Better Mortgage Corporation was founded in 2016 as a direct lender company that uses technology to offer borrowers a quick and transparent digital mortgage experience.
Backed by heavy-hitting investors like Goldman Sachs, American Express, Citi Bank, and Kleiner Perkins, Better Mortgage Corporation has funded over $28 billion in mortgage loans to its customers.
Better Mortgage Corporation is a lender created for the online age. While many mortgage lenders offer online applications, Better Mortgages takes it a step further, with their proprietary algorithm which enables them to assess and approve home buyers from a wide range of backgrounds.
Because of its mostly digital platform, Better Mortgage is able to save on a ton of overhead costs, which means they’re able to charge their borrowers less. In fact, they don’t charge any origination fees, lender fees, or commissions. The platform is completely digital, from beginning to end. Upon completion of your application, you can log in at any moment to check on your application process.
What makes Better Mortgage Corporation unique is that it only offers conforming loans, with a choice between fixed and adjustable rate mortgages. In addition to conventional mortgages, it also offers a variety of other benefits and products.
Here are a few of the products available:
● Better Settlement Services. When you’re deep enough into the application process and are looking to get third-party closing costs figured out, Better can help match you with third-party services that are affordable. Their nationwide notary network is able to meet you in person wherever you need.
● Better Cover. If you’re buying a home or simply refinancing, you’ll still need home insurance. Better Mortgage Corporation can also match you with the right home insurance agent within seconds, using the information you’ve already entered into your application. You don’t have to do anything else except pick the insurance you’d like.
● Better Real Estate. If you’re still looking for a home, or haven’t started yet, Better can match you with a trusted real estate agent to help you with the home-buying process. Simply tell Better what you’re looking for in a house, and they’ll match you up with a specialist, passing along the savings right to you (up to $2,000 off closing costs).
Mortgage Loan Rates & Terms
Better’s repayment terms are either 15, 20, or 30 years, and 5/1, 7/1, and 10/1 options for adjustable rate loans. Because all of Better Mortgage’s loans don’t have prepayment penalties, you’ll be able to pay back the loan quicker if you wish, saving you thousands in the process.
Better Mortgage’s average closing costs work out to $3,598 in third-party fees for purchasing a loan. For a refinancing loan, they come to $1,824, on average.
Better has extremely competitive rates. And, most importantly, they offer transparent, real-time rates on their websites without having to make a formal request.
- Almost completely digital application process
- Algorithms don’t require a hard credit check
- No lender or origination fees
- Not available in every state
- 3-6 weeks processing time is a bit longer than other digital lenders
- No government-backed loans
- Better could transfer your loan to another service provider
Better Application Process
Better has a completely online application process which takes about 3 minutes for homebuyers looking for basic pre-approval. And while the website indicates that it can take up to 2 hours when shopping for a home and 30 minutes if you’ve already found a specific property to buy, the application for refinancing only takes a few minutes.
Once you fill out a form with a couple basic questions about your financial picture, prospective property, or home equity, you’ll be given an initial loan estimate. Next, you’ll be connected with one of Better’s dedicated loan officers for extra support along the way.
Once you’ve completed a few tasks including documentation, you’ll receive a loan estimate and will be able to request a locked-in rate. Better Mortgages typically closes a mortgage loan in 3-6 weeks after you’ve locked in a rate.
For customer support, Better offers a single dedicated loan officer for every customer which is a great addition to their baseline support. The loan officer will help you throughout the entire loan process, wherever you need help.
Their baseline support includes email and you can get in touch by emailing firstname.lastname@example.org. Or, you can call in by phone to request a convenient time for a support rep to call you back (or request a call through an online form).
Your loan officer and regular customer support are open from:
Better also has a ton of information on their website including educational resources and also includes a simple FAQ section.
Final Thoughts on Better
So, should you use Better.com to access a home mortgage loan?
Better is one of the best tech-driven digital mortgage lenders on the market. With a quick loan application process compared to traditional means, competitive rates, and no origination or lender fees, it’s one of the best options available when looking for a loan.
While they do impose a minimum credit score of 620 like most lenders, their algorithm makes it much easier to secure a loan for scores between 620-700 (compared to their competitors).
Any borrowers that meet the minimum 620 credit score will be able to secure a loan with Better. However, the group that will benefit the most from Better’s services are minority borrowers who have had difficulty getting approved by traditional mortgage lenders.
No, unfortunately, they do not offer any commercial construction loans at the moment.
Yes, Better will service your mortgage, but they won’t necessarily do it for the lifetime of your loan. At some point in time, Better.com may transfer your loan to a permanent provider. It has a large roster of mortgage investors and servicers, including banks, government entities, and other firms. They will contact you if they transfer your loan to a third party.
Better Mortgage Customer Testimonials
Great 621 Reviews
19 September, 2021
Unprofessional Liars - Avoid!
Started process with them on May 4th, supposedly cleared title 2 weeks later. Claim was that they were "looking for an appraiser" since my property had some acreage attached and "only certain people were able to appraise these types". Got several follow-up emails asking about the parcels and their descriptions, literally asking the exact same questions. They couldn't wrap their brains around the fact that the mortgage covered more than one parcel. At some point during this, I got an email saying they had to look for another appraiser because "I never responded to messages from the appraiser." This was a complete lie, confirmed. After 2 months of waiting, I finally called a supervisor, who told me in fact that the appraisal wasn't ordered in May, but at the END OF JULY because of their incompetence dealing with the two parcels. So after 4 months of waiting, lots of back and forth, and lots of lies, I get an email saying they are closing my application because they "can't find anyone willing to appraise the property" when I know for a fact the company who appraised it less than 2 years ago is still operating and not very far from the property (about an hour away), not uncommon for rural properties. AVOID THESE LIARS LIKE THE PLAGUE. And to think the email said, please consider us in the future. I've never had a team of more incompetent amateurs all the way up to the supervisors in my life... yeah, right.
LANTERFAM LIONS DEN
14 September, 2021
Constant battle - processed my own loan
Constant battle getting title ordered and fees charged as well as the CD and HOI costs and income they had wrong, but they finally realized they had income wrong (took two weeks) and then we emailed daily to get the loan to funding. We hung in there for the rate but it’s not worth the small amount we will save each month. By far the worst experience in 25 years of owning a home twice and refinancing three times. The process is so broken down no one knows what is going on, they cannot read a credit report and had debts counted that were authorized signer debts and in the beginning we asked about being vested in an LLC and no response. Then a month later we had to submit a document regarding a business that closed in May of 2020 that was in the LLC... due to current vesting. It’s so backward and slow.... I mean good credit, W2 employee, no brainer! Go elsewhere. We filed a complaint with the CFPB and as of today the loan has not funded as they asked for the RTC but have all other docs. Do they have money flow issues because they should have all documentation and luckily we took pictures of the important items we signed! What a nightmare. Who knows if it will close.
11 September, 2021
Don't even think about it
Same as most other reviews, you need to talk about something, good luck! The loan "officer" assigned never answered phone or email. Worked with wrong loan payoff till last day, you are paying points you are not told about and discounts you never see. I only got some movement when I told them to cancel notary appointment as I was decided to not sign. The low rate you see is due to points you're never told about and zero closing cost are just your imagination. Better go with some other lender.
09 September, 2021
This process sucks. 🤬😡
Still waiting… month and a half later, for a basic appraisal to complete. Bank says “nothing we can do”. This is probably the worst experience imaginable. Having to find another backup lender last minute and hoping we’re not so screwed there’s no coming back. This sucks.
03 September, 2021
Strung me on for a month them a few days before closing, they tell me I won't be able to close. I sent all the requested documents on time and wasted so much time on the process to get screwed by these people less than 4 days before closing was supposed to take place. Callous response from the advisor, telling me I have to reapply, in which case, I won't get the deal I was promised, or pay for lock extension. My application is not simple, and I had to send over $200 supporting documents. I'm convinced that all they were after was the lock extension fee, and they had no intention of closing on time. Stay away.
01 September, 2021
STAY AWAY GO ELSEWHERE
Horrible, where do I start? I signed up for the membership and due to the horrible system/tech - they have no screen to confirm your membership which then I refreshed the page and sent me back to the landing page. I then saw I was charged twice, opting for TWO MEMBERSHIPS! You cannot get assistance very easily, I spoke to a person on the phone and was able to get ONE of TWO membership cancelled however I still haven't been processed for a refund. After opting for the second membership, it was extremely difficult to use their system to make bookings - I've checked the available bookings and THEY HAVE NO LESSONS for LEARNERS available to my timetable. It's either VERY EARLY in the morning or in the evening all the slots are booked off. I then requested another cancellation the same day I've created the memberships, I'm still waiting to hear their reply. I've created tickets on their "support" page but haven't received a single response from their support. My support ticket was cancelling my membership and to be offered refund. Horrible system, stay away - they make it extremely difficult for you to use their system and their services. If you can, spend the extra money elsewhere for a more efficient system.
31 August, 2021
if you need help, you get ghost
When I was gathering information and was not hooked to them, they were so active and replied within few minutes. So far so good. Problem started when the initial closing cost/amount that we agreed on changed at the last minute (not few dollars, it was almost 10 folds more). I tried to reach by phone, emails so many times and they never replied me back because I was already hooked to them. This was one of the worst experience in my life. Customer service does not exist at all. The agent will become ghost when they take money from you. If you do not know the process, do not go with them. You will have to do it yourself. They keep sending forms to sign so frequently. If you do not do it in time, your get extended for X days. I do not recommend and will never go with them in future. I will pay few more bucks and go with some reputed banks or local agents.
27 August, 2021
NEGATIVE STARS!!!!! I was working with Better Mortgage to Refinance my house. I have had the worst experience in my life with Better like worse than HELL! They have had me on a cruel and evil emotional roller coast for 42 days!! I had to take a lot of time to get all kinds of paperwork and I got limited updates, I had to call and email several times to see what was taking so long & to understand their requests & even had to correct their typos like my birth year was wrong & I even got told everything is looking good so of course, I was getting hopes up & I expressed that to them many times and then after I went through so many hoops they call on day 42 & say I am denied because I haven't received child support for six months. They "missed" it. So this whole time I wasn't going to get approved and they dragged it out for 42 days. To say the LEAST, This has caused me so much anxiety, heartache, pain, anguish, waste of my VALUABLE TIME, a huge emotional roller coaster! They have no idea what this has done to me &my kids. DO NOT GO TO BETTER!!!! They are the WROST
27 August, 2021
The WORST LENDER in the business. Do it yourselfers that don't know how to do it. The one thing they were good at was passing the buck (more "department titles" for that pr crap) than people actually processing the loan. If I didn't know to look up my RE taxes on the house, the late fees and penalties I incurred due to the company not paying the taxes out of escrow, I could have lost my house! There are several other instances of information they lost and I had to reconstruct, but that would just be beating a dead horse. THE WORST LENDER!!!!!!!
20 August, 2021
Complicated, and simply NOT better.
The process of getting a mortgage is convoluted, disorganized, and annoying. There is a high degree of repetition in completing the tasks, and menial items come up almost daily. When I refinanced a few years ago with a bank, the mortgage specialist gave me a list of items needed up front. I gave him the requested documents and information, then we were done with that step. "Better" certainly is "worse" than a traditional banker. If you don't like communicating with humans and prefer working with poorly wired robots, then you'll probably like Better.
16 August, 2021
Better.com conned me into a cash out…
Better.com conned me into a cash out refi, I specifically told my home advisor I was planning to use the proceeds to payoff other debts and then would be purchasing a new home right afterwards and they said that would be no problem...refi closed, got into contract to sell my current house and buy a new house and now I'm told Better will not let me use ANY of the proceeds from my house sale or the leftover funds from my refinance toward the purchase of the new home since it was refinanced through them....this has caused HUGE issues in my buying/selling process...don't believe anything they tell you, they'll give you false information to get their commission and then you get stuck with the issues.
30 July, 2021
Ready to bail
Everything began great, but after the first 2 weeks the process really stalled. Every time I finished a task thinking everything was wrapped up, something else had to be done. Why Better didn't give me everything upfront, I'm not sure. My loan should have been wrapped up in 3 weeks, but here we are 4 weeks later and still not done.
10 July, 2021
Poor customer service
Poor customer service. It's hard to talk with anyone in the underwriting stage and I have to wait days to be able to schedule a call.
07 July, 2021
Great rates and great service.
The had the lowest rates AND the lowest closing costs. Staff were attentive and communicated well through the whole process. Closed in 3 weeks and received my funds as scheduled. Couldn’t ask for a smoother experience for my re-fi.
07 July, 2021
I was very skeptical about on-line mortgages, but Better surprised me. The online interface was easy and intuitive. I was pleased that it was very easy to talk with someone at every step. Although I didn't need much hand-holding, the people I did speak with were friendly and knowledgeable. I had dedicated people assigned at every stage and they emailed me whenever I was moving to a new stage and an new person. The closing was done at my house. Very, very convenient.
06 July, 2021
We did a refi through Better and the rate was very good and we also liked their online portal. However, we have never ever been asked to provide so much data, continuously. I understand the standard requests to verify income, investments, jobs, etc. However, I was asked to verify the data twice for a different time period, three times and for some of the data a fourth time. Mind you this is for a husband/wife with credit scores over 820. Very frustrating being on businesses trips while having to continuously re-verify the same data over and over. Suggestion: provide an up-front checklist of data that should be provided and stick to it. If additional data is needed, give an explanation as to why.
02 July, 2021
I had an application with them and another lender had a better offer. They said they would match. So far so good. I sent them the loan estimate doc from the other lender as requested. They say its too old (it was about 5 days old) - get us something recent. Fine - I give them one within the last day. Next it was - your application expired, please apply again. Fine. Next - the loan estimate again - needs to be within 2 days. Moving goalposts all the time.
02 July, 2021
We just refinanced with Better.com and…
We just refinanced with Better.com and are extremely happy with the whole experience! Everything was done online except meeting with the notary, who came to our house. It was, by far, the EASIEST refinance we've ever done. They walk you through the process step by step, giving you specific "Tasks" to complete, providing feedback if necessary. Our questions were answered in a timely manner and everyone that we worked with was extremely responsive and professional!
01 July, 2021
You should change your name from Better to Best!!!!
I had a terrible experience trying to get a refi through my current bank. I then applied through Better and I couldn't be happier! Frances Council spearheaded my refi. Between her and their Dashboard, the process couldn't have been easier. The communication was perfect! The terms were great! They had me approved in a couple of days and funded in 3 weeks! My current bank is still asking me to send them things after 6 weeks! I highly recommend Better!!!
01 July, 2021
This was an easy experience for refinancing our home…
This experience for refinancing from start to finish was straight forward and very quick. Only once we had some issue were we needed to resubmit the same document several times, but other then that great service! Thank you.
30 June, 2021
Absolutely seamless experience…
Absolutely seamless experience…. The platform is simple to use and the service was stellar, couldn’t have asked for an easier process.
30 June, 2021
The Easiest Refinance I've Ever Done!
This was the easiest refinance I've ever done. I was kept up to date at every step in the process and through closing. Whenever I had questions an Expert was available to speak with me. I did not experience a single issue and highly recommend working with Better for your next home loan if you value great customer service and timeliness.
29 June, 2021
Your Seamless user experience will make you #1 in about 3~5 yrs
My experience with Better was butter… not some old in the tub, smelly fridge butter, but smooth creamy churned by hand butter that has you lovin’ life on back of a yak on a yacht smakin’ lips on a fine toasty dinner roll. This was smooth, un-heard of smooth. There are lots of platforms out there to secure a mortgage, but better’s was creamy baby. It was so good it had me looking up jobs on your careers page hollerin’ “I want to work where there!!!” Thank you guys!!! - Matt
27 June, 2021
High Turnover = Time Wasted
Continually change the people responsible for underwriting. New people then ask for different documentation and seem to just forget to consider parts of the file we already submitted. It’s almost impossible to get someone on the phone. It’s a moving target and a waste of time. Get a rate quote/pre-approval, then go elsewhere to someone who’ll match it to get a deal closed in a reasonable amount of time.
22 June, 2021
Seriously, these people are good. I was in the process of applying for a large home equity loan and also a larger re-finance option, with two other (separate) companies. They both ended up messing with me royally: one wanted a "Quit Claim" deed (seriously??) and one kept changing the terms of the loan AFTER I got a legal disclosure. (They raised my loan costs 100% and took back about 10% of my cash out. That is not an "adjustment) Better.com did neither. I went into it telling the loan officer that I would toss them in a minute if they pulled either of those tactics. They did not. Disclosure was provided as agreed, and the final loan terms varied by only few dollars here and there. Further, every single person, from the beginning to the end, was prompt, knowledgeable and courteous. I really like them, and I would do it again.
21 June, 2021
Excellent experience. All details were explained, very helpful staff, cash to close was less than estimated, no bad surprises at closing.
20 June, 2021
Easy and transparent
This could not have been an easier process even though I am not a tech savvy person. There was very clear communication via email and phone and the loan fees were low and transparent. I would absolutely use this company again.
15 June, 2021
Great Experience and Very Professional
Great experience. The individuals assigned to handle our refinance were superb - always professional and very responsive to questions. The website was easy to use and communication from the Better team were relayed to us quickly via email, text, or phone call. I would highly recommend! Great rate, excellent communication, no hidden fees or costs. Fantastic!
14 June, 2021
I was very skeptical of an online…
I was very skeptical of an online mortgage broker while shopping for mortgages. Every other lender, both national and local, told me they could not provide a more competitive rate or lower closing costs than Better was offering. My local banker even said “I’m taking my banking hat off and talking to you person to person, there is no way we can compete with Better’s product, I’m even going to look in to them for my personal home refinance”. The entire mortgage process through Better was the fastest, most efficient loan process I’ve ever experienced. The ability to upload documents and e-sign made everything easy. There was almost always some one available to help immediately when any issues arose, and the couple of times some one wasn’t immediately available, they always responded within the hour. I would highly recommend Better to any one looking for a smooth, expedited, competitive mortgage product.
11 June, 2021
MILLION THANK YOU
I would like to say a MILLION THANK YOU to "Better Mortgage" and the entire team members who worked so efficiently on my home loan process with great quality of service , dedication, determination,faster and transparent communication. Greatly Appreciate from bottom of my heart and you guys went above and beyond with your work and processing my loan on time. Especially I would like to express my sincere and Heart Full Thank you to Andy, Colleen,Erin,Sara and Daniel. Majority of my time during my loan process I was interacting with Andy( loan process expert) and Colleen (closing expert) and both of them are great people to work , fast response and very knowledgeable.Again I was very impressed by their performance and remarkable customer service !!! You guys did a fantastic job !!!!
11 June, 2021
Best possible service experience!
At first, I was a little worried because it seemed like I never got to talk to the same person twice. But every person I was connected with was familiar with my file, and could intelligently address my questions. I started to feel grateful that I had so many competent (and pleasant) people working on my re-fi - there was no need to wait for ONE person to become available to address the many inquiries I had throughout the process. Everyone at Better could help me! So my refi went through without delay (I was the only bottleneck in the process, ha!) and their super-slick website made everything feel so easy. Better has earned my full-hearted recommendation, 100%!
11 June, 2021
Smoothest mortgage experience!
We just closed on our new house today and this was the smoothest experience. There was one minor hiccup at closing that was resolved right away. I've purchased homes before and and dealt with error after error throughout the process with other lenders. I kept waiting for something to go wrong but nope! Smooth as butter. 🙂 Oh and the best part about them, when you call them, they answer immediately and the first person you speak with gets you an answer right away or finds it for you. I think the longest time I spent waiting on the phone was maybe 3 minutes but they checked back every minute. Wow! That is a 180 from the normal "you're call is important to us but you'll be on hold for the next 3 hours" these days. We are so happy with this experience!
10 June, 2021
I wish to express my outmost gratitude to the Loan Consultant: Hunter Kennah, the Leadership of Processing Team: Sam Ridgely and the Closing Expert: Courtney Dunn.
10 June, 2021
No better than better
Jun 10, 2021: I had an easy time working with the people at Better. Their responses were fast via email, and if I needed to, scheduling a call, or just impromptu calling and getting someone was also easy. I had tried to refinance with my previous lender who was busy, and as a contractor, lenders can sometimes make getting the loan more complicated than it needs to be. At Better, everything was straightforward Aug 09, 2021: I'm downgrading to 4 stars because follow up questions about the loan have been completely ignored by the whole team. I guess once the loan is completed, they feel like they don't have further obligations regarding the loan they secured. I don't like this kind of attitude.
10 June, 2021
Overall experience was great
Overall experience was great. The team communicated very well throughout the process and quickly addressed any questions I had. Would definitely use them again and recommend them to others.
10 June, 2021
Super easy mortgage process!!
Super easy mortgage process!!! I loved the communication about the status of our loan. We were able to speak with a processor before committing any money to the process to gain a clear understanding of what options were available. The process moved as quick as I could upload documents. It’s odd that we had to ink sign so many closing documents given how “electronic” the process was until closing. I highly recommend using Better Mortgage.
09 June, 2021
Would give experience more than 5 stars...
refinancing with Better.com was the best decision - super easy and most efficient process we've been through - highly recommend!!!
09 June, 2021
Consider Better for your mortgage or refinancing needs!
We were very pleased with our Better refinancing experience. It was extremely streamlined and all of the Better employees that we worked with were polite, helpful, and responsive. We felt supported from beginning to end and absolutely encourage anyone seeking mortgage or refinancing services to consider Better.
K. G. HOWLE
09 June, 2021
A Better Experience Became the Best!
Better Mortgage created a wonderful refinance experience for me not once, but twice this year. Not only is the online application logical to complete, but their process representatives are so personable, professional and efficient throughout all the steps of securing a loan. Great communication via phone, email, portal and timely follow-through is important to me so that I am aware of where we sit in the loan process. Better was excellent in all communicative and business areas plus they showed more transparency in their fees and loan costs. Because of the first relationship, I pulled two separate mortgage loans from national bank institutions in order to accept their terms. This decision provided not only a top rated experience for me but also a monthly and term cost savings. Thanks to each of you for your time and interest in me!
09 June, 2021
Closing with Better Mortgage was super…
Closing with Better Mortgage was super simple. Majority of all communication is electronic, which for me, made things a lot easier. The portal that they utilize to upload documents is easy to use. This was probably the smoothest closing process I've ever gone through.
09 June, 2021
Better.com gave us an incredible rate and their representatives were helpful and responsive throughout the process. I was very impressed and would highly recommend them.
08 June, 2021
I'd do it again
Though checklist of deliverables seem daunting and endless at times, it really is easy. I'd absolutely use Better again.
08 June, 2021
Look no further than the Better(BEST) mortgage team!
Start to finish the Better Mortgage team operated a single cohesive unit, making a usually unpleasant process, as pleasant as could be. I was kept informed throughout the whole process with informative emails and calls, the process was smooth and continuous. The cherry on top of the cake was when an alternative mortgage was offered to me which saved me $9000 on my closing cost. Closing was quick, at my place on my terms, look no further than the Better(BEST) mortgage team!
08 June, 2021
Perfect for someone like me
Perfect for someone like me, who wanted to do everything online. It was easy to answer questions and upload documents. The early person I spoke with helped me figure out the perfect loan that balanced my priorities. He got what I was looking for right away. Once I got into uploading documents, it barely took any time to do my refinancing. Under a month. I can imagine someone who isn't computer savvy might not like using Better, but for someone who didn't want to meet a bunch of people in person, this was perfect.
08 June, 2021
The team at better was very helpful and…
The team at better was very helpful and responsive. The online task tracker was easy to understand, use efficiently and follow progress. The mobile notary was easy to schedule and accommodating. The only drawback was understanding the details for credits on my loan estimate. I feel like the $500 referral discount was buried in the total and never felt entirely confident of the amount in the credits.
08 June, 2021
My refinancing was quick and everyone…
My refinancing was quick and everyone was helpful. Thank you to everyone!
08 June, 2021
Make your life easier - leave the details to Better Mortgage!
Better Mortgage was a real pleasure to work with throughout the entire process. They certainly made the process appear easy! I was extremely pleased to find that they were readily available to answer my questions and direct me in the process. Nicole Valencia, especially, went above and beyond normal expectations to be of assistance. She answered my questions quickly and efficiently and did not hesitate to ask others for clarification or verification. We were pressed for time in closing our loan and had to meet a specific date; Nicole made certain that we were on track to meet our date.
07 June, 2021
The process was very easy and stress-free. I would definitely do it again.
07 June, 2021
The better mortgage
The entire team was professional, thoughtful and kind. The website and systems made for a seamless, transparent and satisfying refinance experience that was vastly superior to earlier experiences with other mortgage lenders. Thank you all! Thomas & Haoyang Charlottesville, VA
07 June, 2021
2 Stars for rates and speed - The rest was a mess...Updated to 1 Star for Servicing Transfers
I used to work in the mortgage industry so I have a pretty good idea of how this process works. They get 2 stars for having the lowest rates and for fast processing and underwriting times. The rest of the experience was a bit of a mess and clunky. So you start with putting in what type of loan you're trying to qualify for then it asks you for the normal documents. I was doing a refinance and rolling in the closing costs so I wouldn't need any cash to close. It didn't correctly add in the amounts at the start of the loan and then also asked me for bank statements to show sufficient funds to close. Once again, rolling in costs so don't need to provide that. Had to reach out to processor to adjust both issues. Went through processing and UW very quickly as I had sent them everything they needed quickly. Moved onto closing, what a mess. First closing disclosure (CD) was correct so we set up signing. Then as signing approached CD was changed and all of a sudden I needed to bring around $1,000 cash to close. Emailed and messaged closer to correct. No correspondence until after my signing. I was left messaging my notary during the day saying we might not actually be signing because the docs were wrong. So had to cancel 1st signing. For the next week we played try to correct the CD. I found out, yes in fact they made a mistake on the CD. What followed was around 8 different CDs. Good luck trying to keep up with all of those and the changes and which one is most recent, because their system is poorly set up to track that. It took a week to finally get it corrected and set up new signing. When the notary came, there were 2 different CDs again including an incorrect one. Finally got everything taken care of and the loan funded. They transferred it to The Money Source (TMS) to service. Had an awful customer experience with them, where their VP of Customer Experience had to get involved and told me that their customer care team had sent me the wrong information. Now my loan servicing is being transferred on the day my 1st payment is due on a holiday weekend, so we'll see how that goes. Hopefully as it moves further away from Better.com my experience will get better. Update on the servicing being transferred: Why in the world would Better.com think it is a good idea to transfer servicing on the day the 1st payment is due!?!? I'm 11 days into the month now and have not been able to make my payment, I've tried online and over the phone and it will not work. Who thought it would be a good idea to have this be the timing of the service transfer? I can not stress enough how much I do not recommend working with Better.com. I've had mortgages with Wells Fargo and US Bank in the past and never had this much trouble. I am now subtracting the 1 extra star I gave for rates and speed due to the servicing fiasco.