Better

better? think again. requesting a heloc on an investment property limits my options and i recognize that. HOWEVER, it should not subject me to deceptive business practices. AT NO POINT IN TIME during application, processing, or closing, was a 90-day "freeze" period mentioned to me. but i'm here to warn my fellow heloc applicants that IF you pay back your initial draw (forced to take the entire heloc amount after closing)...don't expect to be able to access those funds again within 90 days. this actually makes no sense since better could be earning interest on funds i want to access/use but instead are delivering a horrible experience and can't even include this stipulation transparently in the 75+ page closing packet, on their website, in the loan agreement, or ANYWHERE. unfortunately for my servicer (shellpoint mtg), they got to hear an earful from me while i wasted over an hour of my time trying to figure out what on god's green earth was going on.

TLDR: AVOID. go to a broker. go to a credit union. go anywhere but here! i will never use again (which is unfortunate for you, better, as a person with multiple properties, you could've had a valuable customer. YOUR loss!)

via Google

This was the single worst lending experience I have ever had. This company should not be in business;

1) Their communication is great for about 1/week then it goes down hill fast.

2) Their ai system that checks documents in their portal is HIGHLY flawed and had to resubmit documents with the requested info multiple times before it would stop kicking them back to me.

3) After a couple weeks you go from Loan Consultant to a Coordinator and communication drops off a cliff. If I hadn’t forced through every task and followed up almost daily I would have had no chance on closing on time.

4) I had multiple instances of discrepancies on documentation needing to be addressed and either emails blatantly not responded to or followed up 3-4 days later when in the final 10/days of closing.

5) The last and most ridiculous reason to never use them, is they tried to get me to sign documents for a higher amount AFTER CLOSING! You read that right, I was notified by my title company after everything was signed and they had reconciled documents with Better.com that there was a discrepancy for $2k+. I suddenly received a notice in my Better portal there were documents that needed to be signed ASAP but we had already signed our paper work two days early and the seller had already signed his earlier in the day. I checked and the closing costs and subsequent APR were different than the hard copies we already had completed. Hoping for a Lender Cure based on TRID zero-tolerance rules, but what an absolute mess of an experience! AVIOD AT ALL COSTS!!!!

via Google

Had a great experience on the refinance of our home. We worked with Nikki who made the entire process so easy! She was very communicative with the step by step instructions. Any questions we had she always replied back promptly with answers. It was an absolute pleasure working with her and of course we are thrilled with the new rate we received saving us $700/mo. We highly recommend Better Mortgage and specifically Nikki! Thank you for being awesome!

via Google

I love Better.com for my mortgage needs. This is the third time I’ve worked with Better.com, and they have consistently offered very competitive rates compared to other lenders. I’ve worked with Justin No on multiple occasions, and he is an extremely knowledgeable loan consultant. He is patient and thorough in explaining the process and guiding me through every step. He was always available whenever I had questions. I would be happy to work with him again for my future mortgage financing needs and would definitely recommend Justin No.

via Google

At first I was super happy about this company. They linked up with Credit Karma and it looked like I could get a really good rate, the buy down was relatively inexpensive and I could wrap it all back into the loan. I spoke with someone who confirmed and then I paid a $500 dollar “rate lock” fee. Then it all went down hill. When it came down to it the numbers were not what was advertised. The loan officer was argumentative. The loan discloser figures never made sense. The original numbers which seemed amazing never appeared. The process and numbers just got worse and worse. At the end of a month, the numbers never added up, the refi didn’t go through and I didn’t get my $500 dollars back. As a consumer I feel cheated and lied to with no affirmative action as a company to correct the situation. I’m not a Karen who can’t be handled, I just need to understand and not feel cheated. I highly don’t recommend this company.

via Google