What is Better Mortgage?

Published July 22, 2016

Updated December 23, 2025

Better
by Better

Have you ever wondered why buying or refinancing a home is so outdated and complex? You’re not alone. Millions of people go through the mortgage process each year. It is a cornerstone of our economy. Families everywhere build their lives around this asset. For almost everyone, their home represents the biggest financial transaction of their lives.

And yet the mortgage industry is so far behind.

  • It’s behind on technology. The best-in-class origination software was written in the ‘90s.
  • It’s needlessly unclear. Got that PUD / Condo Cert request? How about your VVOE or WVOE?
  • Worst of all, it’s not very user-friendly. Why does it take so many phone calls just to get pre-approved?

Everywhere we look we see legacy infrastructure, needless middlemen, and frustrating pain points. It’s clear that the process doesn’t work for the busy, modern-day, mobile consumer.

Some lenders pretend as if the internet doesn’t even exist.

We launched Better Mortgage with the goal of building a fundamentally different mortgage company; one that is simple, transparent, and completely online. Consumers are clamoring for a simpler mortgage experience. We believe better technology is the way.

At Better Mortgage, we’re bringing mortgages into the 21st century.

First we assembled a world-class engineering team. Our team hails from places like Google, Microsoft, and Spotify. Then we acquired an existing mortgage bank and rebuilt it from the ground up, rewriting traditional assumptions at every step.

Since we are a technology company at heart, our team is constantly improving the process as we learn from our customers.

Today we’re proud to offer a fully re-engineered mortgage experience that puts users first. In 2016, no one should have to play phone tag. No one should have to fax a document. And no one should have to pay thousands of dollars in commission to a loan officer who mostly slows the process down.

So what does that mean for you?


0% commission

Communicate on your terms. Work with our non-commissioned Mortgage Experts by chat, phone, email, or even text — we won’t call you unless you need us to (unless it’s really urgent). At Better Mortgage, you work with support, not sales.

100% online

Complete the entire process online — make progress 24/7. Nothing should slow you down.

Be efficient and paper-free. Save time by e-signing documents, linking bank accounts, and securely uploading files.

3-minute pre-approval

What used to take weeks now takes minutes. With Better Mortgage, applying for a pre-approval for a refinance or new mortgage only takes 3 minutes. And it won’t affect your credit score.

 A Better Mortgage is a Modern Mortgage. Get Pre Approved Now

Related posts

How much house can I afford with a $200k salary?

Learn how much house you can afford with a 200k salary. See how debt and interest rates impact your budget, and find your ideal price range.

Read now

How much money do you need to buy a house? Cost breakdown

Learn how much money you need to buy a house with our complete cost breakdown to get the complete picture of homebuying expenses.

Read now

VA loan closing costs explained: What to expect and who pays

Learn what VA loan closing costs cover, how much they are, and who pays them. Discover how to reduce fees and confidently close on your home.

Read now

FHA multifamily loans: Become a homeowner with government support

Discover how FHA multifamily loans work and explore benefits like lower down payments and more flexible credit requirements in our guide.

Read now

Bank statements for a mortgage: What lenders want

Learn the value of bank statements for a mortgage approval. Understand what lenders and underwriters look for, and the red flags you should avoid to get approved.

Read now

How to buy an abandoned property: A step-by-step guide

Learn how to buy abandoned property with our guide covering finding, purchasing, and financing abandoned homes.

Read now

Pre-qualified vs. pre-approved: Learn the difference

Learn the difference between pre-qualified versus pre-approved. Understand their benefits, when to seek them out, and how they affect your home buying journey.

Read now

Primary residence, second home, or investment property: What’s the difference?

Buying a house? Learn how your property type—primary residence, second home, or investment property—affects your mortgage rates, including investment property mortgage rates vs primary residence.

Read now

Why locking your mortgage rate won’t box you in

If you’re applying for a mortgage or refinancing, you’ll need to “lock” your rate during the loan process. Here’s a breakdown of what exactly that means.

Read now

Related FAQs

Interested in more?

Sign up to stay up to date with the latest mortgage news, rates, and promos.