Find the Perfect Loan for you

Your needs are unique, just like you. Choose which route to take
and tailor a loan that fits your life and budget. Our simplified
process makes it fast and easy, and you get assistance from real people. Plus, your personalized quote is FREE!

Buy a Home Refinance

why better?

Simple Online Application

Apply From Where It’s Convenient for You

The right time and place are different for everyone. Submit your mortgage application during your lunch break, from your couch, or in your pajamas. No appointment required!

Apply now

Quick Closings

Close in Weeks — Not Months

We offer some of the fastest, quick-to-close mortgages in the industry for those looking to close as quickly as possible. Often, in under 2 weeks — why wait months? Get started today!

Friendly Personalized Service

Over a Hundred 5 Star Reviews

We work hard to make your experience as pleasant and stress-free as possible. Our commitment to customer service is highlighted in over one hundred 5-star reviews!

While the big lenders waste time and inflate rates, our personalized lending services offer fast loans at the best rates available.

Your time and money matter

Buying or refinancing a home shouldn’t be a stressful experience. At Better Rate Mortgage, we show you a better way to get the best loan that meets your needs, at the best rate, and with personal assistance along the way. Start by getting a FREE rate quote now.

Get a FREE Personalized Rate Quote Now!

Use our free tools

Get your Free Pre-Approval Letter

Enter your zip code to receive your FREE, customized Pre-Approval Letter! Let sellers know you are ready to buy!

Get Your FREE Refinance Analysis

Enter your zip code to receive your FREE, customized Refinance Analysis! We make refinancing easy with the best rates available!

Free Rate Quote

Enter your zip code to receive a FREE, current listing of mortgage rates for your area! We offer the best rates available in your area!

Get a Rate Quote in

Just 30 Seconds!

Mortgage rates change daily according to different factors.
Get your FREE customized quote here!

Get My Custom Rate Quote Now!

Expert advice

Confused? New to this process? We are here for you.
Click below to schedule a meeting with one of our loan officers.

Book a meeting

Latest Reviews

Better Rate Mortgage, Inc.

5.0

Based on 137 reviews

See all reviews Write a review

We purchased our first dream home with the guidance from Michelle Collier. She was so wonderful to work with. I was totally nervous and confused about the process but she was there 24/7 to answer any questions and walk us through step by step during this important milestone of our lives. She was so kind, understanding and patient. She even took the time while she was out of town with her family to make sure she was available to answer any questions we had! Thank you Michelle for your professional and friendly guidance helping us make our dream come true!

Dawn Elsarelli

15:09 22 Mar 23

Alex did a great job with our consolidation. He was attentive, thorough and most of all speedy with all applications of our process.Thanks Alex

Jaymes Mack

20:49 21 Mar 23

I’m so happy the way Andro, Iker and Alejandro help us through the process in buying our home. I recommend this group/company for future reference.

Roberto Andrade

04:05 21 Mar 23

I worked with Kevin Woods and my experience with him was seamless. If someone likes to know exactly what your options are, Kevin is your guy. He walked me through complex steps and made sure I understood them well before proceeding. Even though I’m ET, Kevin made time on his off-work hours to make sure my questions were answered. I would 100% recommend Kevin as your agent and Better Rate Mortgage as your lender.

Abhay Bajpai

14:57 09 Mar 23

Tim is very easy to work with from start to finish. Many delays and things were my fault, and I asked a lot of questions. Tim was patient enough to answer and was extremely focused on getting the Real Estate deal done. The best compliment I can give is that we WILL do business again.

Kae Dubbbs

20:14 07 Mar 23

It was a pleasure working with Ava. She was on top of everything and was very professional.She is a great lender and your definitely in great hands with her.

Terri Cicchetti

00:46 07 Mar 23

Jon Williamson knocked it out of the park!! Jon made this transaction so smooth.and worry free and such a great experience for my First Time Homebuyer. Jon was extremely professional and knowledgeable. I highly recommend you call Jon with any mortgage needs.

brent pfitzer

00:13 07 Mar 23

Michelle Collier was awesome during the loan process! From start to finish she was there around the clock for all of our questions. She utilized what we shared with her about our life to find the perfect loan for us!

Lauren Begley

19:11 06 Mar 23

Had a wonderful experience with Eli, who helped us along the way in buying our first home. He is well knowledgeable, transparent, and stays in constant communication. He provides us various options and ensures that we have the proper home loan to get us started. As a first home owner, we had a lot of questions. Eli is very patient with us and explained the loan process in a way we understood. Easy to work with and goes out of his way to make sure we have the best loan.

Mark Victoria

00:01 03 Mar 23

Eli helped my clients get an amazing deal with their home loan and really assisted me with keeping the escrow flowing as smoothly as possible. Highly recommend him for anyone looking for a professional lender anywhere in Sacramento, Placer, and El Dorado county!

simona dejeu

19:57 02 Mar 23

‹

›

Apply Online

You’re only a few simple steps away from the home of your dreams! Apply with Better Rate Mortgage for the best rates and personalized service in the industry.
Your rate quote is FREE!

APPLY NOW