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Reviews 472

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Nadav Shemer
Nadav Shemer
Jun. 22, 20204 min read

Better summary

Better Mortgage Corporation is a direct lender that uses technology to provide a fast and transparent digital mortgage experience backed by customer support. It was founded in 2014 and is backed by big-name investors including Citi, Goldman Sachs, Kleiner Perkins, and American Express. To date, it has originated more than $2 billion in conventional mortgage loans.

Pros

  • Almost entirely digital process
  • Algorithm reduces importance of credit score
  • No origination or lender fees

Cons

  • Not available in all 50 states
  • No government-backed loans
  • Better may transfer your loan to another service provider
Betterat 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 43 states

4.0

Better Better Visit Better

Better Mortgage at a Glance 


Direct lender or marketplace?Direct
Loan types:

Purchase, refinance

Featured LoansConventional
Repayment terms:

 15-30 years, 5/1, 7/1, or 10/1 ARM

Minimum Down Payment:

 3%

Minimum Credit Score:  620+
Suitable for: Minority homebuyers frozen out by traditional lenders

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 mostly 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.

Here are the 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 Settlement Services. Once you’re far enough in the process to think about third-party closing costs, Better can help match you with affordable third-party services. Its nationwide notary network can meet you wherever you’d like.
  • 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.

The Application Process

Better's application process is entirely online and takes only about 3 minutes for house hunters who are just looking for basic pre-approval, although the website indicates that it takes up to 2 hours if you are shopping for a home and 30 minutes if you've found a specific property to buy. The application for refinancing takes just 3 minutes.

Once you’ve answered basic questions about your financial situation, home equity, or prospective property, you’ll be sent an initial loan estimate and connected with a dedicated loan officer for more in-depth support along the way. Once you’ve carried out a list of tasks which you’ll receive with your loan estimate, you’ll be able to request to lock in a rate. Better usually closes on a mortgage loan within 3-6 weeks 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.

Average closing costs are $3,598 in third-party fees for a purchase loan, or $1,824 in third-party fees for a refinance loan.

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 at hello@better.com, via phone, or schedule a convenient time for a representative to call you back using the online form. Both your loan officer and general customer support are available from 9am to 9pm ET Monday-Thursday, 9am to 6pm ET on Friday, 12pm to 4pm ET on Saturdays, and 12pm to 6pm ET on Sundays.

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

Ph: (415) 523-8837

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, 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

459 Broadway FL 5,

New York, NY 10013

Better Better Visit Better

Nadav Shemer
Written byNadav 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.

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Trustpilot reviews

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  • author
    Alana B
    20 hours ago
    First great experience with mortgage company…

    This was my first time having a great experience with a mortgage company out of four earlier experiences, both buying homes and refinancing. Better was so helpful, every representative or professional we communicated with was so knowledgeable and able to answer all of our questions. Each explanation or answer given was in plain language, and I never felt that anything was not explained perfectly, or that anything was hidden from me throughout the process. There were no surprises at closing, the available rates were so much lower than other companies from which we obtained figures, and the fees were absolutely the lowest, and extremely reasonable. We were able to close on our refi in a timely manner, and in our own home - in the evening. I will always highly recommend this company and each representative that we interacted with as the most professional and knowledgeable individuals.

    ...

  • author
    mark
    a day ago
    Overall this was a very positive…

    Overall this was a very positive experience. The initial process and closing process was seamless and the team very helpful. The processing was a bit less so, partially due to extenuating circumstances, but felt that the responses during that time could have been better. I am happy with the end result and overall process.

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  • author
    Ravi Mohan
    a day ago
    My experience with Better Mortgage

    My Great Experience with Better Mortgage Very Smooth. Online process was easy to follow. Whenever I needed any assistant I was able to get in touch team member readily. Closing of loan was very quick. Another important thing - My rate was locked in the beginning so I was not surprised on closing.

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  • author
    Surekha Krishnan
    a day ago
    The best lender in the States

    Everything right form pre -approval is online. It is ideal for tech savvy who wants to do everything online. You have a team dedicated to you and you can decide the amount of interaction you want to have. If you can understand everything from the instructions and have no questions, there is no need to talk with any loan officer or whoever. What a breeze! That is the part which I liked the most. However, I would suggest an improvement. Every time a task becomes available, there should be a notification to the registered email. Most of the time I do get an email about available tasks. However, the email notification should be 100%. I always have the account logged in and I did it instantaneously. Overall, I am 100%satisfied with Better mortgage and would happily recommend to friends and family. There is no origination fee and they have the lowest interest rate in the entire US. I shopped with nearly 5 lenders before choosing Better mortgage and I am very happy I chose them.

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  • author
    Kimberly
    a day ago
    Pleased with the process as a whole

    Overall an easy process. The tasks make it easy to know what you need to do. There were some communication issues and confusion along the way. I think because the company is large it can get complicated and difficult to talk to someone in person.

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  • author
    Chris O.
    a day ago
    This is the best mortgage process experience

    This is the best mortgage process experience that we have ever had. We had our choice of mortgage rates to pick from, the documentation process was easy to gather and upload. I love the fact that better.com was able to pull some of the documents needed on their own. Your personnel were available and very helpful. Keep up the great job, I have already recommended 3 of my friends and 2 are already in process. Oh by the way the timeline from application to closing is unbelievable (in my case less than 6-weeks).

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  • author
    Marisa McMurtrie
    a day ago
    So easy!!

    I would highly recommend Better for anyone looking for a painless process they can fit into their daily lives. My refi cost me nothing out-of-pocket, and took maybe 20 minutes for the initial application, and then just a few minutes here and there on a few subsequent days for follow-up paperwork. The process was truly painless, seamless, and so easy!

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  • author
    Edwin B.N
    2 days ago
    MY IMPRESSION ABOUT BETTER MORTGAGE

    i am pleased to take this opportunity to express how i felt throughout the Refinance Process. Initially the pressure was very high regarding the documents required to be submitted. Although we felt this pressure the staff guiding us were very calm and focused. Subsequently everything worked so wonderful when we understood the process. The continuous and timely guidance helped significantly. We ended the process very satisfied and we hope to continue with Better Mortgage into the future. Also we are ready and willing to refer Better Mortgage to friends and relatives.

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  • author
    Bradley
    2 days ago
    Smooth sailing for a straightforward…

    Smooth sailing for a straightforward loan. Very easy experience from application to closing. All of the associates I worked with via email and phone were courteous and professional, efficiently providing me with the necessary help needed. Loan was approved very quickly. Even my realtor commented multiple times on how smooth the transaction was. While my experience was very good, I can see why one size does not fit all: 1. The amount of documentation required for a mortgage can seem overwhelming for some, and having to do it all yourself online without immediate feedback can cause issues. Also, my loan application was very clean avoiding many scenarios that may not be optimally solved without face to face interaction. 2. Better.com associates are extremely overloaded. Emails took days to answer, and sometimes calendars for booking a phone call appeared completely booked. 3. Multiple points of contact during the process. Will not hesitate to use Better.com for any future mortgage needs.

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  • author
    Scott Waring
    2 days ago
    It was a very straightforward and…

    It was a very straightforward and painless process to get our refinance done with Better. Everything in the user portal was well laid out, the tasks were easy to follow, and the team members were quick and easy to communicate with as well as being very knowledgeable in their areas of focus. If we ever need to refinance or get another mortgage I anticipate that we will do it with Better.

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  • author
    Dw
    2 days ago
    The process was extremely easy

    The process was extremely easy, quick and effortless. I would definitely recommend better.com for refinancing purposes.

    ...

  • author
    Chris Bynum
    2 days ago
    This whole experience was a pleasure

    This whole experience was a pleasure. Everyone I talked with or emailed with was very polite, professional and informative. I also loved being able to do the closing on our dining room table. I wasn't actively looking to refinance but a coworker of mine referred me to your site and I'm glad I did. If I was going to nit pick something is that sometimes your website says there are 2 task to do, but when I click on the task tab there are none listed to do. This is really a minor website issue but in general, your website is very user friendly. Thanks again for a really easy process and I'm recommending you to anyone looking for a mortgage.

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  • author
    Mario
    2 days ago
    Great system and the team members were…

    Great system and the team members were very helpful. Sometimes the system was a bit rigid in accepting documents but not a big hurdle. Would reccomend.

    ...

  • author
    Mike Scannapieco
    2 days ago
    Great experience from start to finish

    Great experience from start to finish. Seamless process, and all of the staff were very helpful!

    ...

  • author
    Scott Millman
    3 days ago
    Good experience for people comfortable with DIY/online portals.

    Overall good experience. I like how the "tasks" in your account are clearly visible when you need to complete something new. All the customer service people I spoke with were very nice. Only minor complaints would be the section where you chat back and forth with questions in your account says they will get back to you in 24 hours but they did not (but always eventually did). Also the wait time when calling in was quite long.

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  • author
    Devin Guinn
    3 days ago
    Very simple online platform to manage…

    Very simple online platform to manage the various steps and needs throughout the process. Perfect for those who don't have a ton of free time to dedicate to the home purchasing process. Absolutely no complaints!

    ...

  • author
    Jake Anderson
    3 days ago
    UX was A++, some of the questions could be improved though.

    The user experience online is awesome! Quick turnaround on basically every interaction. Reminded me a lot of online tax prep guided questioning. Loved and appreciated the speediness of everything and everyone. There was one area that I think could be improved, and that was the questions that can't be undone. There was a question asking the address of "my home" so I gave it my current address. Turns out, the question really wanted the address of the house I was looking to purchase (which I don't yet consider to be "my home"). I realized that I'd glazed over the fine print on the question, which specified... so definitely my fault. However, this turned out to be a HUGE problem for us, because the answer to that question, once submitted, updated a bunch of other questions. The agent couldn't undo my answer, and I ultimately had to start the ENTIRE application process all over, and I was pretty far into it at this point. So maybe for questions like that, which have broad impact on the rest of the application, add an additional "you sure?" type dialog, and consider updating the wording so that dum-dums like myself who sometimes skip fine print can't screw it up so easily ;) lol.

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  • author
    Ginny Kalb-Orlando
    3 days ago
    Great Process

    Everyone in the process was wonderfully helpful and got back to me right away. This has been the easiest home loan we have ever had to get. Thanks for making it easy so that we could do it from home and with little headache!

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  • author
    Doug
    3 days ago
    The team at Better.com was amazing!

    The team at Better.com was amazing to work with. Both Ryan Dennis and Teal Metzner were awesome and very quick to respond to questions. There are no complaints here and will most likely use Better.com in the future.

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  • author
    Hank Jennings
    3 days ago
    The experience with Better was...Better.

    The experience with Better was a pleasure from start to finish. The website is easy and intuitive. Each person I dealt with throughout the process was courteous and easy to reach. The only part of the process that was troubling was when it came time to actually wire the money. Better did a pretty good job of prepping me for what to expect, but that didn't change the fact I was a little nervous sending a big wire transfer out without being completely certain it was not some type of scam. Obviously my fears were unfounded. Everything went through fine and I can now say with certainty that my experience with Better was 100% great.

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  • author
    Edgar Rodriguez
    3 days ago
    Very easy refinancing my house

    Very easy refinancing my house. Rates were competitive and the staff was very helpful. Would definitely recommend to a friend

    ...

  • author
    Andrea Prendergast Shenton
    4 days ago
    Best product and customer service out there! Three loans to date!

    Better has been by far, the best mortgage experience for us. We have finished three loans with them and plan to do one more. The product and the team is the perfect blend of technology and customer service. I enjoy wholeheartedly, recommending them to friends and family.

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  • author
    Audrey
    4 days ago
    We really enjoyed all of the process

    We really enjoyed all of the process. It was easy and happened quickly without delay. I’m not sure it was an inexpensive as advertised but it was worth it.

    ...

  • author
    Chris
    4 days ago
    Overall

    Overall things went smoothly. There were a couple of documents that I had to print, sign and scan. And there was an oversight by the closing agent/Notary that required a scanned document after we initialed it, but other than that pretty smooth. I commend the people and the process.

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  • author
    Vadim Zaychik
    4 days ago
    1 down, 1 more to go.

    Worked on refinancing 2 loans simultaneously. Even though we have no payment issues and great credit, Fannie Mae guidelines did not allow us to count some income. As a result, we only managed to refinance 1 property for now. We had an excellent team at Better helping with the process. Special thanks to Stephanie Flores and her manager Patrick for pushing the process along and not giving up when underwriting was pushing back with extra requests. Will be back to refi 2nd property in a little while.

    ...

  • author
    Ashley MCCorkle
    May 11, 2021
    Great experience, with some suggestions for improving further

    Generally speaking, love the platform that Better has built to simplify the byzantine process of qualifiying for a mortgage as well as meeting the reporting requirements. The engine up front for estimating differnt loan configurations and automatically generating prequal letter was the best I saw during the shopping process. Also the process of receiving "tasks" from the loan team was straightforward. Only a few suggestions. One...would be nice to have a better idea of what paperwork is required further on in the process, in many cases it would have been easier just to tell me up front what you'd need so I can compile it all at once. Second, I'm sure you understand that making the out of pocket for down payment and closing costs is a mad dash to generate liquidity (ie cash). So...if I'm going to have to sell a car, or ask a relative for a gift, or even do an early withdrawal from my retirement, you should let me know up front what the paperwork is that you'll need (e.g., take a picture of that car title!). Finally, the video course on buying a home was REALLY helpful, but should be assigned to the borrower as a task much earlier on. However, overall it was a good though stressful experience, and would recommend you to others.

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  • author
    Don & Stephanie Kemp
    May 11, 2021
    I'm happy to have reduced my interest…

    I'm happy to have reduced my interest rate almost two points. That's the main thing. All the Better employees were friendly. Frankly though, if I hear "I'm glad you reached out" one more time...... It seems they've been overly coached on how to deal with people. Maybe as they get older they'll speak with their own voice. We went almost ten days beyond the original estimated closing date and it hampered my ability to get a new car, as I was strongly warned not to do any other large financial transactions while going through this process. The house title search took forever. Our car lease was up and had the original date been met, there would not have been a problem. As it was I had to extend the lease a month and pay the registration fees, which was $900.00 I wouldn't have had to spend otherwise. I understand the reasoning, but the delay was irritating. I'm only the second owner of a 78 year old house and the title search should not have taken so long. I lost track of how many times I was told it was in progress and the next step was going to the underwriters. In the end, it turned out a title search problem that had never surfaced before wasn't my issue but an IRS mistake. It seemed if Better had more experienced people working on these things the delay wouldn't have occurred. I did NOT appreciate Better being added as a lien holder on my homeowner's policy over two weeks before I signed escrow papers. When I called, I was told that was "industry practice", which in my experience over several mortgage deals is NOT the case. Another business practice Better might want to re-examine is the handing off of the customer to a different person each step of the way. I was told continually at each step I would have no out of pocket money yet at the very end I was told I would have to pay almost $2700.00 at escrow. I purposely picked a rate that had no out of pocket only to find out differently. The closing person was surprised to hear I was told that and even went so far as to ask who I heard it from. I obviously paid it but I was none too happy about it. At escrow signing, I found out the loan had already been sold to another loan company. I realize that happens regularly but again, Better did not tell me. I did get an email telling me my escrow papers were received and being reviewed and that I was "still on track" to have the loan funded May 10. Had I not checked myself to see if my current lender had been paid I would not have known the funding went through, as I wasn't notified by Better. Again, very happy I'm paying several hundred less a month now on my mortgage as I go into retirement. Better however isn't quite yet "Best" and has a few kinks to work out.

    ...

  • author
    Matthew Sampson
    May 11, 2021
    Excellent Loan Service!

    Overall, Better did an absolutely fantastic job handling our loan. Our processing expert, Micheal Squilante, was readily available and knowledgeable. He answered my questions and emails in a timely fashion and worked diligently on our behalf to close ON TIME, which I couldn't appreciate more. There were two items that made the process give me a little anxiety. #1. Our home was being built in a rural area where the county and the city did not do a certificate of occupancy or a municipal inspection report. While our processing expert offered many items we could produce in lieu of this, there was no clear, defined documents outlined as possibilities. I don't think the underwriting team told him exactly what we needed to offer so we collected as much random permit/inspection information as possible and submitted it. It would have made me feel a lot better had we been given a clear list of items that would have worked instead as it was all left up to hoping what we did provide would be good enough. That made me feel as if there were a lot of unknowns at the end and the possibility of our file being returned by underwriting at the last minute was not ideal considering all the planning we had to do for moving. #2. I'll preface this by saying that our closing expert handled everything quickly, and he clearly knew what he was doing. It all came down to the wire in the end, but it did get handled and there were no mistakes. However, the communication at this point was lacking. There were several emails not replied to and I had to call to get updates. When it's the last few days before closing, this is not ideal and caused no small amount of anxiety about having to change movers, installers, ect around. While he did a fantastic job getting the closing over the finish line, I felt like my emails were going into the abyss and it left me feeling unsure about whether or not things were going to happen as scheduled. As I said, overall the experience was a great one and Better gave me a great rate, great closing costs and the web portal was incredibly easy to use. Not sure if banks do something similar these days, but being able to upload everything was quick and easy and being able to easily check my loan estimate made this whole thing much less stressful than emailing documents back and forth wondering if I've provided all that was needed.

    ...

  • author
    Harry Blain
    May 11, 2021
    Our refinance was so smooth and easy

    Our refinance was so smooth and easy, the staff were professional, friendly and helpful. We couldn't have asked for a better experience. Thank you!

    ...

  • author
    Kathy Caric
    May 11, 2021
    The refinance process with Better was a positive experience from start to finish.

    The refinance process with Better was easy and relatively quick. At each stage of the process there was a specialist assigned to me to guide me through the required steps. There was frequent communication. More detail on the Website on the task requirements, perhaps even examples/samples would have been helpful. I also would have appreciated a flow chart or similar visual that showed the steps of the entire process with time frames--a big picture summary. All of the individuals that I had contact with through the process were pleasant, knowledgeable and responded in a timely manner to my e mails or phone messages. Overall, the experience was a positive one.

    ...

  • author
    ROBIN
    May 11, 2021
    The people were wonderful and very helpful

    The people were wonderful and very helpful. My only issue was being asked for the same thing repeatedly.

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  • author
    Stacy Fickett
    May 11, 2021
    The process was painless and easy

    The process was painless and easy. All parties introduced themselves, reached out, and communicated with me throughout the entire process The website and tasks tab is a great tool to keep the do list organized. It was very easy to use and upload all documents. Thank you!

    ...

  • author
    Leonard Figueroa
    May 10, 2021
    The entire process was clear and well…

    The entire process was clear and well documented. We knew what to expect at each phase. Each person assigned to handle each phase transitioned well to the next person. From Casey to Colin/Kelsey to Asnia, each person was proactive, helpful and highly competent. Any questions we had during the process were answered quickly and in terms we understood. Lyn our notary (and the only person we met in person) was a pleasure to work with and very efficient.

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  • author
    Gina
    May 10, 2021
    Highly competitive rates, excellent customer service

    Very competitive rates (in fact, the best I could find), EXCELLENT customer service and super efficient --- we closed on our loan in just 5-weeks! We used Better.com to refinance our rental property and couldn't be happier. We were working with another lender on our primary property (long story) but let's just say the other loan took nearly 4-months to complete....it was a nightmare. Working with Better.com was an entirely different experience....what a breath of fresh air! We were VERY impressed by the professionalism, quick response of the agents and excellent experience overall! There's a reason NerdWallet.com gives them a 5-star rating! This rating is well deserved.

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  • author
    Daniel Lieu
    May 10, 2021
    Solid Experience and Great Rates

    Streamlined online portal. Clear instructions every step of the way. Friendly and informative staff interactions. Quick from start to finish.

    ...

  • author
    Aaron Benefiel
    May 10, 2021
    Better Mortgage was very efficient

    Better Mortgage was very efficient and easy to work with. I purchased my home during the COVID-19 pandemic, so excellent online interactions were a must for me. They also were very helpful in making recommendations for a realtor and home insurance. This was especially helpful since I relocated to a new city and state.

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  • author
    Janesha G
    May 08, 2021
    I am happy to recommend

    I am happy to recommend using Better.com again. The process was long, but my team was in great communication through every step. I like the convenience of being able to do everything online. Would use for my next loan!

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  • author
    Chuck S
    May 08, 2021
    I enjoyed the whole process from start…

    I enjoyed the whole process from start to finish. I hate the normal way of doing business where if you inquire about something you get multiple calls a day. Better was, well better. They contacted me when they needed to and I was able to contact them if I needed to. Everything was streamlined and easy, didn't have a single problem. I liked how all my options were shown to me upfront and I could change at any time.

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  • author
    Stevo Devo
    May 08, 2021
    This was a very smooth and painless…

    This was a very smooth and painless process.

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  • author
    Thomas McCarthy
    May 07, 2021
    I was thoroughly impressed

    I was thoroughly impressed. I had low expectations your company/staff really blew me away. Your service was top notch. The key for me is responsiveness. That is everything to me. Even if the response is, "We don't have an answer for that, but we'll have one shortly." Be weekday or weekend, your staff was on point.

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  • author
    Jacob
    May 07, 2021
    Seamless and convenient process since…

    Seamless and convenient process since everything is digital. Team members were helpful and available.

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  • author
    David K.
    May 07, 2021
    Great and helpful communications…

    Great and helpful communications throughout the process.

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  • author
    sjh
    May 07, 2021
    Mostly good, but changing disclosures frustrating

    The rate was very very good and responses were fast whenever there was a conversation, but there were two very frustrating things. The first is that the closing disclosure kept changing without any history of the previous closing disclosures. It was very difficult (or basically impossible) to track changes between each. The second is that we were trying to figure out how much in closing costs to roll into our loan versus pay at closing. I think my partner asked for a few options to compare closing and monthly costs, but we never got a list and just kept seeing these change. It would have been great to see a list of options or a calculator to see how we could have purposefully picked an option rather than being at the whim of Better's suggestions. Otherwise, it was a mostly great experience. One other weird thing was that I would get an email saying that we had 10 tasks only to sign in and only see 1 or 2, but that sounds like a minor bug.

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  • author
    Natalie Monro
    May 07, 2021
    I really appreciated how easy the…

    I really appreciated how easy the online process made things. Sometimes there were snags with the system (you should have maybe a back or undo button for some of the tasks), but everyone I worked with was extremely helpful. Leanne and Chandler particularly helped me through the process. Refinancing is not a super fun process generally, but this was a much easier experience than when we have gotten mortgages before.

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  • author
    Jessica Benson
    May 07, 2021
    A Company That Understands Online Users

    This was my first experience with an online banking company. The online portal was very easy to navigate, and I always knew what I should be working on next. If I ever got stuck, I could quickly talk to a human being about my issue which was a lifesaver a few times.

    ...

  • author
    Kristine Groff
    May 07, 2021
    My experience with Better.com was…

    My experience with Better.com was fantastic. There was constant communication from my team compared to the first lender I initially went with. The process was smooth and my refinance done in less than 45 days. I am very happy with everything and give them nothing but high marks.

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  • author
    Anthony Torres
    May 06, 2021
    First time homebuyer and I looked at a lot of lenders

    I'm a first time homebuyer and I was looking for the lowest rate and upfront cost on a 30yr fixed conventional loan on bankrate. I shopped a lot of lenders and they were fine. I felt I could have asked others to try and match the rate quote I received from Better, but I simply had the best impression from their customer service above all others. I can't put my finger on what it was but they were the most attentive and gave me confidence that they would pull anything out of their sleeve to get my business and get me what I wanted. And they delivered! We closed today and I was pleased with their team every step of the way.

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  • author
    Raul
    May 06, 2021
    Almost a perfect team

    Overall, most of my team did a great job at keeping in touch and answering all my questions. I would recommend this service to anyone. However, I did have issues with the closing agent being unavailable multiple times and refusing to talk over the phone. Dealing with this agent was stressful and quite unprofessional. However, in the end things worked out.

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  • author
    Ms Lannerhag
    May 06, 2021
    This was the most straightforward and…

    This was the most straightforward and transparent experience I have ever had with refinancing. Thank you to all of the team for an exceptional experience.

    ...

  • author
    Summer Muir
    May 06, 2021
    Easy to do business with

    The tasks made it easy to manage what I needed to get done hand in. However, it seemed that I had to repeat certain tasks more than once to prove that I and my husband were still working.

    ...

  • author
    Andy Mitchell
    May 06, 2021
    This was the easier than brushing your teeth.

    Their user interface online was the best I have ever seen. This process has been such a pain in the tail in the past, but this was incredibly easy to complete my refi with the Better.com website and staff.

    ...

  • author
    Mike S
    May 06, 2021
    Better be Better

    We had an up and down experience working with our processing expert, who was 1. On the west coast; we are east coast; 2. Was typically unavailable with a full calendar; 3. Was frequently out of the office; 4. Was difficult to get in touch with early on in the process. Fortunately things got better over time and Mikuela turned out to be super helpful; however, as first time home buyers we were looking for more.

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  • author
    MH
    May 06, 2021
    Quick and Easy Refi

    Our mortgage refinance took about 21 days from initial application to closing. The team of Better employees that worked with us was very professional, helpful, and accessible. We found the rate and pricing to be lower than the competition. Overall, our refinance was a great experience, and we are happy that we went with Better Mortgage.

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  • author
    Jose
    May 06, 2021
    First Time Home Buying is Seamless from Start to Finish

    My first time home buying experience with Better is so seamless from start to finish. The online pre-approval and the document upload, download and signing is so easy. It was a great working with Better people; from loan officer, processing expert to closing expert who go beyond your expectation to meet everyone's demand; from seller, attorneys and title company, you name it, they will do everything to help you. They can respond right away through email or call. Their customer service is also so professional in coordinating your questions with the right team. Working with Better real estate agent partner is also great plus the perks of having big closing discount and lender's credits. I would highly recommend Better coz they are better with processing and closing cost if not the best. It doesn’t have to be so complicated and they really mean it. They will bring you home!

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  • author
    Dave Scheuerman
    May 06, 2021
    Overall A Great Experience

    Overall, I am very pleased with my experience with Better.com. Better.com was recommended by a third party and I thought I'd give them a try. They were very quick to respond to my initial request. They provided a quote based on my initial information. As I went through the process, I had a few issues to work through and the loan officer I worked with was helpful and responded to all my questions within one day. When the loan was finalized, the numbers matched the initial estimate. I felt that Better.com was straight and honest with me throughout the process. They were friendly and helpful, and my loan closed without any issues. Exactly what you expect when you enter into this type of transaction.

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  • author
    Rose
    May 06, 2021
    The BEST Refinancing Experience

    I had a great experience with Better. I thought refinancing was going to be overwhelming. It had been years since I bought my house and couldn't remember the process. After a recommendation from a friend, I gave it a shot. As soon as I submitted my info, a Better representative called and answered every question I had! Everyone I interacted with was extremely friendly, knowledge, and helpful. It was easy to reach out via email or schedule a phone call. Not only was the service wonderful, but the online experience was seamless and effortless. I'd definitely recommend doing business with Better!

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  • author
    Jason & Jill
    May 05, 2021
    Our refinance was fast and painless!

    Our refinance was quick, easy and closed super fast. I was especially impressed with the communication from Pavan and Dylan who kept us in the loop throughout the entire process. They were also quick to respond to any questions we had via email. We have not sought out a mortgage loan in over 18 years and were pleasantly surprised with the ease of the digital process from the start. We would definitely recommend!

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  • author
    Brent
    May 05, 2021
    Best experience ever with a lender

    This has been the best experience I’ve ever had with a lender. Better’s process is so straightforward and transparent from start to finish. Tasks were easy to complete and track. The team that manages and supports the process were so helpful and friendly. Simply a terrific experience!

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  • author
    Karthikeyan Manickam
    May 05, 2021
    Very nice work done by all department…

    Very nice work done by all department staff that I interacted with. Keep up the good work.

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  • author
    Jeroen Dekkers
    May 05, 2021
    Referral program? Sign me up!!

    It’s been such a pleasure going through this usual long and tedious process by using better.com. I almost hoped you’d have a referral program because I’ll be sure to be telling everyone to use you for funding their next dream home!

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  • author
    Steve
    May 04, 2021
    Customer Service oriented company

    Quick, fast service, very customer service oriented. Answer all questions.

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  • author
    Cory Padgett
    May 04, 2021
    Refinance

    Easy to apply. Courteous staff. Organized task based process and easy to do everything from your own homw.

    ...

  • author
    omar
    May 04, 2021
    Great Rates, lovely people, but you have to be patient and persistent

    Better.com provided me a loan for the purchase of a property in Houston, TX. I selected them as the lender for the following reasons: 1. Lowest Rate, 2. Offered a Jumbo Loan with a 11% down payment, whereas most other institutions required a 20% downpayment, 3. No PMI, 4. Low fees. The negative aspects of the process are as following: 1. You won't be dealing with a dedicated person throughout the process. Depending on the stage of the lending process, you'll be connected to different people, with different responsibilities. The problem with that is that you have to be constantly repeating yourself when calling to resolve any particular "issue" you're dealing with. Another problem that I experienced was that early on I was given incorrect information about the credit history requirements for the loan, and I thought that I would not be able to qualify because I virtually have zero debt. Only after discussing the issue with another employee, I realized that the underwriting requirements were misunderstood by the original loan officer. Overall, it was worth to use Better.com because of the financial conditions of the loan, but it demanded a bit of patience and persistence from me.

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  • author
    SK
    May 04, 2021
    Excellent service, great rates, transparent process!

    Everyone I have worked with have provided information about the process and next steps in great detail. The website has been very convenient and transparent and has made this whole process easier to follow. The representatives themselves were very approachable, always checking to see if I had questions, and the rates were extremely competitive.

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  • author
    Justin Martin
    May 04, 2021
    Overall an exceptional experience

    Overall an exceptional experience. Well organized, efficient, and easy. My only complaint is with the appraisal process. There was a drive-by appraisal and I was not notified nor did I get to explain the value of the property and what had been occurring in the neighborhood. As such the appraisal was a full $100k less than it should have been. But other than that, very smooth. Manuel and Jeff were amazing! 5 stars to the Team for sure.

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  • author
    Graeme Smith
    May 04, 2021
    My review

    At times it was very hard to get a hold of anyone. I would email and call and leave messages but didn't get a response or call back. One time I made an appointment online for someone to call me and they never called or emailed. When I did get a hold of someone they were very friendly and helpful, but when you are dealing with a new company that you never heard of before, it made me a bit nervous when I couldn't get a hold of anyone with my questions. Now that it's over I feel a little better, but there definitely was some unnecessary stress.

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  • author
    Naveen Gupta
    May 04, 2021
    Better is good.

    Extreme diligence, prompt responsiveness and excellent customer relations ... In addition to the hallmark speedy, best mortgage rates in the industry. Happy to do biz with better again in the future.

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  • author
    Sean
    May 04, 2021
    Everyone I dealt with was professional

    Everyone I dealt with was professional. The normal brain damage I associate with getting a mortgage was minimal due to the ability to do most things online. Seemed less invasive.

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  • author
    Susan Miles Rock
    May 05, 2021
    Long delays between tasks being…

    Long delays between tasks being completed. Our DTI was too high so I reached out to Hannah and the numbers weren't adding up. She went back to her team and low and behold, the DTI went down. They did not add back depreciation to our rental properties so our DTI was still not correct but usable. You requested a P&L for both of our companies which I supplied. I heard on Thursday, before closing the following Thursday that our income went down. I heard nothing from Better.com from Thursday afternoon until Monday afternoon when I emailed Hannah asking for status. A new task showed up with an explanation that they needed a combined P&L which I had suggested earlier the week before. Our closing was delayed a day...an amendment had to be created because your team didn't fulfill! After doing research, this isn't the first time this has happened. I don't know that I would use Better.Com again. You're dealing with people's money, lives and dreams. I'm very disappointed. I would also like to add that we requested this to be placed under our trust. No one from Better.com said anything to us. When we received the closing disclosure and Alta statement from the title company, the title company forwarded me an email from Better.com stating that it’s not allowed. First time I’d heard of this.

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  • author
    Darren
    May 04, 2021
    Easy to work with

    Easy to work with. Fast, efficient, good people. Well worth it.

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  • author
    Gabrielle Henderson
    May 04, 2021
    This was a wonderful experience

    This was a wonderful experience. Every person who helped me was clear and responded quickly. I felt knowledgeable and supported on the process and felt like there was always someone there if I had questions. This was the quickest and easiest refi I’ve experienced and I’m grateful for everyone on the team.

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  • author
    Tim O'Connell
    May 03, 2021
    Exactly what I wanted out of a…

    Exactly what I wanted out of a refinance I love the combination of a mostly self-service process with easy access to helpful humans when I need it. The system walked me through the tasks I needed to accomplish. Every time I asked a question it was answered quickly, whether by chat or on the phone. Couldn't have been happier. All that and a great rate and low closing costs.

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  • author
    Chema Milanes
    May 03, 2021
    Great customer service and E2E experience

    I was looking for a better rate for my mortgage and Better offered a fair deal. The whole process was run online, the web app is intuitive and the email support was always prompt to my questions. Once a Better team was assigned to my case the communication was superior. The whole process from requesting a formal quote to signing took less than a month.

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  • author
    Hal
    May 03, 2021
    I wish everything worked like this.

    I think you guys have taken what used to be a stressful and frustrating process and have made it painless and smooth. It is online as it should be, but the people are always available to respond. Best of both worlds as far as I am concerned. Everyone was friendly, competent and available. I have no complaints.

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  • author
    Derek and Deneen
    May 03, 2021
    Smooth Refinance with Better

    We were very pleased with Better for our refinance on our home. From the very beginning their online process was user-friendly and easy to navigate. Their frequent emails kept us informed and helped us stay on task. We found each person we spoke to- from the initial phone appointment to any time we had a question- very helpful and friendly, and more importantly, well-informed. We believe that we got a great mortgage rate and are more than satisfied with how the process and the closing went. Thank you to each member of the Better team!

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  • author
    Brandon Kain
    May 03, 2021
    Amazing Start, Good Finish

    All around amazing process going through Better for my mortgage, I am a first time home buyer and heard the process was hell, but I thought it was pretty easy. Part because I am extremely organized and on top of my stuff as the team has told me numerous times and the many contacts and experts there were to help me made it easy to get my questions answered and any confusion solved pretty quickly. I did find the beginning of the loan process to be a lot more engaging than the later parts. It was easier to get responses from my team as well as faster, there was never confusion and I was contacted regularly for catchups. Not saying the ending part of the loan was bad, it just seemed to slack off a little and took my experience from absolutely amazing to great. All around I will recommend better.com to everyone I know, thanks!

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  • author
    Jeff W
    May 01, 2021
    The team at Better was VERY fast and…

    The team at Better was VERY fast and quick to communicate via email and on the phone. Great pricing structure on the loans. I would highly recommend a refi with them!

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  • author
    Steve D
    May 01, 2021
    Pushy but helpful

    Website with task list was mostly easy to follow and responsive. Contacts were quite pushy at first, sending several emails each day and also calling several times. I asked them to stop and they honored this request. After that, they were responsive to questions but left me alone which I appreciated. The Closing Expert Sarah was very helpful and always responded to emails very quickly and with accurate information.

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  • author
    Louis Hale Spoken Word Poet
    May 01, 2021
    Our experience with your team was excellent, efficient, and kind

    Our experience with your team was wonderful. They were very helpful with knowledge and understanding from the beginning to the end. We had generous, kind contact with everyone in every channel as necessary. We were very glad to close so quickly, and really appreciate the method of going through the whole process that Better uses. The layout of the site made it very easy to go through all the tasks. Sewing it all up with the Notary also went very well and everything was explained well and organized. Our small family does not have great resources to available, in this challenging time we truly appreciate what this loan is able to do for us in saving money. Thank you all for all your help.

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  • author
    Marty Freil
    May 01, 2021
    Great experience, very easy process

    I had a great experience. The team worked really well together and the online portal was really easy to use. The underwriting and approval process took almost the entire length of time of my rate lock, so I ended up paying quite a bit to continue the rate lock while we waiting for my HELOC lender to complete their subordination process. I would recommend granting a 45 or 60 day rate lock to your applicants to ensure that there is a reasonable chance to actually close the loan while the rate is still locked.

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  • author
    Duane Whittington
    May 01, 2021
    Excellent

    Excellent, excellent, excellent!!! From the start of the application, the forming of the loan and to the signing table... excellent! Great communications with the team members, Casey, Jacob, Carina and Dianna. Professional and Personal.

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  • author
    Rabab Naqvi
    May 01, 2021
    This was probably the worst refi…

    This was probably the worst refi experience I have ever had. I ended up closing only because I had invested over four months into the process and didn’t have the time or energy with two little kids to start over. Your team is energetic at the front end and at the closing end but nonexistent in the middle. They went on repeat vacations and I could never catch anyone or get any follow up on the status of my loan. I turned around all paperwork usually within 48-72 hrs. I will not recommend and am honestly just going this company sells my loan ASAP because dealing with Better.com on a regular basis makes me nervous.

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  • author
    Amy Sklut
    Apr 30, 2021
    Better made Refinancing a Smooth Process

    Refinancing is not an easy task but Better helped to streamline the process. There is a lot of communication throughout the process and you are constantly updated on where you are with submitting documents. If you miss something they will reach out to you in several different ways so you do not miss a deadline. I will definitely recommend Better.com

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  • author
    Stephen Benigno
    Apr 30, 2021
    Working with Better was straightforward…

    Working with Better was straightforward for the most part but communication and professionalism could be improved. I did not appreciate that I would receive an email notifying me of changes in my loan estimate, that was always resulted in an increased amount, without an explanation of the reason for the change. My initial estimated home value was 15% less than the appraised value, and I was refused an alteration in the rate or points available based upon this new information. However, my closing costs kept increasing based upon new information that I was required to provide. It made me feel taken advantage of, and that the $500 I spent for the required home appraisal was wasted and unused. When I would contact my Processing Expert, Lauren San Miguel, I did not receive legitimate reasons for questions I had regarding these issues. Additionally, she did not return my emails or calls for over two weeks. Due to the delays, I was within a day of my rate lock expiration when my loan was finally funded. Only after I started working with Karly McCabe did I receive responses expected with a professional financing company.

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  • author
    Aaron
    Apr 30, 2021
    This is why they named it BETTER

    I had just completed a "normal" process of financing a home with a local lender a few months ago. It was horrendous, swore I would never go through that again. Lo and behold I'm ready to refi. a different home decided that an online process couldn't be any worse than what I just went through. Better was so much "better". Better rates, Better transparency, and overall a Better experience. I've already recommended it to friends.

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  • author
    Vanessa Szanto
    Apr 30, 2021
    Better.com is actually Better!

    We think the name of the company is on point! In every way they were BETTER. The process was simple and clear. The website was user friendly and helpful. Our questions were answered promptly and throughly. We were continually met with friendly service and best of all we saved money!

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  • author
    Liliana Pichardo
    Apr 30, 2021
    Everyone on my team was amazing and…

    Everyone on my team was amazing and super quick to respond to any of my questions. Would recommend 100%.

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  • author
    John
    Apr 30, 2021
    Couldn't have gone better

    From researching the best rate and finding better.com, then working with each of the team members that was assigned to me, the process was simple, easy, and fast. Everyone was so kind and communicated well. You can set up a phone call meeting if you feel you need one, but they reached out to me to help me through working the process and getting all the tasks completed. Thanks so much for such an easy, smooth process to refinance.

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  • author
    RJ
    Apr 30, 2021
    I was comfortable with your process

    I was comfortable with your process! The process was easy and pretty much hassle free, my only issue was the asking for the same information mutable times, I felt at times that no one really read the answers to the previous tasks assigned and the various tasks were being assigned just to keep me engaged in the process. At one point the portal did not show the progress and it was frustrating. I kept in touch daily with processor and that helped. I would refer Better Mortgage to anyone looking for a mortgage or refi, just keep on top of them and things eventually work well.

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  • author
    Satya Gadekal
    Apr 30, 2021
    Great experience refinancing my home loan.

    i had great experience working with Better.com team, special shout out to Kentrell Jenkins who helped me every step of the way, keeping me informed.

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  • author
    Swapan Sahoo
    Apr 29, 2021
    very professional, efficient, and non-pushy

    very professional, very efficiant, much clean conversation and no persuation. Perfect for people like me.

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  • author
    Gabe Stevenson
    Apr 29, 2021
    Loan closed in 3 weeks start to finish

    Loan closed in 3 weeks start to finish. I liked how we had control up front in terms of selecting from different loan rate/closing cost options. Team was responsive. No redundancy or picky explanations about bank transactions etc. Better seems able to see the person without asking a million questions. I liked the home page and it was easy to complete tasks.

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  • author
    Michael
    Apr 29, 2021
    Super Easy Experience

    Overall we had a really good experience. Our team kept us updated throughout the whole process which was only 3 weeks from start to finish for a re-fi. The only task system makes it easy to keep track of everything. The only downside to the online system is that there is no flexibility or ability to make comments. For example one task will be to provide your work address and phone number for verification however we could have made the process much faster by uploading our company's 3rd party verification form - there is not option to do that. We also had items that were asked for a few times with no explanation on why they needed the same document that was just provide a week before.

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  • author
    Name Unknown
    Apr 29, 2021
    Their appraiser is the worst

    Their appraiser is the worst. He evaluated our home $495000, my next door unit which has the same squared feet and bedrooms and bathrooms was sold $690000. Then we didn’t get approved for refinance.

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  • author
    Tom Rozborski
    Apr 29, 2021
    Streamlined Convenience

    Better made my refinance process streamlined and simple. I really enjoyed their interactive options for selecting the right loan for me (rates, points, and years). I shopped around to check for the best rate and Better always came out on top. The paperwork process was easy because of the digital interface and breakdown of tasks. I also liked that there was no sales pressure in loan origination, unlike competitors. The only hiccup in our process was a signature issue after our signing day, but it did not sully our overall experience.

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  • author
    Smith Poston II
    Apr 29, 2021
    Never Again!

    My wife and I have re-financed our house a few times in the past twenty years, this was the worst experience we’ve ever had doing a re-finance!

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  • author
    Oscar N
    Apr 29, 2021
    The online process was great

    The online process was great, “my team” was very helpful during the entire process even when I had questions answering in reasonable time

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  • author
    Wilson Infante
    Apr 29, 2021
    Experience was amazing and quick

    Experience was amazing and quick. All questions answered in a timely manner. Everyone was so helpful

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  • author
    Jake Hinderliter
    Apr 29, 2021
    Start to Finish, Streamline.

    Everyone start to finish was very attentive, and the process was very streamline. I was extremely pleased with the quickness that the loan estimates were created. Very cutting edge website and I cannot wait until the IPO. Such a great company and working for a great company like Apple Inc. I know a winner when I see one. I look forward to future loans with your great company! I personally want to Thank Krys Williams, Christopher Kmec (VIP), and Sean Zadrovitz. Thanks Again! Jacob and Erika Hinderliter

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  • author
    Nicole
    Apr 28, 2021
    Would highly recommend

    This was honestly the easiest process I’ve ever been through. Our realtor was shocked at how quick everything was done. We were cleared to close in 10 days!!! Everyone we worked with was great. We had all our questions answered in a timely manner. I completed the tasks as quickly as they were assigned and never had any issues completing them. We are very excited to be closing tomorrow. Thank you for helping us finally become homeowners

    ...

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