Better Mortgage

Better Mortgage

 4.2/5 (381 reviews)
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About Better Mortgage

Better Mortgage (NMLS #330511) offers an online mortgage lending program in all 50 states. Borrowers can get preapproval from the company in as little as three minutes. The lender doesn’t charge lender fees or incentivize its officers with commissions, and it has a referral discount program for its customers.

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Pros

  • No lender fees or commissions
  • 100% online application
  • Matches competitor offers
  • On-time closing guarantee

Cons

  • No USDA loans
  • No construction loans

Bottom Line

Better specializes in a digital mortgage application process with no lender fees or commissions. You can see a personalized quote for a conventional, VA or FHA loan in seconds and get preapproved in just a few minutes. There is a 620 minimum credit score requirement for conventional mortgages.

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Rated with 5 stars
Verified

Better Mortgage came out on top with the rates which we could afford as well as discounts. They didn’t have any kind of origination fees. … The entire process was very smooth. The...

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Rated with 5 stars
Verified

The lending process at Better Mortgage was very well-organized and really perfect for my needs. The agent was very supportive. Whenever I had questions, she got back to me quickly...

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Rates

Better Mortgage publishes its starting mortgage rates for 15-year, 20-year and 30-year conventional loans on its website. For rates based on your individual situation, contact Better Mortgage for a customized quote.

Over the past few years, Better Mortgage’s rates for home purchases have trended slightly lower than the national average. Its average rate was 0.26% lower than the U.S. average in 2021; in 2020 it was 0.21% lower, and in 2019 it was 0.26% lower.

Disclosures from Better Mortgage indicate that its average rate for a 30-year fixed-rate mortgage in 2021 was 2.86%, which was 0.1% lower than the national average reported by Freddie Mac (2.96%). Remember to keep in mind the difference between interest rate and APR — APR takes into account additional costs and fees as well as the interest rate.

Better Mortgage average home purchase rate vs. national average

YearDifference from national average
2021-0.26%
2020-0.21%
2019-0.26%
Information pulled from public Home Mortgage Disclosure Act data. Rates reflect noncommercial home purchase loans only.

Better Mortgage offers both fixed-rate and adjustable-rate mortgages. Adjustable-rate mortgages are gaining in popularity in 2022 because of higher overall mortgage rates. When rates are higher, ARMs become more attractive because they start with a lower rate. When rates are low (as in 2021 and 2020), many borrowers tend to opt for fixed-rate mortgages so they can lock in a low rate for the life of the loan.

Better Mortgage offers a feature called “One Day Mortgage” that delivers a commitment letter to qualified customers within 24 hours of preapproval. This requires uploading financial information within four hours of a rate lock.

Application process

You can complete Better Mortgage’s application 100% online. You can start the preapproval process by answering a few short questions and allowing the lender to conduct a soft credit check (which won’t impact your credit score).

Be prepared to provide information about your income and assets — Better Mortgage uses these details to determine how much you can borrow. You also need to upload financial documentation (like W-2s and bank statements).

Once the lender has all the necessary documents, you could receive a preapproval letter in as few as three minutes. Better Mortgage uses online tools to match you with available mortgage loan options.

Better Mortgage initially services the loans it originates, but it may sell your loan to an investor in the secondary mortgage market at some point — which means another company would own and service your loan moving forward. The loan terms, like interest rate and term length, won’t change with the new servicer.

Better Mortgage application features table

FeaturesAvailability
Online application
Mobile document upload
Physical branchesX
Publishes minimum rate on website
Rate lock30 to 75 days
Pre-qualification (no hard credit pull)
Certified approval letter

Loan types

Better Mortgage offers a variety of mortgage products online, including conventional loans, jumbo loans, FHA loans and VA loans. You can also refinance your existing home loan with Better Mortgage, whether you’re aiming to cash out or get a lower interest rate.

Demand for home purchase loans from Better Mortgage grew significantly in 2021, with 52,363 total home purchase loan applications (versus 15,667 in 2020 and 8,803 in 2019). Of those, 21,967 (about 42%) were approved and closed in 2021, and only 3,441 (6.6%) applications were denied.

Loan applications for home purchases only by year

202120202019
Home purchase applications52,36315,6678,803
Home purchase loans closed21,9676,4743,771
Home purchase applications denied3,4412,689917
Home purchase preapprovals denied000
Information pulled from public Home Mortgage Disclosure Act data. Includes conventional, USDA, VA and FHA mortgages.

Refinancing

Most home loans Better Mortgage financed in 2021 were refinances (66.78%) and cash-out refinances (15.13%), while less than 20% were purchase loans (17.59%). Because rates were so low in 2020 and 2021, this wasn’t uncommon in the industry — many borrowers took advantage of the low rates and took on new terms for their mortgage loans over the past couple of years.

When you refinance (or buy) through Better Mortgage, it comes with the “Better Buying Guarantee,” which promises to cover the costs of refinancing if rates drop in the following three years. The guarantee pays for up to $3,500 in lender title policy fees, appraisal fees, flood certification fees and credit report fees.

Home purchase vs. refinance loans by year

202120202019
Home purchase loans17.59%11.42%33.19%
Refinance loans66.78%88.29%66.58%
Cash-out refinance15.13%0.08%0%
Information pulled from public Home Mortgage Disclosure Act Data. Includes conventional, USDA, VA and FHA mortgages.

Requirements

Both conventional and government-backed loans have their own sets of borrower requirements. Typically, conventional loans require a higher credit score than government-backed mortgages, but not always.

Better Mortgage has a minimum credit score requirement of 580 for FHA and VA loans and a minimum credit score of 620 for conventional loans, which is in line with the industry norm.

National mortgage requirements by type

Min. credit scoreMin. down paymentCompare with other lenders
ConventionalTypically 620Typically 3%Mortgage lenders
FHA5003.5% with 580 credit scoreFHA lenders
VASet by lender (often 580)0%VA lenders

Better Mortgage currently doesn’t offer USDA loans. For more information on this type of loan, read our guide on USDA-approved lenders.

Cost and fees

Better Mortgage doesn’t charge any lender fees — there is no application fee, origination fee, processing fee or underwriting fee. Keep in mind you may still owe certain upfront costs when buying a home or refinancing a home loan, such as a down payment, third-party fees (e.g., appraisal fee, title insurance) or an escrow deposit for insurance and taxes.

Better Mortgage also offers a “Better Price Guarantee,” promising to match a competitor’s offer and credit $100 toward closing costs. You could also save an additional $2,000 in closing costs when you use both Better Mortgage and a Better Real Estate agent to buy your home.

FAQ

How does Better Mortgage work?

The initial application process takes place online. You start by selecting a goal (buy, refinance or sell), and you can obtain preapproval for a loan in as few as three minutes. This shows you the total amount you can borrow and what your monthly payments will be. In the case of a refinance, you can also see how much the new loan can save you.

Is Better Mortgage legit?

Better Mortgage is a reputable lender. If you have solid borrower qualifications and want to streamline the mortgage application process, you’ll likely benefit from Better’s online loan-matching and approval system.

While it can’t offer closing services online, Better backs up its digital experience with personalized customer support to guide you through the process. It doesn’t charge lender fees, and its loan officers don’t depend on commissions — so they have less incentive to oversell you.

Where is Better Mortgage available?

Better Mortgage loans are available in all 50 states and Washington, D.C. It's headquartered in New York, with three additional office locations in the U.S., but there aren't any in-person branch locations as of publishing.

Better Mortgage Reviews

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Page 1 Reviews 0 - 5
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Sept. 13, 2022

I have recommended Better Mortgage to every single one of our nine children. It is awesome. I was assigned to a loan team, and then they let me know the team members’ names. When you call Better, your name comes up on the computer screen and the person who will answer the phone will try and address an issue. If they are not able to address the issue, they ask you to hold, then they reach out to the team leaders. If Tony is unable to take the call, then Colton will answer. If Colton’s unable to answer, the other guy will answer. If they are not able to answer, within 10 minutes, I have a callback and they have addressed the issue. It's impressive. We've done loans through Wells Fargo. We've done them through a little place out of campus. We've done loans through all kinds of places. We'll stick with Better.

The whole process took 23 days at the time. They'll have taskbars that come up. There were 45ish tasks there. As you go through and you're filling out all these different little items and gathering all your financial information, they're just confirming it online. Occasionally, the task will hang there for two to three days but because I have dealt with Wells Fargo, I'm like, “Hey, take all the time you want.” I do recognize that as a consumer, those tasks are sitting there because it's hard to find people to hire who can pass the background checks that the federal government requires to deal with my information. So, I'm okay with the tasks being there. It would be good if there was a way for them to be able to say, “Hey, this is a dedicated team, and even with our underwriters, here are your underwriters that are dedicated to your case, and they will respond within two days.”

If they just would inform the consumer that it may take three days for an answer on something, then that would eliminate a lot of people's anxiety for sure. Other than that, I'm always very satisfied with Better. They’re very honest. It's kind of interesting when you deal with them. When you put in the first initial application and you're approved, they suddenly draw up a list of, “Hey, here you go. Here are five to seven different lenders that it says will take your loan. Here’s what this one will do. Here's what your final closing costs are. Here’s what your interest rate is.” It's very straightforward.

Better Mortgage response

Hi Afton - thank you so much for your review! Your feedback on this experience helps us recognize the areas we excel and where we stand to improve our processes. Your insight here is extremely valuable. We would love the opportunity to work with you and your loved ones again in the future!

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: July 20, 2022

    Better's process was fairly seamless. Most of it was online base, which I appreciate because, that way, you get an email saying that you need to upload a document instead of constantly getting separate emails and separate phone calls from a loan officer. I felt that the user interface of it from the online portion of it was a much more preferable way to deal with it. Also, I'm getting a call from somebody at Better, but I'm not getting multiple calls from multiple service providers. I was in a situation where I was having to refinance unexpectedly because of some stuff going on on my end, but as far as what the terms that I got were relative to what was available at the market at the time, I was pleased.

    The online application went well for me. I had my documents in PDF form and if I occasionally had to scan something to get it into a PDF, that was not a problem. When it starts going through underwriting and I sometimes get multiple emails in a day going, "You have a new task. You have a new task. You have a new task," it is what it is. It's just better that it's online rather than somebody constantly calling you. My rep, Cody, was great. Whenever I needed anything, he always responded very quickly. He did do a very good job of telling me, "Okay, here's where you are now. Here's what's coming next. You're gonna get this. You're gonna get that." He was very good at prepping me for what was next in the process.

    The only thing is my cash to close changed about three times in the last couple of days. They're constantly getting new information. It flowed pretty well. My biggest complaint about the process was that while I did not get solicitations from other non-Better entities when I first reached out to the company, after I closed, I got inundated with mail asking me to purchase. I got multiple pieces of mail that said they weren't from Better, but they were given my name by Better. It was for things like insurance and other offers of ancillary products that, if I was interested in, I would have already gotten. I didn't really need 10 pieces of mail in my mailbox the week after I closed.

    Better Mortgage response

    Hi Jeffrey, thank you for your review. We are grateful to hear our online interface contributed to an overall seamless experience. Additionally, we will be sure to make Cody's management aware of your sentiments. Your feedback regarding the mailings you've received will be shared with our senior leadership for review. If there is anything else we can assist you with please do not hesitate to reach out! In the future, we would love to get the opportunity to work with you or your loved ones once again.

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: June 14, 2022

    At the beginning, it was good working with Better Mortgage. I did a refi with them a couple years ago for my old house, so I used them to buy a new house. It worked great for the most part but they had lost a lot of people so they started getting busy and it was hard to get ahold of someone. Then, whenever you call the main line, you couldn't get ahold of your loan advisor person. It was a little bit stressful for a while. Doing the refi again, I might not use them because it's easier to go to a local office and tell them to take care of it. I know way too much about mortgage stuff now, such as preparing documents because you have to do it all yourself. It tells you what to submit and if you don't mind doing it, it’s alright. But it's not like you can just go to the local office and tell them to take care of my documents for me and then it goes smoothly. It takes a lot more work on your end to do it.

    Whenever I spoke to someone, they were good. I used their online chat a lot and they usually get back so fast. The people were there 24 hours a day. Because of the employee squeeze they had though, the loan officers were running ragged, so sometimes, it was tough to tell them to email me and my agent and give us an update. It took a long time because if they had 20 mortgages closing this week, they don't care about mine that closes in three weeks. They're not even worried about it. But when it came down to the week of closing, because we were lining up six different transactions and one title company, three houses, purchases and sales, like a whole bunch of people buying and selling houses, in order to line them up on the same day, they were good.

    Better Mortgage did things faster than all the other mortgage companies. The loan advisor I had at the beginning, for some reason, left the company midway through and they had to shift, and then they lost a bunch of people. I was stressed out because of the random occurrences and I happened to leave right in the middle of my transaction. That's not anyone's fault.

    Better Mortgage could have done better, like honest appraisals and they shouldn't have gotten rid of so many people. The people I was talking to were swamped and it was an indication of their company probably releasing too many people. If they're super busy, you're not gonna get as many updates. When it's going well, they don't send out too many updates. Normally, you'll only hear if something goes wrong. So, some people are nervous about these big transactions. But there's nothing going on so they do not even email you. There's no reason to. Maybe they can implement a weekly update to make people relax a little bit.

    Better Mortgage response

    Hi Cory, thank you so much for your review. Your feedback on this experience is extremely valuable and will be shared with the team in order to take the proper next steps to improve our processes. We truly appreciate you pushing Better to be better. In the future, we would once again love the opportunity to help you or your loved ones meet your home financing goals!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: April 29, 2022

    I kind of went through Better Mortgage's application process twice. I had an offer on a house and we got almost to the end. Then the buyers wouldn't put something in writing about replacing the roof. I had to walk away from that sale, but in that very first application, I was super impressed. It was super easy. Better's systems work so there wasn't a lot that I had to send in. I was expecting to have to send in a lot more documentation but their software did everything. I just had to verify a few things. It was super helpful. I like the task aspect of things. The notifications were good.

    I'm still in the market again for a house. Then I had to redo a few things. This time, there was an extra. I had to take some kind of a course for home buying. So, that was a little bit different. I felt like that was a little bit weird because I had just gone through the process a couple of months before. But overall, I was very impressed by the application process and the ease of it.

    I worked with a couple of different sets of representatives. I had one set of people that I was working with through all the stuff in November. Then I started to work with some of them the second time around, but it felt like there were a lot more hands touching it the second time around right before I bought this house. Better was also going through some restructuring during that timeframe from what I could read in the media. It was a little bit weird on that end because then once I was done with all my loan documents and everything was set, I felt like there wasn't a good transition to my closing agents with Better. Because everything had been all documented and through email and very formal and suddenly, I started getting phone calls. I felt like the guy didn't introduce himself well. It even lists what your preferences are, and I felt like he wasn't abiding by that. I would get random phone calls from him.

    I had done all of my due diligence getting to closing and I felt like I didn't need anything. I don't understand why he was checking in on me so frequently. At the end, he was like, "It's my understanding that all the tasks are completed. There's nothing else for me-- unless you need something from me.” “I'm not sure why you're calling me so frequently. Like is everything okay? Do you need something else?” “Oh, no, I was just calling to see if you needed anything from us.” We were off by 10 cents. It was a very weird set of circumstances because I called since we were off 10 cents. That's what I was told. I got an email from the title company that said, "It's off 10 cents." Better had not sent in the updated disclosure.

    I was the first signing of the day. I was upset that when I called and I asked for the person, they were like, "Oh, he's out today." At the same time, my Realtor called and they were like, "Oh, he's not at his desk, but he's available." I didn't appreciate that and it was like a lot of back and forth. We were on the phone with Better for almost an hour and a half between the two of us to get that squared away. I was like, “My loan is already prefunded. I provided everything. We're literally sitting here waiting for Better to get this just squared away.” That was a super weird way to end the transaction because everything has been so flawless and seamless, and they had great communication but when it came to closing at that transition point, it was very awkward. I would still recommend Better. That last piece was just super weird. It did not match up at all to the level of customer service that I'd gotten all the way throughout in both transactions.

    Better Mortgage response

    Thank you so much for leaving your detailed feedback here Julissa. This is extremely valuable information that we can bring back to our teams for improvement. We are sorry to hear about the communication troubles with your advisor later in the process. That said, we are so glad you were able to meet your financial goals at the end of the day. We would love the opportunity to show you a better experience so please do not hesitate to reach back out in the future. We hope you have a wonderful year ahead!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: April 27, 2022

    Better Mortgage came out on top with the rates which we could afford as well as discounts. They didn’t have any kind of origination fees. So, that was beneficial for us to make a decision. There were two loan officers. One of them did the initial. Later on, the loan was transferred to an actual officer who oversaw it until disbursement. The entire process was very smooth. They kept me appraised with what step I’m on, as well as what documents are required. They kept emailing me. It was very easy to work with them. So much better than any other company which I was in contact with.

    I liked the rate table. When I tried to look for other places, if they provided a rate table, that was not the case. I was given just one flat out rate based on the amount of down payment I would make. And if I made more down payment, the rate was down. But how much down payment I had to make for me to accept the rate was not clear. So when Better Mortgage gave me that kind of table, as well as lowered the rate percentage, they had discounts, which was unheard of, that I liked. And that lowered our closing cost. So, that was very helpful. The rates were good, better than competitors in the entire market. So, it was a no-brainer.

    Better Mortgage's doing business is good, what they’re providing is good, as well as how they’re competing with other market vendors like Rocket Mortgage and all sorts who are also online. If they keep doing the same way, they’re gonna do good in this space. Because brick-and-mortar is very 2010. They need to improve on to online lenders, which don’t have these origination fees, which should not be paid by the consumer. Just because you have your business, it’s your fault to manage that kind of cost. You should not tack it on to consumer to pay for your salary.

    That’s the kind of thing which I don’t see in Better Mortgage, and that makes their cost very low. So, as long as they’re managing that, I like the process. They recently pushed our loan to the other bank, FirstBank, who will manage the loan amount and payments moving forward. That was very quick as well. The process was good, the people are nice. And the cost is affordable to get a house in this economy.

    Better Mortgage response

    Hello Shubham, thank you so much for providing such insightful feedback on your experience. Your thoughts will be shared with proper leadership for additional review as well. We are very grateful to know this experience has met your expectations and hope to get the opportunity to work with you or your loved ones again in the future!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 10, 2023

    I liked the portal for uploading documents. The automated emails were fine. I really appreciated how instead of a 30-day close, Better Mortgage ended up doing it for me for three weeks. It was super helpful because I was able to move in faster trying to get into my new place. We had contractors scheduled at our old place and it would have been a mess if we had to stay in there for another week. Better Mortgage made it happen to where I could close on a Friday morning, which got me funded and I could move in that weekend, which was way too fast. But I really needed to get in there pretty quick.

    The only thing was that when I called Better Mortgage and my contact was busy, then I didn't realize that it would go through a call center. I was confused. But they could easily get to a text. Better Mortgage also offered that if rates go down quite a bit within two years, I'll be able to put a substantial amount of closing cost for the refi. So I'll be doing that whenever rates comes down.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 9, 2023

    Better Mortgage has a better rate and there's an incentive through American Express for a $2,000 credit card credit. It was easy to upload documents to the website. They were also easy to get ahold of. I like that I was able to text one of them and she got back to me quickly through text.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 8, 2023

    The reps, Justin and Michael, were really good. In the beginning, it was Justin and he kept up with everything. He was very responsive. With Michael, I didn't speak to him as much, but it was because everything was online. There was also one day where the phone system wasn't working, so I couldn't get in touch with him. It was easier for me to upload everything quickly, but there were a couple of days where the portal would just randomly not work, then an hour later, it'd be fine. So I'm not sure if it was my internet or if it was what it was, because it wasn't a long period of time. Overall though, everything was easy. The rate and terms were great and the reps explained things very well. I have recommended Better Mortgage. Even my Realtor ended up getting her mother to go through them.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 7, 2023

    I had applied online through Better Mortgage's website for a preapproval, and somebody had reached out the next day and got me the full approval, so we could start looking at houses. The rest was history from there. I kept them updated with any offers I was interested in putting in. Then we finally did put an offer in. It got accepted, and we processed the loan from there. Almost all of our communication was done via the online portal or email, and that worked better for me because during normal business hours, I’m in a lot of mediums, so it's hard for me to communicate via phone. Through email, they were very responsive and things were done in a timely fashion.

    My Realtor wanted me to use a local place, specifically, one of the credit unions locally because it makes things a little bit cleaner and better communication generally. I gave those credit unions a chance, but three of them all told me the same thing that they couldn't even come close to being competitive in regards to the rate and closing costs that Better was offering me. So, that being said, I was pretty pleased knowing that I was getting a fair deal when others are telling me they couldn't match it. So, that was good. Overall, my experience was great. It was easy. We didn't really have any hiccups. It wasn't complicated. We closed on time. There's nothing I could ask for to be better.

    Better Mortgage was modernized. Having the portal was super cool and easy to use. There was a lot of transparency. In previous mortgages I've done, it was like pulling teeth to get them to give you rate information or closing cost breakdowns until you got to the point where it's almost too late to change your mind. Where on the online portal that Better has, you can change your rate, see what the loan fees are gonna change. They're very transparent along the entire process, which was new for me. So, I would tell my friends that it would be a very wise choice to go that route for transparency, simplicity, and savings.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 7, 2023

    I appreciated Better Mortgage's business model. Also, they were super responsive and explained things well. I understood the process more as it went along because either they would say something or after they would say something, the way the portal was set up with all the different resources and articles and videos. I did it on a whim to make sure that the offer I getting from another entity was truly as good as it could get, and Better Mortgage knocked my socks off. I was rewarded for being an organized consumer. I appreciated that.

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    ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. To learn more about the content on our site, visit our FAQ page. Specific sources for this article include:
    1. OriginationData, “Better Mortgage.” Accessed July 21, 2022.
    2. HMDA Dataset Filtering, “HMDA Dataset Filtering.” Accessed July 15, 2022.

    Better Mortgage Company Information

    Company Name:
    Better Mortgage
    Website:
    better.com