[victorquinn]

We are disrupting the housing market! https://better.com/

We don't charge any mortgage broker commission (eww, it's gross) we'll give you transparency into the mortgage process so you can configure loans to your hearts content to optimize for what you want on your own terms.

We also have a fleet of real estate Agents that can help you find your new home and currently we'll cut 1% of the purchase price off of your eventual mortgage at closing if you use one of our Agents https://better.com/realestate

You're in SF so I don't think we're live there yet with our cash offer program, but in case anyone else see this from other markets, we can make you a cash buyer https://welcome.better.com/cash-offer/

We are actively working to make the homeownership journey less painful and there's a lot more we'll do in the future but as is we're one of the main disruptors in the space

Happy to answer any questions since I do work for Better!

[roland35]

I used better for my first refinance, super easy to work with! I did have to use a different lender for a second refi since there seems to be a 6-month cooldown period (rates kept going down...)

My only recommendation for buyers is to do some cross-shopping, since it is pretty easy to compare different loan options. Lenderfi is good alternative. I have heard most lenders can generally match each other. Your credit will only take 1 hit when shopping for different mortgage lenders, at least for a certain time window.

You can shop around for various services (helpfully listed on the loan estimate as You can shop for..), but the most you can save is a few hundred $ there.

Lastly, you can ask to have no escrow for insurance and property tax! As long as you have discipline to pay the tax bill and home insurance once a year this makes it a lot easier, especially when you sell or refinance, since you don't have to wait weeks for the escrow to pay you back.

[duped]

Late to this post but I think it's important.

Better gave be the best loan terms I could find, however no seller would accept an offer with Better as the lender. I was told outright my offers were rejected because they did not recognize Better. After switching to a local loan agent associated with Guaranteed Rate my first offer was accepted.

The cash offer service is interesting but ultimately I think it disrupts in the wrong direction. The issue on the buying side is information asymmetry, not access to money.

[johnthescott]

dood, i grok your chutzpah.