Better Home & Finance Holding Company , a leader in AI-native home finance, unveiled its Wholesale HELOC and CES Platform powered by Tinman AI. This new platform allows mortgage brokers to offer both Home Equity Lines of Credit (HELOC) and Closed-End Second (CES) loans through a single, streamlined application process. Originators can quickly price variable and fixed-rate loans ranging from $50,000 to $500,000, giving them more flexibility and efficiency.
Better.com has already originated over $1 billion in HELOCs and CES liens directly to consumers, and more than $110 billion in mortgages through its retail and private-label partnerships. With hundreds of billions in mortgage originations already flowing through broker channels nationwide, Better’s goal is to bring the same scale, pricing flexibility, and product variety to the HELOC and CES market for mortgage brokers.
The Wholesale Platform opens doors for a wider range of originators, helping consumers tap into home equity for improvements, debt consolidation, or everyday expenses, often with lower monthly payments. Brokers can offer competitive, no-fee pricing, discounted rates with paid points, and unique bank statement approval options for small business owners—all in one digital workflow without switching lenders.
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“Better’s Wholesale HELOC & CES Platform delivers low rates, zero origination fees, and supports more challenging customer files thanks to Tinman AI,” said Patrick Kandianis, Head of Business Development at Better. “It’s not just a basic red light/green light loan process it’s an AI-driven system that knows when to involve a human to ensure customers get the best experience. Brokers of all sizes nationwide can now complete fast, digital pre-applications in minutes.”
Through the platform, originators can share a simple link with clients to set up an online account, lock a rate, complete an application, and even close One Day HELOCs in as little as five days. Customers interact seamlessly with Better’s mortgage processors and underwriters, who provide support throughout the entire process.
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“We’re thrilled to bring Better’s Wholesale HELOCs & CES to our clients,” said Trent Ford, CEO of Saxton Mortgage. “The combination of Tinman AI and an actual underwrite makes this a highly effective and comprehensive solution.”
Vishal Garg, CEO and Founder of Better, added, “The launch of our Wholesale HELOC and CES Platform marks a major milestone for our mortgage business. In 2024 alone, U.S. lenders originated an estimated $201 billion in HELOCs but only a small fraction used an AI-powered wholesale channel. Our technology brings transparency and automation to the mortgage ecosystem, and this move into wholesale is the next step in our mission to make home financing better for every consumer.”
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Better.com is starting strong with 10 new broker partners, who have collectively originated hundreds of millions in mortgages for other lenders. With higher approval rates and AI-powered underwriting, Better aims to grow this home equity product line even further.
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