Skip to main content

Buy a Home

It’s time for a
better mortgage

It’s time for Better Rate Mortgage. Ready to go?


Better mortgages start with Better Rate Mortgage.

Of course, there’s more to a mortgage than a better rate. But when it comes right down to it, you can’t do better than Better Rate Mortgage.


Lower rates.

Rates change all the time, but we know our lower costs can get you a better rate.


Fewer fees.

Apply now with no upfront appraisal or credit report fees.


Stronger offers.

Ready to make an offer? Get preapproved and you’ll be backed by our $5,000 guarantee.


Friendlier service.

When you call us, you’ll talk to a real person who knows your loan inside and out.


Faster closing.

Need to close quicky? Let us know, and we can move faster than the big guys.


Fewer hassles.

It really is easier to work with us. From preapproval through close, we’re there with you.

Where are you in the homebuying process?

Computer with rate


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

Working with someone else?

That’s OK. But we don’t want to you leave money on the table. With a little information, and no hit on your credit, we can make sure you’re getting the best mortgage rate.

Person on laptop writing on paper

What type of loan do you need?

Not sure? The information on this page can help. Our loan experts are also ready to help you find the loan that fits you. Call our team at 314-361-9979, and we’ll talk you through it.

Conventional loans are a good fit for most people with good credit. You’ll get some of the best rates on the market, and if you’re putting down less than 20%, your mortgage insurance will be less expensive.

Keep in mind that if you’re a veteran or buying a multifamily dwelling, there may be better options.

Conventional FTHB loans come with more flexible credit score guidelines than other loans. Plus, you can buy a home for just 3% down. If you’re buying a multifamily dwelling, you can put 5% down, freeing up cash for future real estate investments if that’s your thing.

Conventional FTHB loans do have some income requirements—call us for details.

Contrary to popular belief, FHA loans are not restricted to first-time home buyers. You can purchase a single-family home or even a two-, three- or four-family home with one low down payment. Contact us for specific requirements about this popular loan.

We’d love to talk to you about this tremendous opportunity. Remember—if you’re a veteran, you can use a VA loan more than once. We’ve even worked with some buyers who have two VA loans at the same time.

This isn’t about steak—it’s all about the sizzle. Of course, the maps for eligible rural areas change all the time. Check to see if your property or region is eligible for USDA loans here.

Guidelines change often and may depend on your down payment percentage. Don’t worry—we can help you sort out the details, no matter what happens.

You’ve seen the headlines, but here’s the truth: Reverse mortgages can be a good fit for some people. Talk to us, and we’ll help you find the best solution.

Your mortgage made easy.

Let’s get moving.

The door’s open, and we’re ready to help you
with a better mortgage experience.

or call us at 314-361-9979

Couple writing on paper

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