Secure Better Rates, Empower Your Homeownership Journey Today!
Experience exceptional, tailored mortgage solutions with Better Rate Mortgage. Achieve your property dreams faster and smarter. Explore unbeatable rates today!
Explore Our Tailored Mortgage Solutions Today
Explore tailored mortgage solutions to fit your unique homebuying and refinancing needs. Expert advice, competitive rates—our focus is your financial success.
Expert advice
Explore tailored mortgage solutions designed for your financial success.
Comprehensive Home Purchase Financing
Better Rate Mortgage is here to make the home loan process faster and easier. Our specialized online tools and extensive knowledge take the stress and guesswork out of buying a home. Learn about the differences between loan programs and get help choosing the best fit for you.
Flexible Refinancing Solutions
Better Rate Mortgage can help you refinance your existing home loan without all the stress and hassle. If you’re ready to save money, shorten your loan, improve your financial future, or just get some much-needed cash, we can show you a better path to refinancing.
Investment Property Financing
Expert financing advice for property investment, aiming to ensure profitability through competitive rates and minimized costs, tailored specifically for each investment scenario.
Mortgage Consultation and Planning
Expert guidance through the mortgage process, from understanding options to strategic planning for long-term financial success.
MEET THE Loan Officer
Hey, James!
Loan Officer | NMLS# 2058298
In 2004 in Petoskey Michigan, I began my career in Real Estate. Helping people navigate one of the biggest transactions of their life wasn’t just work, it quickly became a personal point of pride. After relocating to Brighton Michigan along with my wife and our 2 children, I began to realize a gap in the market on the financial end of the Real Estate world. Deciding to make the transition from Realtor to my current career as a Mortgage Broker has been the best decision of my life. Being a Mortgage Broker, allows me to interact with far more people throughout the day allowing me to help many more people and families realize their dream of owning a home. Whether your refinancing or buying a home for the short term or the dream home you’ll have forever, you deserve a Broker that cares about you as a person and not just a number. My goal every time is to do such a good job for my clients that they trust me to take care of the people dearest to them, their friends and family.
Over 17 years of Mortgage Experience!
Assisted over 1,000+ Families!
Top 1% Loan Officer for over 5 years straight!
Testimonials
FAQs
You’ve got questions — and we’ve got answers!
Explore our Frequently Asked Questions for answers to the most-asked questions we receive about mortgage loans and refinancing.
Who is Better Rate Mortgage?
Better Rate Mortgage is a premier residential wholesale broker and direct lender dedicated to providing the best mortgage experience with expert advice. As lending professionals with years of experience, we got tired of seeing so many well-qualified borrowers be shut out of the market by a process that was unnecessarily complicated. So when we decided to take our expertise and match it with the latest in online tools and automation, we wanted to finally deliver a mortgage process that didn’t leave qualified candidates scrambling to get to the finish line. The result is an easy-to-use digital platform that can get your mortgage needs handled faster with fewer expenses, allowing us to offer the lowest rates and fees in the industry.Our ProcessStep 1 Conversation is to connect with one of our loan advisor so they can learn about your situation and main goals. We know the right questions to ask so we wont waste your time. Our team will talk to you through the different options available and arrive at the program and product that best fits your financial goals.Step 2 Application & Upload Documents you will then fill out an online application where the goal is to gather as much information as possible to review your financial situation and assess your credit-worthiness. Once you complete your application you will be able to upload all your income documents onto the digital portal securely.Step 3 Disclosures & Appraisal Once you have selected your loan program, you’ll receive an email from our team with a link to eSign all of your disclosures and order your appraisal (if needed).Step 4 Underwriting we have the fastest initial underwriting review in the nation. An underwriter reviews your loan within 2 business days which gives you a major advantage in a crowded market and bypass an industry full of stressful and slow lenders.Step 5 Approval & Loan Closing Once we get the appraisal and the lender signs off on your loan, we are ready for closing. Most of our customers prefer to sign & close their loan at their home after normal work hours which means you don’t have to take off work and close at a random office.
Why work with Better Rate Mortgage?
We put our customer at the center of everything we do. Creating the best mortgage experience with unmatched service and expert advice to help find the perfect mortgage with complete transparency is our mission.
What Kind of Loans can I get with Better Rate Mortgage?
Better Rate Mortgage recommends loans you may be eligible for based on the information you provide. The loan options include:
Conventional Loans
VA Loans (including Interest Rate Reduction Refinance Loans)
Jumbo Loans
FHA loans (including FHA Streamlines)
USDA
What can I use for my down payment?
Most of our borrowers use money from their checking and savings accounts. Gifts from family members, money borrowed from IRA/401k accounts and equity from a current home you are selling is also allowed.
Why would I refinance?
Your rate is higher than the current market rate for the same program
You are looking to shorten your term to pay off your house more quickly
You want to cash out some equity to do home improvements, pay off debt or student loans
Get out of paying mortgage insurance
Combine a first and second mortgage into one mortgage
What States are you able to lend in?
Better Rate Mortgage is licensed in CA, CO, FL, MI, NE, OH.States Coming Soon: TX, TN, NC, ID
If you live or plan to live in one of these states, we would love to talk to you and see how we can help.
How much money do I need to buy a home?
Contrary to popular belief, you can get a home with as little as $0 down on a VA loan or 3% down for a conventional mortgage. While 20% down will give you the lowest rate, our Loan Down Payment program offers you the ability to buy a home with much less and still get a great rate.
Should I Buy or Rent?
We get asked that all of the time. Every borrower’s situation is different but we suggest looking at what you pay in rent and determining if you could own a home for the same amount or less. With rent prices on the rise, many of our clients are surprised they can buy a home with little money down and still have a lower payment than what they pay in rent.
What is included in my mortgage payment?
A mortgage payment is comprised of several parts: Principal and interest, real estate taxes, homeowners insurance and possibly mortgage insurance.
Is the refinance process that different than buying a new home?
Not really. You’ll need most of the same documents and you’ll likely need to get an appraisal as well. While they are less deadline sensitive than a purchase our goal is still to get it closed as quickly as possible.
Contact Us
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Licensed In: CA, CO, FL, ID, MI, MO, NE, OH, OR, TN, TX, UT | NMLS #1852295
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