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$100 billion in online home loans $100 billion in home loans funded entirely online phone (415) 523 8837 Questions? Give us a call. Menu Better Get started * Better * Buy or Sell * Apply Now * Purchase rates * Find an Agent * Partner Agent Network For Agents * Mortgage calculator * Learning Center * Refinance * Apply Now * Refinance rates * Cash-out refinance calculator * Learning Center * HELOC * Apply Now * HELOC Calculator * Learning Center * Rates * Better+ * Get Insurance * Title and Closing * Better Attorney Match * Learning Center * Sign in * Get started PURCHASE MORTGAGE RATES TODAY FOR * HELOC * Purchase * Refinance NO COMMISSIONS. FAST PRE-APPROVAL, WITH NO HARD CREDIT PULL. The below rates are estimated rates current as of: 1:50 p.m. GMT on Jan 20 * 30-yr fixed Info get-started RATE 6.875% APR 7.101% POINTS (COST) 2.02 ($3,230) TERM 30-yr fixed Info RATE 6.875% APR 7.101% POINTS (COST) 2.02 ($3,230) Get Started * 30-yr fixed FHA Info get-started RATE 7.000% APR 7.422% POINTS (COST) 2.26 ($3,612) TERM 30-yr fixed FHA Info RATE 7.000% APR 7.422% POINTS (COST) 2.26 ($3,612) Get Started * 20-yr fixed Info get-started RATE 7.375% APR 7.694% POINTS (COST) 2.14 ($3,425) TERM 20-yr fixed Info RATE 7.375% APR 7.694% POINTS (COST) 2.14 ($3,425) Get Started * 15-yr fixed Info get-started RATE 7.125% APR 7.574% POINTS (COST) 2.51 ($4,014) TERM 15-yr fixed Info RATE 7.125% APR 7.574% POINTS (COST) 2.51 ($4,014) Get Started Have another rate? Let us match it → Get the latest tips and tools for homebuyers and sellers Sign up → Get the latest tips and tools for homebuyers and sellers Sign up D/Icon/Arrow/Down 1:37 THE DIFFERENCE BETWEEN “FIXED RATE” AND “ADJUSTABLE” 1:16 WHAT ARE POINTS AND CREDITS? * Rates can change several times a day, so we make sure you have the latest. We updated them at 1:50 p.m. GMT on Jan 20. Interest rates and APRs are for informational purposes and do not include all applicable fees. Your actual rates, payments, and costs may differ. * Rates and fees are as of time displayed above and are subject to change without notice. * The one-time costs shown include points/credits and third-party fees. An escrow deposit, pre-paid interest, and other charges may be required depending on your situation. * We don’t yet have your complete financial picture. Your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan. * Loan approval is subject to underwriter review: not everyone who applies will be approved. * We also assume: closing costs are paid out of pocket; your debt-to-income ratio is below 35%; you are purchasing or refinancing a single-family home that is your primary residence; you are making a down payment of 20%; and your credit score is 760 or higher. * Refinancing may cause your finance charges to be higher over the life of the loan. Get Started Get the latest tips and tools for homebuyers and sellers Sign up → Get the latest tips and tools for homebuyers and sellers Sign up D/Icon/Arrow/Down Better Better is a family of companies serving all your homeownership needs. We can’t wait to say “Welcome home.” Apply 100% online, with expert customer support. Connect with a local Better Real Estate Partner Agent to find out all the ways you can save. Shop, bundle, and save on insurance coverage for home, auto, life, and more. Get free repair estimates, 24-hour turnarounds on reports, and rest easy with our 100-day inspection guarantee. Get transparent rates when you shop for title insurance all in one convenient place. Better Attorney Match will help you find experienced attorneys to help with negotiations, closing, and more. Twitter logoTwitter logo Facebook logoFacebook logo Instagram logoInstagram logo LinkedIn LogoLinkedIn Logo SERVICES * Buy a home * Sell a home * Home affordability calculator * Home Improvement Loan * Contact an Agent * Get home inspection COMPANY * About Us * Careers * Media * Partner With Us * Learning center * FAQs CONTACT US * hello@better.com * 415-523-8837 * FAQ * Glossary LEGAL * NMLS Consumer Access * Privacy Policy * Terms of Use * Disclosures & Licensing * Affiliated Business * Browser Disclaimer -------------------------------------------------------------------------------- © 2023 Better Holdco, Inc. and/or its affiliates. Better is a family of companies. Better Mortgage Corporation provides home loans; Better Real Estate, LLC and Better Real Estate California Inc License # 02164055 provides real estate services; Better Cover, LLC sells insurance products; and Better Settlement Services provides title insurance services; Better Connect, LLC dba Better Attorney Match provides real estate attorney connection services; and Better Inspect, LLC provides home inspection services. All rights reserved. Home lending products offered by Better Mortgage Corporation. Better Mortgage Corporation is a direct lender. NMLS #330511. 3 World Trade Center, 175 Greenwich Street, 57th Floor, New York, NY 10007. Loans made or arranged pursuant to a California Finance Lenders Law License. Not available in all states. Equal Housing Lender. NMLS Consumer Access Better Real Estate, LLC dba BRE, Better Home Services, BRE Services, LLC, Better Real Estate and Better Real Estate California Inc is a licensed real estate brokerage and maintains its corporate headquarters at 325-41 Chestnut Street, Suite 826, Philadelphia, PA 19106. Here is a full listing of Better Real Estate, LLC’s license numbers. Equal Housing Opportunity. All rights reserved. Better Real Estate employs real estate agents (“Better Real Estate Agents”) and also maintains a nationwide network of partner brokerages and real estate agents (“Better Real Estate Partner Agents”). Better Real Estate Partner Agents work with Better Real Estate to provide high quality service outside the service area covered by Better Real Estate Agents or when Better Real Estate Agents experience excessive demand. New York State Fair Housing Notice New York Standard Operating Procedures Texas Real Estate Commission: Information About Brokerage Services | Consumer Protection Notice Better Settlement Services, LLC. 325-41 Chestnut Street, Suite 803, Philadelphia, PA 19106. Homeowners insurance policies are offered through Better Cover, LLC, a Pennsylvania Resident Producer Agency. License #881593. 325-41 Chestnut Street, Suite 807, Philadelphia, PA 19106. Insurance quotes and policies are offered through Better Cover, LLC. A Pennsylvania Resident Producer Agency. License #881593. Here is a full listing of Better Cover, LLC’s license numbers. Better Connect, LLC dba Better Attorney Match and/or its affiliates. Better Attorney Match maintains its corporate headquarters at 325-41 Chestnut Street, Suite 846, Philadelphia, PA 19106. Better Inspect, LLC maintains its corporate headquarters at 325-41 Chestnut Street, Suite 846, Philadelphia, PA 19106. Better Mortgage Corporation, Better Real Estate, LLC, Better Settlement Services, LLC, Better Cover, LLC, Better Connect, LLC dbs Better Attorney Match, and Better Inspect, LLC are separate operating subsidiaries of Better Holdco, Inc. Each company is a separate legal entity operated and managed through its own management and governance structure as required by its state of incorporation, and applicable and legal and regulatory requirements. Products not available in all states. Any unauthorized use of any proprietary or intellectual property is strictly prohibited. All trademarks, service marks, trade names, logos, icons, and domain names are proprietary to Better Holdco, Inc. Better Holdco, Inc. trademarks are federally registered with the U. S. Patent and Trademark Office. Better Cover is a registered trademark with the U.S. Patent and Trademark Office and is owned by Better Cover, LLC.