One of the questions I get all the time is how I am able to consistently offer better mortgage rates than most other lenders. The answer is simple: I own the company, and I am also your loan officer. That combination gives me an advantage that most other loan officers simply cannot match.
When you work with Better Rate Mortgage, there are no layers of management adding unnecessary costs to your loan. There are no branch managers, no regional managers, and no corporate executives who need to get paid from every deal. It is just me and my small, dedicated team focused on you and your mortgage.
Cutting Out the Middlemen Means Cutting Costs
Most mortgage companies have multiple layers of people between you and the person actually working on your loan. Every one of those layers adds overhead that gets baked into the rate you receive. At Better Rate Mortgage, those layers do not exist. I run a lean business with a direct connection between the decision maker and the client. That efficiency translates into lower costs, and those savings go straight to you in the form of a better rate.
Ownership Means Control
Because I own the company, I make the decisions on how we operate and where we spend money. I choose to invest in technology, service, and efficiency instead of bloated management structures. I also own my building and my lot, which means I do not have massive rent or lease payments driving up my costs. All of this allows me to keep overhead low and pass those savings directly to you.
Experience You Can Trust
When you work with me, you are getting decades of mortgage experience combined with complete control over the process. There is no back and forth between departments and no waiting for approvals from people who have never spoken to you. It is fast, it is efficient, and it is built to get you the best rate available every single day.
The Bottom Line
Owning the company and being your loan officer means I have the ability to cut out the extra costs that weigh down most lenders. No branch managers, no regional managers, and no corporate executives taking a piece of every deal. Just one person dedicated to giving you a better mortgage experience and a better rate.
If you are ready to see the difference, let’s talk. I will show you exactly how we beat most other companies daily.
Sean Zalmanoff August 2025
