Better Mortgage
Best for RatesBetter
4.4
6.30%–7.50% APR$100,000–$3,000,000Min credit: 620+
APR Range
6.30%–7.50%
Loan Amount
$100,000–$3,000,000
Term
180–360 mo
Origination Fee
—
Our take
No origination fees and a strong rate lock make Better a serious contender for cost-conscious buyers.
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Full details
| Minimum loan amount | $100,000 |
| Maximum loan amount | $3,000,000 |
| Lowest APR | 6.30% |
| Highest APR | 7.50% |
| Shortest term | 180 months |
| Longest term | 360 months |
| Minimum credit score | 620+ |
| Funding speed | 21-30 days |
Frequently asked questions
What is the APR range for Better Mortgage?
Better Mortgage offers APR from 6.30% to 7.50%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with Better Mortgage?
Loan amounts range from $100,000 to $3,000,000. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for Better Mortgage?
A minimum credit score of 620 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
How fast can I get funded with Better Mortgage?
Better Mortgage typically funds loans within 21-30 days. Actual funding time may vary based on verification requirements and your bank.
Is Better Mortgage worth it?
No origination fees and a strong rate lock make Better a serious contender for cost-conscious buyers.
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Verified Mar 2026
Better Mortgage