Better Mortgage · Lender
Better Mortgage
Review published mortgage options and requirements, then request a personalized quote from the lender.
Availability: The lender publishes licensing in the 50 states and District of Columbia and says loans are unavailable in Puerto Rico or outside the United States. Products are not available in all states; confirm availability for the selected program. The token-backed program is limited to select jurisdictions and requires a designated application path. Coinbase promotional credit is not available for applications submitted directly through Better.com. The official Get pre-approved destination returned a CloudFront request-blocked error during browser verification on 25 October 2026; destination functionality could not be confirmed.
At a glance
- Credit requirement
- 680
Still to confirm: Borrower type, Property use, Reserves.
Our take: Pros & Cons
What we like
- Better publishes conventional fixed-rate and adjustable-rate loans, jumbo, FHA purchase and VA options.
- The mortgage process is online, with account access to track progress and lock a rate.
- Published One Day Mortgage promotion terms include permanent residents and certain non-permanent residents, subject to the offer’s visa, documentation and underwriting conditions.
What to consider
- Minimum scores and down payments vary by program. The rate page’s 760 score, 20% down payment and DTI below 35% are pricing assumptions, not universal eligibility requirements.
- General mortgage-specific ITIN, foreign-credit, no-credit-history and foreign-income acceptance are unconfirmed. Limited residency terms from promotions do not apply to every program.
- The FHA eligibility FAQ limits loans to 30-year purchases of primary residences, while the refinance page displays an FHA example; confirm current availability before relying on FHA refinance pricing.
AI-generated lender-level assessment based on published information. Not a verified assessment of Token-Backed Mortgage Program; confirm program-specific conditions below.
Additional lender considerations
- Qualified VA borrowers may obtain no-down-payment financing without private mortgage insurance.
- Adjustable-rate interest rates and payments may change after the initial fixed period.
- The token-backed program involves a separate down-payment loan, a second property lien and restricted custody of pledged assets. Default can lead to liquidation and loss of pledged assets.
- Advertised rates and costs are conditional, may change, and do not guarantee approval. Request a written Loan Estimate.
Newcomer requirements
Token-Backed Mortgage Program
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Minimum credit score
- 680
- State restrictions
- The Program may be available only in select states and jurisdictions and is subject to applicable law.
- Property restrictions
- Any Fannie Mae eligible property type, such as single family home, condo, townhouse are eligible for this program.
View full lender requirements
- Minimum credit score
- 680
- State restrictions
- The Program may be available only in select states and jurisdictions and is subject to applicable law.
- Property restrictions
- Any Fannie Mae eligible property type, such as single family home, condo, townhouse are eligible for this program.
- Other conditions
- 2. Eligibility Requirements To be eligible for the Program, customers must: Have a minimum FICO score of 680 and meet all Fannie Mae conforming loan eligibility requirements; Create and access a Better Mortgage account via the dedicated URL ; Transfer a sufficient amount of Eligible Tokens (as determined by Better Mortgage in its sole discretion) to Better Mortgage’s custodial account. Complete a mortgage application for a property located in an eligible jurisdiction; Meet all underwriting, income, asset, and property requirements; and Successfully close on the Token-Backed Mortgage Loan. Better reserves the right to determine, in its sole discretion, which digital assets qualify as Eligible Tokens and applicable collateral valuation methods. 3. Collateral Valuation and Advance Rate Eligible Tokens will be valued at a discount to market value (the “Advance Rate”), which may vary based on: Asset type Market volatility Liquidity Other risk factors. Eligible Tokens are valued as: BTC at 40% of market value. USDC at 80% of market value Advance Rates are subject to change at any time without notice. 4. Downpayment Loan Terms The Downpayment Loan: Carries the same interest rate and repayment term as the Token-Backed Mortgage Is secured by pledged Eligible Tokens (the “Pledged Eligible Tokens”) and a second lien on the residential property. Better Mortgage may modify rates, terms, and structures at any time. 5. Restrictions on Pledged Eligible Tokens Upon closing: Pledged Eligible Tokens may not be sold, transferred, re-pledged, or otherwise encumbered without Better Mortgage’s prior written consent; Pledged Eligible Tokens are subject to custody arrangement; Customers may lose the ability to use the Pledged Eligible Tokens during the pledge period. If Pledged Eligible Tokens are converted, exchanged, or otherwise disposed of (with or without consent), Better may have rights to the resulting proceeds. 6. Default and Liquidation If you default on your Downpayment Loan: Better Mortgage may sell, liquidate, or otherwise dispose of Pledged Eligible Tokens; Better Mortgage may take control of such assets or accounts; You may lose all or a portion of your Pledged Eligible Tokens. You may incur significant financial loss, including loss of appreciation and adverse tax consequences. 9. No Guarantee of Benefits Statements such as “$0 cash down” or similar benefits are illustrative and may not apply in all circumstances. Actual outcomes depend on asset values, loan structure, tax treatment, and individual circumstances. 10. Program Availability The Program may be available only in select states and jurisdictions and is subject to applicable law. Marketing FAQ: At launch, Bitcoin will be accepted as collateral for the down payment loan. Other assets such as ETH and SOL may be added as eligible collateral types in the future. Confirm currently eligible assets with Better Mortgage because the program terms also list USDC advance rates.
Questions to confirm with the lender (13)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum down payment
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- Occupancy
Requirements last reviewed: Oct 25, 2026 · Official requirements source
Rates and costs
Token-Backed Mortgage Program
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
Token-Backed Mortgage Program
Document requirements are not confirmed. Ask the lender for its program-specific checklist.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Online purchase and refinance mortgages with conventional fixed and adjustable rates, jumbo, FHA purchase and VA options. Specialized token-backed and One Day Mortgage offers have separate eligibility and program conditions.
Legal lender: Better Mortgage Corporation
Lending channel: Direct lending
Provider type: Mortgage company
Lending channels: Direct lending. Origination status: Not stated.
NMLS identifier: 330511
Published service states: AL,AK,AZ,AR,CA,CO,CT,DE,DC,FL,GA,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO,MT,NE,NV,NH,NJ,NM,NY,NC,ND,OH,OK,OR,PA,RI,SC,SD,TN,TX,UT,VT,VA,WA,WV,WI,WY
More lender directory information
Parent: Better Home & Finance Holding Company. Former names: Not stated.
Direct application information ↗
The lender publishes licensing in the 50 states and District of Columbia and says loans are unavailable in Puerto Rico or outside the United States. Products are not available in all states; confirm availability for the selected program. The token-backed program is limited to select jurisdictions and requires a designated application path. Coinbase promotional credit is not available for applications submitted directly through Better.com. The official Get pre-approved destination returned a CloudFront request-blocked error during browser verification on 25 October 2026; destination functionality could not be confirmed.
Directory verified: 2026-10-25 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 25, 2026
- Official lender source · Last checked Oct 25, 2026
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.