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About Us

Why should you trust Better Rate Mortgage for your dream home?


276 Google Reviews

Saint Louis arch with American flag

Anyone can sell you a mortgage.

And many will try. But here in St. Louis, only Better Rate Mortgage opens the door to a truly better mortgage experience.

What is a “better mortgage experience”? Well, it’s one focused on helping you get into your dream home, not selling you a product.

That’s why Better Rate Mortgage is here. Our entire team has a long history in the mortgage business. But we were tired of doing it the old way.

We wanted to get back to helping people. That sounds cheesy, we know. But it’s true. And if you call us (we sincerely hope you do), you’ll feel it right away. That’s our promise to you.

Right at home in St. Louis.

We’re thrilled to call St. Louis home. And it’s not just the Arch and the Cardinals. It’s the people and the communities that make up this great region.

That’s why it gives us so much joy to help so many people across the St. Louis metro area open the doors to their dreams. And it’s why we’re committed to giving back, lending our time and talent to make our region stronger.

We hope you’ll join us in our belief that, together, we can all make St. Louis proud.

Busch Stadium

Meet the dreamers who make it happen.

Sean Zalmanoff

Founder and Chief Loan Officer

I love helping people and making friends! After 21 years in the industry, it was just time to do something different, to do something better. I was tired of seeing mortgage companies operate inefficiently and cost borrowers thousands of unnecessary dollars. That is why I founded Better Rate Mortgage. Let us open the door to more for you and see the difference. By the way, don’t just take my word for it, check out our reviews on Google too!

Megan Reel

Operations Manager and Loan Program Guru

From the moment you start your loan application to the closing table, I am your dependable guide. With my meticulous attention to detail, I will ensure that all the “i’s” are dotted, and “t’s” are crossed for your loan. It brings me immense joy to assist people in achieving their home ownership aspirations.

Deborah Fenton

Office Manager and Processor

My role involves guaranteeing that we acquire all the essential documents to facilitate the closure of your loan. Additionally, I lend a hand with the development of marketing materials, and I enjoy providing support to our team as a go-to person in the office.

Emily Dilthey

Management Assistant

As a versatile team member, I assist with a range of day-to-day tasks, including the creation of marketing materials, accounting and assisting the chief loan officer. I wear multiple hats for the team and enjoy being a behind the scenes go-to person.

Laura Hocking

Loan Officer

I come from a background in Banking, and as someone who has undergone the process of purchasing four homes and refinancing at a young age it was a natural step into Mortgages. Born and raised in Saint Louis, I am currently residing in Lincoln County; I love spending my free time outdoors with my family and two sweet pups. I put an emphasis on being there for my clients every step of the way; from purchasing their first house to refinancing their homes. I am dedicated to helping people get the most out of their homes, whether it be renovations, paying off debt, starting a family, and everything in between. Let me know how I can assist you!

Kassidy Davis

Loan Partner

After my enlistment in the US Army, I became licensed in real estate where I helped multiple buyers and bought a few homes of my own. Shortly after, I realized my calling was on the mortgage side of the industry, so I made the switch. I enjoy helping borrowers achieve their dreams in homeownership and have made it my mission to take advantage of my diverse background, so the process is comfortable and seamless for every borrower. 

Our pledge to you.

Here’s what makes us different.


A commitment to lead.

You’ve never worked with a mortgage broker like us. Our tight-knit team combines the latest technology and with the best service to create a faster, easier mortgage experience


A promise to serve.

We know the mortgage process inside and out, and we use that knowledge to open the door to your home ownership dreams.


A chance to grow.

We’re always looking beyond today, setting you up with the vision and knowledge to achieve today’s goals—and tomorrow’s.


An invitation to dream.

Helping make your dreams come true is our dream, too. We pledge to bring a smile to every phone call, every email—and pledge to help you leave with one, too.

Our customers say the nicest things.

We couldn’t have said it better ourselves.


276 Google Reviews

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
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
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
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
Derek Jackson is my go to loan officer. He gets the job done each time!
Maurice “Da Juggernaut” Lyles
Maurice “Da Juggernaut” Lyles
Derek Jackson was easy to work with and made the process fast and understandable.
Stephaine Maurice Lyles
Stephaine Maurice Lyles
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
Did a awesome job with our loan they made things very simple!!
Beth Johnson
Beth Johnson
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
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