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Refinance Your Home

It’s time for a
better mortgage

There’s money in your current home loan—and Better Rate Mortgage can help you make the most of it.

Let’s talk refinance.

Our team is ready to help you find the right way to refinance to make your dreams come true.

Reduce your rate of term.

Have mortgage rates dropped since your last mortgage? Reduce your monthly payment—or reduce the time it will take to pay off your loan.

Consolidate debt.

Gain financial independence by using the equity in your home to help reduce your debt.

Improve your home—or buy another.

Dreaming of a new kitchen, bath, or basement remodel? Ready to finish your basement, or even buy that vacation home? The cash to do so may already be in your current home.

Dream big.

We open the door to a better mortgage experience for home buyers, sellers and realtors.

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.

Chances are, if you’ve owned your home for a while and have been making regular payments, this is the best loan for you. Heads up: you don’t have to be in a conventional loan now to refinance to one.

You may be able to acquire an FHA refinance loan with very little documentation. The streamlined process makes it easier than ever to get cash out of your home. However, keep in mind that if you’re currently in an FHA loan, you may be able to get a lower rate with a conventional refinance.

Unsure? Get in touch with us, and we’ll get the answer you need.

Refinancing has never been easier through VA IRRL loans. However, before you apply, let’s check and see if we can help you get an even better rate through a conventional refinance.

If you live in a rural area and have 12 months of on-time payments, we may be able to help you refinance with a USDA loan. Of course, maps for eligible areas change all the time. Check to see if your property or region is eligible for USDA loans here.

The guidelines and limits for conventional and jumbo mortgages changes often and can depend on how much equity you have in your home. Don’t worry—we can help you sort out the details.

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.

Get a FREE personalized report.

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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
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