- Sample APR
- 6.61%
- Min. down payment
- 3%
- Loan types
- Conventional, FHA, Jumbo
- Min. credit score
- 620
Why it stands out
Better highlights
- Charges $0 in lender fees on most loans
- One Day Mortgage promises a commitment letter within 24 hours
- Instant pre-approval in as little as three minutes
- Price-match guarantee against a competing Loan Estimate
The verdict at a glance
Pros and cons
Pros
- Among the lowest all-in costs of any lender we compared
- Transparent rates shown before you talk to anyone
- Genuinely quick underwriting for straightforward files
Cons
- No VA or USDA loans
- Fully online only, so complex files get less personal support
- No physical branches if you prefer face-to-face closings
Our full review
Our take on Better
Better charges zero origination, application or underwriting fees, and its rates consistently undercut the big retail shops. The trade-off is a lean, self-serve model with no in-person hand-holding.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Better’s own site before you apply.
The alternatives
How Better compares
Other top-rated lenders in Mortgage Loans. Compare the numbers side by side before you decide.
| # | Provider | Rating | Sample APR | Best for | |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | 6.74% | Best all-around online mortgage lender | See Rates | |
| 2 | SoFi | 6.69% | Best for members with strong credit | See Rates | |
| 3 | Veterans United | 6.58% | Best for veterans and active military | Get Quote | |
| 4 | New American Funding | 6.99% | Best for lower credit scores | Get Quote |
- Rocket Mortgage4.9Best for Best all-around online mortgage lender
- SoFi4.6Best for Best for members with strong credit
- Veterans United4.5Best for Best for veterans and active military
- New American Funding4.3Best for Best for lower credit scores