Better Home & Finance Holding Company (Better.com)

Better Home & Finance Holding Company is an American financial technology company that provides mortgage origination and related services through an online platform. Founded in February 2014 by Vishal Garg, the company's mission is to make homeownership cheaper, faster, and easier for all Americans by digitizing and automating the home finance process. Its headquarters are located in New York City, US.

The company offers a comprehensive suite of homeownership products and services, including purchase mortgages, refinance mortgages, home equity lines of credit, and closed-end second-lien loans. Additionally, it provides related services such as title insurance, home insurance, and real estate agent services. Better Home & Finance leverages its proprietary AI platform, Tinman®, to streamline the loan process, enabling customers to receive rate options in seconds and obtain pre-approvals quickly. It also utilizes Betsy™, a voice-based AI loan assistant, to enhance its digital offerings.

Better Home & Finance became a publicly traded company on Nasdaq in August 2023 following a business combination with Aurora Acquisition Corp.. Vishal Garg serves as the CEO and Founder, with Harit Talwar as the Chairman of the Board. In March 2026, the company launched an integration with OpenAI's ChatGPT Enterprise and appointed former Fannie Mae CEO Hugh Frater to its board. Recent notable developments include a collaboration with Coinbase for token-backed mortgage products and plans to divest Birmingham Bank. However, the company faced a significant stock price drop in May 2026 due to borrower hesitation in a higher-rate environment, leading to securities fraud investigations.