We financed through Better We financed through Better. Things started off well, but the day before closing they stated we would have an excess of credits. We decided to use that excess to buy down points and we also agreed to remove one of our insurance fees this would have covered it. On the day of closing the numbers changed and I had to bring more money to the closing table. It was very difficult to get a hold of anyone who was licensed to speak about rates. When we finally did get someone 2-3 hours before the actual signing there was an oversight on the numbers they provided us. We could not roll things back unless we waited another three business days. TLDR; In the end we had to buy down points, which we did not want to do. It costs us an optional insurance and bringing additional money to closing. To recoup just the cash portion brought in it would take 2 years. Very bad transaction.

Better is the future of buying homes. Overall working with Better was a great experience. Getting a pre-approval letter is real fast. Some things to consider when working with Better, make sure you have access to your whole financial situation. Things that can at can delay and ruining your experience if you work sales and make commission, if you receive RSU (restricted stock units) from an employer. One issue I had was I did not attached my checking account as an asset and there was not an easy way to fix that. In all it was a great experience and we were able to close on the date promised. I would use Better again.

Great first experience with Mortgage Had a great experience with my first every mortgage with Better. Jamie O and Chantel C made the experience streamlined and efficient at every turn. Would highly recommend using them for any mortgage needs!

Low cost, process efficiency, but terrible at correcting errors Two major pros: - Significant $avings compared to alternatives - Online process was *usually* well organized One significant con: - When there were relatively minor problems, the process for correcting them was obscure at best. For example, we decided to opt-out of owners' title insurance, but in spite of many reminders, that wasn't corrected until 4 pm on the day before closing. There were at least three other similar disconnects. It seems like in the name of efficiency, Better doesn't empower the point of contact to fix problems directly.

Honest lender, work like a tech company To be honest, I was initially apprehensive with the self-serving model and no salesperson chasing you. However, I had a great experience and my loan agents acted like advisors and keeping me on track with respect to the task outstanding. Though it went a little close to escrow, they kept me informed and I had a successfully closing. There zero commission model is great and they provide unmatched transparency. Would love to work with them again.