a friendly reminder that the Earth is home to us all, and we all have a role to play in taking care of it! It's also a great day to celebrate the progress we've made towards sustainable living in the US. ​

In 1973, the first grid connected solar installation took place and in 2024, the US officially exceeded five million solar installations — a milestone that came only 8 years after reaching one million installations in 2016!

If you're interested in investing in solar energy, a home equity loan or HELOC could help you reach your goals! Head to Better.com/HELOC to learn more.

04/16/2025

✅ A healthy home starts with a few simple checks. April is Healthy Homes Month—the perfect time to make sure your space is safe, clean, and supporting your well-being! ​Small fixes now = Better peace of mind later. ​

We’re sharing important items included on the Healthy Homes Maintenance Checklist from the National Center for Healthy Housing to help you stay on top of things that often go unnoticed, from leaky faucets to dusty vents, and everything in between. Check out the full list on NCHH.org.

04/14/2025

🍎🚕 Better was born and built in NYC! We’re proud to see the impact of our technology in making homeownership dreams come true in the Big Apple. Check out some fun facts below:

🗽 Better’s headquarters is located in New York City’s Financial District—we love calling 1 World Trade Center our home!
🗽 We’ve funded over $1 billion in home loans across NYC and the tri-state area, helping thousands of families find their home.
🗽 Our NYC-based team is 80+ strong, with 40 licensed loan officers ready to originate mortgages in New York. Even our CEO and Founder, Vishal Garg, is NYC bred—raised in Queens and a proud NYC high school grad!

04/10/2025

📲📝🏡📦 Did someone say starter pack? If you're kicking off your homeownership journey, the Better Homebuyer Starter Pack comes with the essentials you need for a smoother, smarter experience.

04/04/2025

💡 Have a question? Betsy™ has an answer — 24/7! Better Mortgage’s voice-based AI-loan assistant was built exclusively for the mortgage industry so borrowers never have to wait for answer when it comes to their mortgage or home finance needs. ​

Betsy uses our proprietary loan engine, Tinman®, to access mortgage applications instantly and provide accurate answers. Learn more about Betsy at Better.com/Betsy.

03/31/2025

🏡 Shopping for a mortgage and getting pre-approved for a mortgage does not hurt your credit score since lenders only complete a soft credit check! In fact, according to the CFPB, multiple credit checks from multiple mortgage lenders are recorded on your credit report as a single inquiry because lenders realize you are only going to buy one home.

However, when you are ready to complete your mortgage application or lock a rate, lenders will initiate a hard credit pull which does negatively impact your credit. Similarly to qualifying for other types of credit, like an auto or student loan, your credit score may slightly lower for a short period of time.

03/26/2025

👩 Earlier this month, we shared the story of Emily Card who helped pass the Equal Opportunity Act of 1974, making it possible for women to obtain credit and take out a mortgage in their own name. Today, we’re excited to share the progress women have recently in the homeownership space!

Women continue to lead the charge as single homebuyers, outpacing single men for the third consecutive year — with single women making up 20% of homebuyers in 2024, compared to single men who made up 8%. Tag a woman you know that became a homeowner this year!

03/24/2025

🏆🏡 We're excited to share that Better Mortgage has been recognized by The FinTech Breakthrough Awards as the best in Digital Mortgage Innovation for 2025!

With our AI-powered innovations, like Betsy™ and Tinman®, streamlining the mortgage process and powering our success in funding over $100 billion in loans, we're proud to continue our mission in making homeownership faster, easier, and just plain better for all Americans.

Thank you to Fintech Breakthrough for this recognition. Read the full list of winners here:

Meet the FinTech Breakthrough Award Winners View All 2025 Winners Consumer Lending Best Consumer Lending Platform Best Consumer Lending Product Best Consumer Lending Company Best Overall Digital Lending Product Consumer Lending Innovation Award Business Lending Best Business Lending Platform Best Bu...

03/19/2025

🏡 As of Q2 of 2024, the average credit score for mortgage borrowers was 758 — putting them 41 points ahead of the national credit average of 715! ​​

While the average is 758, credit score requirements vary from lender to lender and there are loan programs, like FHA and VA loans, for borrowers whose credit scores fall short. ​

Although the average credit score for borrowers hasn't moved much over the years, it's always a good time to improve your credit score if you're thinking about applying for a mortgage. Your credit score plays an important role in determining if you qualify for a mortgage and the interest rate you'll be offered. The higher your score, the better your interest rate! ​

03/06/2025

You could get with this 📝 or you could get with that 💻 ​
​
Don't get stuck filling out piles of paperwork for your mortgage in 2025! With Better Mortgage, you can get pre-approved 100% online in as little as 3 minutes with no impact to your credit. ​

✅ Head to Better.com to get started!

02/27/2025

👋 Say hello to Betsy™! Betsy is the first voice-based AI Loan Assistant built exclusively for the US mortgage industry, and it’s changing the way people get a home loan. From the moment you begin your journey toward homeownership, Betsy is there to support — answering questions about your application and ensuring every detail is handled seamlessly.

As the latest innovation built through Tinman®, the company’s proprietary loan origination platform, Betsy enhances the operational efficiency of Better’s licensed Loan Officers, Processors and Closers and improves its customer experience with more intelligent, timely and accurate answers to customer inquiries on an instant basis!

02/24/2025

🏡 Ready to start your homebuying journey, but not sure where to start? We hear you, and we're here to help! Check out these 5 essential tips every new homeowner should know before starting their search.

1️⃣ Make sure you're ready for a long-term commitment! One of the most obvious major purchases people make in their lifetime is a home. Establishing your short and long-term goals like starting a home or moving out of state may influence your decision to get started on your homebuying journey. ​

2️⃣ If you think you're ready to buy, assessing your financial situation will help you determine if you are. Anything from your credit score, to your annual salary, and down payment savings all influence how much home you can afford.

3️⃣ The secret to landing your dream home is knowing where it's located and what it looks like! Are you limited to one neighborhood? Consider the proximity to essential services, like school districts. What are your deal breakers? For example, if you have a dog, outdoor space may be one of your must haves! ​

4️⃣ Homeownership comes with many responsibilities and various costs! Make sure you're realistic with your homebuying budget. A general rule to follow is the 28/36 rule, which says your mortgage payment should be no more than 28% of your gross monthly income and your total debt should not exceed 36% of your monthly income. The best way to determine your homebuying budget? Get pre-approved!

5️⃣ Did you know there are different type of mortgage programs that exist to fit the needs of different homebuyers? A conventional mortgage loan is typically the most common mortgage used for home financing, but there other mortgage types —like VA, FHA, and USDA loans. It's a good idea to connect with a mortgage lender to determine which programs fit your needs.

02/20/2025

Meet Tinman® — Better Mortgage’s automated rules-based decision engine and software platform that removes bottlenecks from the traditional home transaction process and allows customers to see their rate options in seconds, get pre-approved in minutes, lock in rates and close their loan in as little as three weeks.

This industry-leading mortgage technology platform is the backbone that drives our simpler, faster, and affordable customer experience. Tinman has helped us achieve over $100B in digitally funded loans. It’s software platform and engine enables a range of loan and financial services - loan processing and underwriting assistance, loan sale optimization, homeownership insurance, and more, which allows our team to focus on what they do best—helping our customers.

Better Mortgage Corp | NMLS #330511

02/14/2025

💌 There's a lot to love about our new loyalty rewards program, Better Forever!

This program allows borrowers that have funded a purchase, refinance, or home equity loan with Better Mortgage on or after January 1, 2019 to benefit from waived origination fees on future home purchases and refinances — creating a lifetime of savings for homeowners.​

Better Forever terms and conditions are available at https://better.com/b/better-forever &cs

02/05/2025

🔐 Say goodbye to closing costs, and hello to Better Forever — Every homeowners new BFF! Better Mortgage has launched a new loyalty rewards program to provide lifetime savings for homeowners!

Fund a mortgage with Better now and waive origination fees on refinance and purchase fees in the future. It's that easy.

01/24/2025

🏡 To put it simply, an appraisal evaluates a home's market value. Appraisals exist to help confirm a seller's price is reasonable, and that the loan amount you're borrowing doesn't exceed the value of the home!

Typically, a professional appraiser will walk through the property to assess it, and consider prices of the market it’s located in. As a homebuyer, you can’t control exactly how a seller’s home is shown, but understanding how an appraisal can affect your loan-to-value ratio (LTV) is important because it can impact your ability to secure a mortgage.

LTV is calculated by dividing the total loan amount by the home’s appraised value. When the appraised value goes down, the LTV goes up, which means more risk for the lender. ​

Interested in learning more about appraisals? Head to Better.com/content.

01/17/2025

💭 Did you know the average homeowner spends about 12 years in the same home? This is a 2-year increase from 2012, when the average was closer to 10 years. However, homeowners in cities like Los Angeles and New York City, tend to stay in their home for around 15 to 18 years, and those in more central areas stay for around 7 to 8 years.​

🤔 How long have you lived in your home or how long do you plan to stay in your first home? Let us know in the comments! ​

Source: RubyHome

Better Mortgage Corp | NMLS #330511

01/13/2025

🎙️ Join us live this Wednesday, January 15, at 1:00 PM ET to watch Better.com’s SVP of Engineering, Ziggy Jonsson, in an exclusive interview with Maria Volkova, technology reporter at National Mortgage News.

As part of the Leaders Forum, they will discuss the future of technology in the mortgage industry and how Better is setting the standard for AI innovation. Register here: https://www.nationalmortgagenews.com/leaders/betters-svp-of-engineering-on-the-companys-tech-future

Better Mortgage Corp | NMLS #330511

Ziggy Jonsson, SVP of engineering at Better, talks about the shop's technology and what the future holds for AI innovation.

01/08/2025

✨🏡 Our ins and outs for the new year — Here's what we hope homebuying looks like for borrowers in 2025! Comment and let us know what you’d add to the list!

01/01/2025

🏡 🥂 HOMEBUYERS — Ready to achieve your homeownership goals in 2025? It's the last day to save, don't miss out on our closing costs promo! Save .25% on your closing costs when you lock today by 10PM ET.

See terms and conditions for details: www.better.com/b/holiday-discount-promotion-terms-and-conditions

12/31/2024

❄️ 🎁 Tis the season to save! Holiday savings with Better Mortgage aren't over yet — Lock a rate by Wednesday, January 1, 2025 at 10pm ET to secure .25% on your closing costs.

Terms apply: https://better.com/b/holiday-discount-promotion-terms-and-conditions

12/23/2024

📆 ☃️ Save the date – Better Mortgage is giving the gift of savings this holiday season! Don't be surprised if you find closing cost savings under the Christmas tree this year.

See terms and conditions for details: www.better.com/b/holiday-discount-promotion-terms-and-conditions

12/20/2024

💫🎅 Santa, our homebuyers have been good this year!

12/12/2024

🎙️ In a recent interview with Sharon Wu from CBS News, Better Mortgage CFO, Kevin Ryan, shared his 2025 housing market outlook, emphasizing key factors shaping the market and strategies for homebuyers.

“New homebuyers should have a strategy that includes a mortgage refinance when rates decline, so they can secure their perfect home — and lower their monthly payments and interest costs if and when rates drop.”

Read more about Kevin’s insights and expert advice here: https://www.cbsnews.com/news/home-price-scenarios-that-could-occur-in-2025/

Better Mortgage Corp | NMLS #330511

Real estate experts say home prices could take several directions in 2025. Here's what to consider now.

12/09/2024

Our Spotify Wrapped just dropped 😳🎧🏡

SOURCES: US News, Consumer Affairs, Bankrate, Motley Fool, NAR, CFPB, Realtor.com

Better Mortgage Corp | NMLS #330511

11/22/2024

⚖️ Want to refinance your VA loan? It’s important to weigh your options! Here are some of the pros and cons that come along with a VA Interest Rate Reduction Refinance Loan (VA IRRRL) – a streamlined refinance process made specifically for veterans that want to refinance their VA Loan to secure a lower rate! ​

Pros
🏡 Monthly savings: The VA IRRRL allows qualified borrowers to reduce their monthly mortgage payment by locking in a lower interest rate. ​

✅ No income verification, appraisal, or credit check required: Limited documentation requirements speeds up the refinance timeline ​​

💸 No out-of-pocket costs: Closing costs can be rolled into your loan ​so need to worry about upfront closing costs ​

Cons
🇺🇸🪖⚓️✈️ Must have a VA loan: The VA IRRRL is only available for borrowers that currently have a VA loan ​

🚫 No cash-out option available: The VA IRRRL does not allow borrowers to tap into their home equity​

🗓️ Must have had your VA loan for 6+ months: There is a seasoning period that requires you to have had your loan for at least six months or 210 days, with a clean payment history ​​

Better Mortgage Corp | NMLS #330511 ​

11/12/2024

🇺🇸 November is National Military and Veterans Family Appreciation Month! We spoke with Kasey Adam, Better Mortgage Loan Officer and Marine Veteran who shared his thoughts on the value lenders have to offer veterans: ​

“Veterans give up a lot so we can all continue to enjoy our freedoms, and it’s important they know there are people and programs available to help them when they return home. Everyone wants stability and peace of mind, and homeownership is one of the ways veterans can achieve that. ​

I celebrate the way we give back to Veterans through homebuying assistance programs at Better like the VA purchase loan and now the VA Interest Rate Reduction Refinance loan which makes homeownership more affordable, and therefore, accessible for Veterans who made the ultimate sacrifice by serving our country." ​

Better Mortgage Corp | NMLS #330511

10/02/2024

🎙️“Better was founded to turn the mortgage industry upside down”

To wrap up National Mortgage Professionals Month, Better hosted a panel discussion, "Streamlining Success: Mortgage Tech for Modern Professionals,” at the NYC HQ Office. The discussion revolved around current mortgage technology innovations and where mortgage technology is headed.

Thank you to Zach Aarons, Co-Founder & General Partner at MetaProp, and Leah Price, Senior Financial Technology and Innovation Specialist at the Federal Housing Finance Agency, for joining Better's President & COO Chad Smith, AMP Smith for an engaging discussion on the future of homeownership.

Special thanks to Ryan Kingsley, Editor at Mortgage Banker Magazine , for moderating the conversation with engaging questions for our panelists. We were thrilled to host this diverse range of specialists across the full spectrum of the mortgage industry!

Better Mortgage Corp. | NMLS #330511

09/06/2024

💼 🏡 September is National Mortgage Professionals Month! This month is dedicated to honoring the various mortgage professionals who play a role in helping people finance their dream of homeownership.

Thank you to the mortgage professionals at Better that help make homeownership simpler, faster, and more affordable!

Better Mortgage Corp | NMLS #330511

08/27/2024

🤞 While we never know where mortgage rates are headed next, during the week ending August 10 we saw mortgage rates decrease to the lowest level in a year!

Better Mortgage Corp | NMLS #330511

SOURCE: Freddie Mac

08/14/2024

💰 In Q2 2024, tappable home equity in the US reached a record $11.5 trillion, fueled by rising home prices that outpaced the $13.8 trillion in mortgage debt.

According to ICE Mortgage Monitor, 32 million borrowers now have at least $100,000 in tappable equity, with 4.6 million having at least $500K, and nearly 1.2 million have $1M or more.

SOURCE: ICE Mortgage Technology
Better Mortgage Corp | NMLS #330511

08/02/2024

Happy August! 🤸‍♀️ Friendly reminder for homeowners to begin putting together their end-of-summer home maintenance checklist with September and the fall season around the corner. These are the five items that are top of mind for us this season!

Better Mortgage Corp | NMLS #330511

07/26/2024

🏊 ️ An estimated 8% of homes in the US have a swimming pool — 59% of these pools are in-ground while 41% are above ground! On average, a swimming pool typically recovers 56% of the project cost potentially making it a worthwhile investment to consider – especially if you’re in a warmer state like Florida, Texas, or California.

If you’ve been considering the idea of adding a pool to your home, the fall is a great time to get started on your project to ensure you're ready for swim season next summer!

SOURCE: Bankrate, Ruby Home Swimming Pool Statistics

Better Mortgage Corp. | NMLS #330511

07/16/2024

🌟🥍 Recapping the Premier Lacrosse League All-Star Game Weekend presented by Better! We’re pumped for this season with the PLL. Tune in to the PLL’s Throwback Weekend, this Saturday, July 19 and Sunday, July 20 on ESPN and ESPN+.

Better Mortgage Corporation | NMLS #330511