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A better rate is just the beginning.

Everyone in St. Louis promises a better mortgage rate—but what you really need to turn that perfect house into your dream home is a better mortgage. At Better Rate Mortgage, we open the door to so much more. Come on in, and we’ll show you how.

or call us at 314-361-9979

4.9

276 Google Reviews

“Wow!”

Woman holding baby with Google Reviews

“It was the smoothest loan process I have ever experienced.”

Where are you in the homebuying process?

Computer with rate

Researching

Wondering how much you can afford? Tell us a little, and we’ll tell you a lot.

House with magnifying glass

House Hunting

Armed with a preapproval from Better Rate Mortgage, your offers can open more doors, faster than ever.

Hand holding house

Ready to Buy

Let’s go! Our team is ready to make your mortgage process fast and easy.

or call us at 314-361-9979

A better mortgage process, from beginning to end.

Backed by
$5,000
guarantee.

1

Before you shop, get preapproved.

We’ll make it simple to set your budget—and then upload your documents. It’s all online and easy. Doing this ahead of time makes it faster once you find that perfect house.

2

Make a guaranteed offer.

Your preapproved offer is backed by our $5,000 guarantee—which makes sellers take notice.

4

Sign and celebrate.

Once your offer’s accepted, we’ll do the heavy lifting, and let you know what you need to do next.

4

Close, well, better.

Congratulations! We’ll do everything you need for a quick, comfortable closing process. You’ve reached the end of the adventure—or is it just the beginning?

Wait, what’s that about a $5,000 guarantee?

If you’re preapproved with our guarantee, we’ll back your offer to sellers with a guarantee. If financing falls through, we’ll pay them $5,000. It sweetens your offer, reassures them it’s solid and can put you ahead in this competitive market. How’s that for a better experience?

Meet the team that makes the magic happen.

Your home search is personal—so your mortgage should be, too. Get to know the real people behind Better Rate Mortgage.

or call us at 314-361-9979

Better Rate Team Cartoon

Our customers say the nicest things.

We couldn’t have said it better ourselves.

4.9

276 Google Reviews

Lanice
Lanice
2023-02-11
A huge thank you to Sean, Megan and the team at BRM for their attentiveness and quick responses! Your efficiency made a seemingly arduous process seamless and stress free. Your follow-up was impeccable, keeping me on task and setting my expectations throughout. My family and I thank you! Check them out STL!
Jen Harvey
Jen Harvey
2022-12-12
I highly recommend Better Rate Mortgage first and foremost. It was such a pleasure and seamless experience to work with Sean and team. After I unexpectedly decided to buy a home for the first time on basically a whim, he and his team came onboard and helped see this dream come true. As nervous as I was, I knew Sean was the right mortgage person, when he reminded me of the investment i’m making in myself. I always felt at ease. I am so thrilled to have worked with him and thankful he made a dream come true! Thank you Sean!
Christa Jackson
Christa Jackson
2022-11-30
I personally have worked with Sean as a lender for 10 years. He has gone above about beyond a lender/agent relationship. He is a mentor, a friend, an educator and family. Sean is the best of the best! He is an expert at his field but not only that he is an expert at building relationships with you, and most importantly your clients. He will keep everyone informed and excited throughout the process. He hands down has the best rates in the industry (I’m serious), he will quote you and you won’t believe him. It’s that awesome! If you want top tier knowledge, first class service, and a lender you can trust your clients with you have to chose Sean!
bill jackson
bill jackson
2022-11-29
Sean and his team was awesome to work with he has a great sense of humor and very business smart.... They helped me get the rate I needed to purchase the home I wanted I would recommend better rate mortgage to anyone. It was a pleasure to do business with them thank you for everything
Ms Friarson
Ms Friarson
2022-11-21
Derek Jackson is my go to loan officer. He gets the job done each time!
Maurice “Da Juggernaut” Lyles
Maurice “Da Juggernaut” Lyles
2022-10-25
Derek Jackson was easy to work with and made the process fast and understandable.
Stephaine Maurice Lyles
Stephaine Maurice Lyles
2022-10-25
Derek Jackson, was patience and very thorough from start to finish. In preparation of being first time homeowner, I appreciate his transparency, and wealth of knowledge. He was always available and willing to talk us through the journey and he is so down-to-earth.
Eric Crumer
Eric Crumer
2022-08-10
Did a awesome job with our loan they made things very simple!!
Beth Johnson
Beth Johnson
2022-07-26
We had a great experience with USA Mortgage. We were able to get the loan we needed to allow us to buy now and sell later. Derek was great to work with and encouraging throughout the process.
Ryan Linder
Ryan Linder
2022-07-18
3rd time around with these guys and gals. There's a reason I keep coming back. Competitive rates, simple application process and technology solutions, transparent communication, and most importantly, excellent service. Derek Jackson has gone above and beyond for us on three occasions, and when it comes time for our next move, I know who I'll be calling. Thanks, Derek and team.

Get Started Today

Whether you’re purchasing your first home or taking cash out to make your dream home even dreamier, the door is open. Welcome to Better Rate Mortgage.

Apply Now
Couple laughing and holding keys to new home