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!

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!

Please enter zip code

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!

Please enter zip code

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!

Please enter zip code

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.
Excellent
5.0
Based on 306 reviews
This was my first time purchasing a home so this process was all very new to me. Eli was recommended to me by a mutual as being highly knowledgeable in his field and indeed, my expectations were exceeded. He was very thorough explaining every step of the process of my loan while also being extremely patient with the several questions I had along the way, especially certain terminology I was trying to understand. I’m very grateful to Eli and his team for making this such a smooth process from start to finish!
My husband and I recently worked with Eli on our refinance, and he is hands-down the best loan adviser we’ve ever worked with. He made the whole process incredibly easy. I was so impressed by how thorough he was - he literally broke down every line of our estimate so there were no surprises. He was always just a phone call or text away whenever I had questions. Highly recommend!
We had an amazing experience working with Andros and his team. They were extremely helpful, knowledgeable, and always available to answer our questions. The home-buying process can be stressful, but they made everything smooth and easy. We are so grateful for all their hard work and support. Highly recommend!
Working with Eli was great!We actually had another loan officer we were working with that was a referral to us originally, not only did Eli beat their rate, he saved us significantly on our closing costs!His communication was great, he always kept us updated with everything, and he cleared our loan in just 5 days. I cannot recommend him enough and am excited to refinance with him in the future!
Elias Bayan was such a great person/lender to help us with buying our first home together. We felt we could call or text him at any time with our questions or if we needed him to clarify anything. He helped make this big purchase a very smooth transaction and also made us feel like family. We look forward to doing more business with him in the future when the interest rates go down.
We had a great experience working with Andros Sevilla while buying our first home. As first-time buyers, we had many questions, and Andros was always patient, knowledgeable, and responsive. He explained the process clearly, kept everything on track, and made the entire experience smooth. We truly appreciated his professionalism and dedication. Highly recommend Andros to anyone looking to buy a home.
Alex was phenomenal at his job! From start to finish he closed our loan in three weeks without any glitches. The whole process was easy. Alex was professional and very good at his job. We strongly recommend him for any mortgage needs!
I recently used Better Rate Mortgage for our loan and I couldn’t be happier. They were so efficient and helpful. They made me feel confident at all times and answered all my questions. I highly recommend them to anyone that needs their help.
Working with Angelica as my loan officer was an outstanding experience. She guided me through the entire HELOC process with professionalism, patience, and genuine care. Angelica made everything easy to understand and was always available to answer my questions.Thanks to her expertise, I was able to secure the financing I needed and invest confidently in my own business. I’m truly grateful for her support and dedication.If you’re looking for a knowledgeable, reliable, and supportive loan officer, I highly recommend Angelica!
I had an outstanding experience working with my loan person Pea Leano on my HELOC! From start to finish, the process was smooth, transparent, and stress-free. She was incredibly knowledgeable, responsive, and took the time to explain every step in a way that made me feel confident and informed. What could have been an overwhelming process felt easy thanks to her guidance and professionalism. I truly appreciate the dedication and care she showed, and I wouldn’t hesitate to recommend her to anyone considering a HELOC or refinancing.
Our family’s experience with Andros was truly wonderful. He communicated with us consistently throughout the entire process and always took the time to answer our questions—whether by phone, text, or email. We highly recommend Andros; being bilingual, he explained everything clearly and made sure we fully understood each step. We never felt pressured or rushed at any point. We appreciate him so much. Thank you, Andros, for making our home-buying experience such a positive one.
Andros is an awesome lender. He is very skilled and knowledgeable in everything he does. I recently closed with Andros and am very thankful for him. Highly recommended for refinances, investments or just for classic buying needs. Thank you andros for your hard work
I had an exceptional experience with Andros Sevilla. They were professional, knowledgeable, and incredibly responsive throughout the entire process. They took the time to explain every detail, ensuring I felt confident and informed with each step. Their dedication to finding the best rates and terms for me was evident, and they made what could have been a stressful process smooth and straightforward. I highly recommend their services to anyone looking for a reliable and trustworthy lender.
It’s been a few years that I’ve been searching for a home. Suffering with anxiety from my previous Lender, I gave up Hope. My good friend referred me to Andros. Andros has been very transparent and efficient every step of the way. He kept me updated and reassured me that I will be getting my dream home. In a matter of weeks my dream home and my keys. I am still living in denial. Having a permanent home for my child is all a parent could ask for. Thank you again for making dreams come true and I will forever pray for your blessing thanks for changing lives. #homesweethome
I 1000% recommend this lender group to help you handle a loan! I personally worked with Eli Bayan, who was very helpful and knowledgeable. Every step of the process Eli kept me in the loop of the status of my home loan, and within a week, he made it possible to close on my home loan! The communication and his customer service were outstanding. Trust that he will get you through the milestone you are aiming for!
I had a great experience working with Eli Bayan. He was incredibly helpful, patient, and knowledgeable throughout the entire process. He took the time to answer all my questions and made everything feel much less stressful. I truly appreciate his guidance and would definitely recommend him to anyone looking for a loan officer.
Alex Burham has been my trusted loan officer since I purchased my first home in 2016, and I wouldn’t consider working with anyone else. To this day, he continues to provide clear, thoughtful answers to all my questions—whether they’re about my mortgage or the latest market trends. Alex consistently goes above and beyond to find solutions to any challenges, always putting his clients’ best interests first. I’ve recommended him to countless family members and friends, and they all say the same thing: working with Alex is a fantastic experience.
Alex Burham is the best loan mortgage agent you could work with. Not only he has top notch skills in his field but he is also a great resource for any type of questions you might have during the process of buying a home. You will feel that he has your back and you will rest assured that the process will go smooth. He was attentive, answered all my calls and text messages, and went above and beyond to help me resolve a difficult and traumatic experience I had with another lender. Alex is one of the best in the industry, and I am so thankful that he is part of my network. You won’t be disappointed.
We are extremely grateful to Andros. As first time home buyers we were in unfamiliar territory but Andros was extremely knowledgeable and helped us understand every part of the process. We could not have asked for a better experience with our first home purchase. Andros tackled every challenge head on and always found a solution! He worked his magic! He was kind, patient, reassuring, and understanding and we highly recommend him! Thank you Andros! You will always be remembered as having a big role in our home buying journey!
Alex Burham is the best loan mortgage agent you could work with. Not only he has to notch skills in his field but he is also a great resource for any type of questions you might have during the process of buying a home. You will feel that he has your back and you will rest assured that the process will go smooth. He was attentive, answered all my calls and text messages, and went above and beyond to help me resolve a difficult and traumatic experience I had with another lender. Alex is one of the best in the industry, and I am so thankful that he is part of my network. You won’t be disappointed.
Great experience working with Eli from Better Rate Mortgage. He was able to guide my clients throughout their home purchase. I would highly recommend using Eli and Better Rate Mortgage. He has great knowledge and experience with loans. He’s able to answer any questions and runs different scenarios to see what makes the most sense for buyers!
We had a great experience working with Angelica. From start to finish, she was always available and quick to act whenever we had questions or needed something. She made the entire process feel easy. Also making us feel comfortable enough to trust her in this process as first time homebuyers!! :)
I cannot recommend Eli highly enough! As a first-time homebuyer, the process of securing a mortgage initially felt stressful and overwhelming, but Eli made the entire experience smooth, fast, and absolutely seamless. From our very first conversation, it was clear how knowledgeable he is about the mortgage industry. He took the time to walk me through every step, answered all my questions in detail, and made sure I felt confident throughout the process.What really stood out was how responsive Eli was—no matter the time or day, he was always available and quick to provide updates or guidance. His professionalism, efficiency, and dedication made what could have been a stressful experience incredibly easy and even enjoyable.Thanks to Eli’s expertise and support, I was able to close on my first home faster than I expected. I’m so grateful for his help and would absolutely recommend him to anyone looking to buy a home—especially first-time buyers!
I just used Better Rate Mortgage to purchase my home. Let me tell you Eli was the most knowledgeable person I have ever worked with for a loan. He walked me through the entire process. Eli was very responsive and made sure I got the best rate available. Definitely would recommend him to all my friends and family going forward!
Working with Eli was an absolute pleasure. From day one, he was incredibly knowledgeable, patient, and genuinely supportive. As first-time buyers, we had a lot of questions and uncertainties, but Eli took the time to explain everything clearly and made sure we felt confident every step of the way.What really stood out was how approachable he was — by the end of the process, Eli didn’t just feel like our mortgage guy, he felt like a friend. He always made himself available and kept things moving smoothly.If you’re looking for someone who will truly have your back through one of the biggest decisions of your life, Elias is that person. We couldn’t recommend him more!
Andros and his team were great to work with! Super patient and were always available to answer and questions or concerns we had. Andros stayed on top of it and got things done in a timely manner. We had a great experience.
Where do I begin!? These guys are truly amazing! I never thought in a million years that I could be a home owner! Andros and his team worked tirelessly to make the impossible actually possible! They assured and reassured me countless times and made my first experience buying easy! They worked hands on with every obstacle and helped get in the home! I couldn't have been more appreciative of their service!
Working with Andros was an absolute pleasure. He was incredibly knowledgeable, always available to answer questions, and made the entire mortgage process seamless for my client. As a realtor, having a lender like him on the team made my job so much easier. His professionalism and commitment were top-notch. Highly recommend!
We had an incredible experience working with Angelica. From start to finish, she was always available, responsive, and quick to act whenever we had questions or needed something. She made the entire process feel easy, even though we were navigating everything for the first time. Her patience and calm approach gave us a lot of confidence, and we never felt overwhelmed.What truly stood out was her dedication—even while she was traveling, she never missed a beat and made sure we had everything we needed. Angelica is the perfect balance of professional and personable, and we’re so grateful for her support. Highly recommend her to anyone looking for a knowledgeable and reliable loan officer!
I just had the pleasure of working with Ava Rahim Representing a Buyer, client of mine. With lots of challenges and minimal time to get the loan processed and funded, she stepped up to the plate, she delivered as promised, she kept her cool and professional professionalism. Better Rate Mortgage is lucky to have Ava professional professionalism. their team. I was blown away on how quickly she was able to deliver. Looking forward to working with you again Ava!
Amazing experience working with Eli Bayan at Better Rate. His communication throughout the process was amazing. I never had to follow up and was always kept up to date. He made the entire transaction as painless as possible. I’ve worked with a few other mortgage companies and officers in the past- Eli is head and shoulders above all of them. I highly recommend using him for any of your home purchasing or refinancing deals. I look forward to being a return customer because of my experience! Thank you Eli!
I worked with Eli to secure my home loan and I could not have asked for a better person. He was not only incredibly kind and informative, keeping me updated each step of the process and explaining things in a way I could understand, but went above and beyond to ensure that the loan worked best for me. I genuinely appreciate everything he did for me!
Got it! Here’s a revised 5-star review from the perspective of the buyer's agent:⭐️⭐️⭐️⭐️⭐️I had the pleasure of working with “Andros Sevilla” as the loan officer for my client, and I can't recommend him highly enough! Andros demonstrated exceptional professionalism and expertise throughout the process. He was always available to answer questions and provided clear guidance, making the experience seamless for my buyer. His dedication to securing the best loan options truly made a difference. If you're looking for a reliable and supportive loan officer, Andros is the one to call!
Eli, worked relentlessly to get me my loan. He never gave up even when there was many setbacks. Eli is funny, hard-working, and always available to talk even after all was said and done. He still answers all my questions. Eli, wish you all the best and looking forward to your call when it’s time to refinance. Hopefully that soon. I recommend Eli as you’re Loan Officer. He will go above and beyond for you as he did for me. I appreciate you!
It’s always a pleasure working with Eli through buying a house and refinancing. He goes above and beyond in helping us with our house loan. He makes the process smooth and always making sure we get the best mortgage plan. He’s always professional, informative and helps us understand the process especially for first time buyers. Looking forward working with Eli again in the future.
Andros Sevilla was the best. He has a lot of patience and helped us a lot in the process of buying our 1st home. He is very knowledgeable and always was available for any questions we had. Would highly recommend!
I had the pleasure of working Alex Burhan, he was very knowledgeable , helpful and always answered my calls or text to explain things. We closed within 9 days of our first contact, and helped us get the lowest rate out of everyone. I highly recommend using Alex and his company.
Alex at Better Rate Mortgage assisted me in purchasing my first home and I couldn’t be more thankful for his Patience, professionalism and dedication. He made the process stress-free and efficient. I would highly recommend them to my friends/family and anyone else looking for home loans. Thank you Alex for making one of my dreams come true.
Exceptional Service from EliWorking with Eli on financing my first home purchase was a fantastic experience from start to finish. He is knowledgeable, responsive, and truly went above and beyond to ensure I got the best loan option available.Throughout the process, Eli kept me informed, patiently answered all my questions, and made what can often be a stressful process feel seamless. His attention to detail and commitment to finding the best solution for my needs were evident every step of the way.Thanks to his hard work, I was able to secure financing quickly and move into my new home with peace of mind. I highly recommend Eli to anyone looking for a top-tier mortgage broker!
I had the pleasure of working with Eli to secure financing for my home purchase, and I couldn’t be more grateful for his expertise and dedication. From the very beginning, he guided me through the entire process with professionalism, patience, and clear communication. He took the time to understand my financial situation and found the best loan options tailored to my needs. He was always available to answer my questions, explain complex terms, and ensure I felt confident on each step . His efficiency and attention to detail made the process smooth and easy. Thanks to him I was able to secure a great mortgage and move into my new home without any unexpected hurdles. I highly recommend him to anyone looking for a knowledgeable and trustworthy mortgage broker!
Eli was amazing working with us as first time homebuyers. He was knowledgeable and knew had to answer all of our questions. We experienced nothing but patience and kindness from him while he kept us up to speed on what was expected or required from our to do list. We gave him our timeline and he more than exceeded the process with closing in 2 weeks. Best lender and highly recommended.
We bought our 2nd home and Andros helped us through the process of getting the loan. He was efficient and worked many hours with us to make it happen and get us the best deal he could. We would highly recommended him to all of our family and you should also hire him for your next home loan!
WOW!!! What a great experience we have had with both Andros and Alex Sevilla. Their communication, honesty, integrity, and willingness allowed us to purchase our property with ease. They made our buying experience so wonderful. I highly recommend. Thank you both so much!! ⭐️⭐️⭐️⭐️⭐️
Andros Sevilla is very efficient and communicative. Always available whether it’s thru text, email or a phone call. Gave us a higher pre approval than other lenders. I would recommend him to anyone that is looking to purchase a home! I am very grateful! Gracias Andros!
Andros Sevilla is an exceptional lender! I've had the pleasure of closing multiple deals with Andros, and I'm consistently impressed by his expertise and professionalism. He has a deep understanding of the lending process, making every transaction smooth and stress-free for my clients. If you're looking for a lender who is reliable, knowledgeable, and truly cares about his clients, I highly recommend working with Andros!
Liz did a great job in assisting my clients with a TIN loan. Liz made the loan process very easy and in less than 21 days.Liz is very knowledgeable at what she doe's.I would recommend Liz to all of my future clients.I give Liz 💯 percent satisfaction on our transaction.The buyer’s are very satisfied with all of her work and the way she explained the loan process to make it an easy process.
This is our first time buying a home and our experience with Andros Sevilla was awesome! He made everything so easy for us. I felt the communication was excellent he made us feel comfortable and always had time for any question or concerns. Everything was fast and smooth. I will most definitely recommend him to my family and friends! Thank you Andros for your time and your excellent service! You helped us make our dream of being home owners come true!
I had the pleasure of working with Eli Bayan when purchasing my first home. Eli was incredibly helpful and took his time to coach me through the process. He truly went above and beyond to secure the deal. I'd recommend him to everyone if I could!
Andros was absolutely wonderful, so glad we decided to go with Better Rate Mortgage. He took the time to thoroughly explain any question we had in detail before we decided to move forward with a deal or anything. He was extremely accommodating and always made himself available on short notice when necessary. We couldn’t be happier with our new home, and we thank you for making it possible!! Gracias por todo!
My husband and I had the pleasure of working with Elias Bayan. He was very professional and answered any questions we had or did not understand. This was our first time ever going through the loan process and I’m very happy that I got to work with him because he made this process so easy. Thank you again for all your help and will be definitely referring everyone I know to him since he provides phenomenal service.
My family and I are deeply grateful for the outstanding service we received from Better Rate Mortgage. As first-time homebuyers, the process was initially daunting, but Liz and Socorro provided personalized attention and kindness that surpassed our expectations. With their help we were able to find the perfect home in such a short period of time. They accompanied us through the whole process and answered all of our concerns from begging to end. 100% recommended!
Great company if you’re looking to buy a house. They did an amazing job and kept me updated with everything that was being done! Very simple as well, stress free and was able to find an amazing home. Special thank you Liz Aguilar for helping us out and making sure we got a home we loved and were satisfied with, and better rate mortgage for helping my family and I find an amazing home!! Definitely recommend them if you’re looking to buy a home, they really help and make sure your put in your dream home !
I had the pleasure of working with Eli and his team on a few recent transactions, and I must say, their service exceeded all expectations!From the initial consultation to the final approval, Eli, and his team always demonstrate professionalism, expertise, and a genuine commitment to helping my clients secure the best possible loan. It’s refreshing to work with a Loan Officer who provides my clients with the same unwavering service they’d expect from me.I was traveling internationally during a transaction once, and received the highest praise from the Seller’s agent. She expressed how impressed she was with Eli’s communication and for that reason, she hardly felt my absence. Eli is an exceptional Loan Officer — A true asset to my business!
I had an exceptional experience working with my Elizabeth Aguilar, who not only exuded confidence in navigating complex deals but also consistently delivered outstanding customer service. Her dedication and expertise instilled a high level of confidence in me throughout the process. She went above and beyond to find creative solutions, ensuring the successful closure of the deal for my clients. The seamless communication and attention to detail not only impressed me but also left a positive impact on my clients. Without a doubt, I will continue to collaborate with her for all my future deals. A true professional, she has become an invaluable asset to my real estate ventures. 🙂
Working with Andros was a great experience. He was always available to answer questions. He walked us through the home buying process and made us feel at ease when we were not sure.Thank you for being apart of the team and helping up purchase our first home.
Better Rate Mortgage has the best customer service. I was on verge of losing my hope of buying a house but then Eli came into picture and gave a good loan option which made me buy the house . Thanks Eli for making this happen. Will recommend my friends to him in the future.
Cody and his team are the most communicative and helpful I have ever dealt with in my many dealings with Mortgage Companies!! It was a smooth and stress free operation until the very end with no last minute issues. They had my information and used it to help me purchase my forever home and we were even able to close Escrow earlier than originally planned!! I am planning several future purchases and will continue to use Better Rate Mortgage for each of them!!
js_loader
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