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Looking for your first home, buying another property, or refinancing your mortgage? You’re in the right place. We’ve got the tools to help you reach your financial goals faster.

Complete your home loan application online in as little as 3 minutes. With Bank of Montreal, getting a mortgage has never been easier.

Bank of Montreal

title@better.com

Bank of Montreal, ISAOA ATIMA
P.O. Box 2828
Daytona Beach, FL32120-2828

Title Team

I authorize {{$config.brand.communicationsSender}} to verify my credit. I've also read and agreed to {{$config.brand.communicationsSender}}'s <a href="{{$config.brand.tou}}" target="_blank" rel="noopener noreferrer">Terms of Use</a>, <a href="{{$config.brand.privacyPolicy}}" target="_blank" rel="noopener noreferrer">Privacy Policy</a>{{#if $config.brand.epayDisclosureConsentConfig.enabled}}, <a href="{{$config.brand.epayDisclosureConsentConfig.link}}" target="_blank" rel="noopener noreferrer">{{$config.brand.epayDisclosureConsentConfig.text}}</a>{{/if}}, and <a href="{{$config.brand.electronicDeliveryConsent}}" target="_blank" rel="noopener noreferrer">Consent to Receive Electronic Loan Documents</a>, and consent to a credit inquiry and income verification.

I, the mortgage broker for the consumers applying for this mortgage loan, affirm that I have obtained the consumer's express consent to conduct a soft credit inquiry for the purpose of mortgage prequalification, rate analysis, or other preliminary financing discussions. This soft credit inquiry is used solely to assess creditworthiness and will not impact the consumer's credit score.

I authorize {{$config.brand.communicationsSender}} to verify my credit. I've also read and agreed to {{$config.brand.communicationsSender}}'s <a href="{{$config.brand.tou}}" target="_blank" rel="noopener noreferrer">Terms of Use</a>, <a href="{{$config.brand.privacyPolicy}}" target="_blank" rel="noopener noreferrer">Privacy Policy</a>{{#if $config.brand.epayDisclosureConsentConfig.enabled}}, <a href="{{$config.brand.epayDisclosureConsentConfig.link}}" target="_blank" rel="noopener noreferrer">{{$config.brand.epayDisclosureConsentConfig.text}}</a>{{/if}}, and <a href="{{$config.brand.electronicDeliveryConsent}}" target="_blank" rel="noopener noreferrer">Consent to Receive Electronic Loan Documents</a>, and consent to a credit inquiry and income verification. I've also read and acknowledged the <a href="https://media.better.com/pdfs/initial-heloc-disclosures.pdf" target="_blank" rel="noopener noreferrer">Initial HELOC Disclosure</a> and <a href="https://media.better.com/pdfs/what-you-should-know-about-heloc_booklet.pdf" target="_blank" rel="noopener noreferrer">What You Should Know About HELOC</a> informational brochure.

I{{#if $loan.coborrowerFirstName}}, {{$loan.coborrowerFirstName}}{{#if $loan.coborrowerLastName}} {{$loan.coborrowerLastName}}{{/if}},{{/if}} authorize {{$config.brand.communicationsSender}} to verify my credit. I've also read and agreed to {{$config.brand.communicationsSender}}'s <a href="{{$config.brand.tou}}" target="_blank" rel="noopener noreferrer">Terms of Use</a>, <a href="{{$config.brand.privacyPolicy}}" target="_blank" rel="noopener noreferrer">Privacy Policy</a>{{#if $config.brand.epayDisclosureConsentConfig.enabled}}, <a href="{{$config.brand.epayDisclosureConsentConfig.link}}" target="_blank" rel="noopener noreferrer">{{$config.brand.epayDisclosureConsentConfig.text}}</a>{{/if}}, and <a href="{{$config.brand.electronicDeliveryConsent}}" target="_blank" rel="noopener noreferrer">Consent to Receive Electronic Loan Documents</a>, and consent to a credit inquiry and income verification.

I{{#if $loan.coborrowerFirstName}}, {{$loan.coborrowerFirstName}}{{#if $loan.coborrowerLastName}} {{$loan.coborrowerLastName}}{{/if}},{{/if}} authorize {{$config.brand.communicationsSender}} to verify my credit. I've also read and agreed to {{$config.brand.communicationsSender}}'s <a href="{{$config.brand.tou}}" target="_blank" rel="noopener noreferrer">Terms of Use</a>, <a href="{{$config.brand.privacyPolicy}}" target="_blank" rel="noopener noreferrer">Privacy Policy</a>{{#if $config.brand.epayDisclosureConsentConfig.enabled}}, <a href="{{$config.brand.epayDisclosureConsentConfig.link}}" target="_blank" rel="noopener noreferrer">{{$config.brand.epayDisclosureConsentConfig.text}}</a>{{/if}}, and <a href="{{$config.brand.electronicDeliveryConsent}}" target="_blank" rel="noopener noreferrer">Consent to Receive Electronic Loan Documents</a>, and consent to a credit inquiry and income verification. I've also read and acknowledged the <a href="https://media.better.com/pdfs/initial-heloc-disclosures.pdf" target="_blank" rel="noopener noreferrer">Initial HELOC Disclosure</a> and <a href="https://media.better.com/pdfs/what-you-should-know-about-heloc_booklet.pdf" target="_blank" rel="noopener noreferrer">What You Should Know About HELOC</a> informational brochure.

I{{#if $loan.coborrowerFirstName}}, {{$loan.coborrowerFirstName}}{{#if $loan.coborrowerLastName}} {{$loan.coborrowerLastName}}{{/if}},{{/if}} authorize {{$config.brand.communicationsSender}} to verify my credit and to look up ownership of my current loan. I've also read and agreed to {{$config.brand.communicationsSender}}'s <a href="{{$config.brand.tou}}" target="_blank" rel="noopener noreferrer">Terms of Use</a>, <a href="{{$config.brand.privacyPolicy}}" target="_blank" rel="noopener noreferrer">Privacy Policy</a>{{#if $config.brand.epayDisclosureConsentConfig.enabled}}, <a href="{{$config.brand.epayDisclosureConsentConfig.link}}" target="_blank" rel="noopener noreferrer">{{$config.brand.epayDisclosureConsentConfig.text}}</a>{{/if}}, and <a href="{{$config.brand.electronicDeliveryConsent}}" target="_blank" rel="noopener noreferrer">Consent to Receive Electronic Loan Documents</a>, and consent to a credit inquiry and income verification.

By clicking the "Next" button above, I agree to {{$config.brand.shortName}}'s <a href="{{$config.brand.privacyPolicy}}" target="_blank" rel="noopener noreferrer">Privacy Policy</a> and <a href="{{$config.brand.tou}}" target="_blank" rel="noopener noreferrer">Terms of Use</a>. I understand that I am providing my prior express written consent for {{$config.brand.shortName}} to deliver calls or text messages to my phone number provided above, or any other number {{$config.brand.shortName}} may find for me, including for marketing purposes and using an automated telephone dialing system, even if my telephone number is currently listed on a federal, state, internal, or corporate Do-Not-Call list. I understand that my consent is not required to make a purchase.

By entering their phone number you're authorizing {{#if $config.brand.brokerShortName}}{{$config.brand.brokerShortName}} and/or {{$config.brand.shortName}}{{else}}{{$config.brand.shortName}}{{/if}} to use this number to call, text and send them messages by any method. We won't charge them for any contact but their service provider could.

Why we're Better

This is what you told us about your finances and property on your application — we’re here to help if you need to make any changes.



Home lending products offered by Bank of Montreal. Bank of Montreal is a direct lender. NMLS #330511. P.O. Box 2828 Daytona Beach, FL 32120. Loans made or arranged pursuant to a California Finance Lenders Law License. Not available in all states. Equal Housing Lender. NMLS Consumer Access

As a first step to lock a rate, we need to get a full credit report from all three bureaus for you (this is a requirement for Fannie Mae, Freddie Mac, and other investors).

Business Wire, “Better Breaks Through in Online Purchase Mortgages…

Better Mortgage doesn't believe in charging additional costs like lender fees and loan officer commissions

CFPB, CFPB Finds Percentage of Borrowers with $20K in Student Debt Doubled Over Last Decade

Doing a cash-out refinance may save you money on your student debt. Chat with one of our Loan Consultants to learn more.

We're one of the only lenders that will generate a Loan Estimate automatically without conducting a hard credit pull.

We've canceled your loan application

Re: Thank you for your rate-lock request

This loan is underway!

You're getting this message because you created an application on Better.com.

These include fees that are controlled by the lender, such as the origination fee which is $0 unless you decide to buy a lower rate, as well as 3rd party services that you can shop for but are required for funding your loan.

If Better retains the servicing of your loan, automatic payments will be turned on.