I have better. com offering me 3% with ~800dollar credit vs another at the same rate, no credit but it's a loan officer recommended by my realtor who has actually been very helpful. I have heard service at better tends to lack after rates lock. Any firsthand experience?

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Imo, service at every lender will lack to some degree after rate lock/signed letter of intent. I just went with an online lender (Ally) as it’s really easy to track everything on the online dashboard + the greater amount of credits provided towards my closing, since they run more lean to traditional brick and mortar lenders

Better was almost late on mine. They sold the loan before I even closed. Personally, I wouldn’t use it.

Deals change everyday. Did you get them both on the same day?

Use their agent to get some money back too

Used Better to refinance twice and everything went smoothly. Can’t comment on using them when buying a home though (I know things are more time sensitive when buying)

Used better for a refinance, was super smooth and they were always responsive.

Definitely go with a local lender. For time sensitive stuff the online brokers could screw you.

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