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ONE DAY MORTGAGE


TERMS AND CONDITIONS

 1. Better Mortgage Corporation (“Better Mortgage”) is offering qualified
    customers (“Customers”) who successfully provide the Required Documents (as
    defined below) within 4 hours of locking a rate (the “Required Tasks
    Completion Period”) for their mortgage loan (the “Mortgage Loan”), the
    eligibility to receive an underwriting determination on their Mortgage Loan
    application within 24 hours of locking a rate on their Mortgage Loan (the
    “Offer”). The underwriting determination is subject to customary terms,
    including fraud and anti-money laundering checks, that take place
    pre-closing and which may trigger additional required documentation from the
    Customer.

 2. In addition, Customers who successfully provide the Required Documents
    within the Required Tasks Completion Period will be given the opportunity to
    be randomly selected by Better Mortgage for one of the Concessions (as
    defined below) to be provided in the form of lender credits to be applied to
    reduce the closing costs of their Mortgage Loan (together, the “Discount”).

 3. The Offer.
    a. The Offer is limited to two (2) mortgage loan types: (i) conventional,
    conforming mortgage loans, and (ii) near-agency jumbo mortgage loans
    (conventional mortgage loans that exceed federal conforming limits, however,
    are underwritten in accordance with conforming guidelines).
    
    i. Conventional, Conforming Mortgage Loans
    
    1. To be eligible for the Offer for a conventional, conforming mortgage
       loan, Customers are required to provide the following documents to Better
       Mortgage via their online Customer portal within the Required Tasks
       Completion Period (collectively, the “Required Documents”):
       iii. Bank statements (including any applicable investment and retirement
       statements);
       a) Pay stubs;
       b) W2s;
       c) Bank statements (including any applicable investment and retirement
       statements);
       d) A copy of a complete purchase agreement for the subject property of
       their Mortgage Loan (the purchase agreement is not required to be signed
       by either the Customer or the seller at this point in time);
       e) If applicable, proof of disability awards, social security income,
       retirement earnings, or pension income statements;
       f) If applicable, proof of self-employment income derived from a sole
       proprietorship via a Schedule C (Form 1040) document;
       g) If applicable, proof of rental income derived from investment
       properties as evidenced by a Schedule E (Form 1040) document, or as
       evidenced by a lease agreement for investment properties in which the
       Customer has owned the property for less than one year;
       h) If applicable, proof of child support or alimony awards;
       i) If applicable, proof of income in the form of vested restricted stock
       units (of a Customer’s current employer); and
       j) If applicable, if the subject property associated with a Customer’s
       Mortgage Loan is an investment property, proof of proposed rental income
       from such property.

Failure to provide all Required Documents within the Required Tasks Completion
Period may result in a Customer being ineligible for the Offer. The Required
Documents may differ based on a Customer’s unique financial condition and
Mortgage Loan circumstances.

 2. In addition, to be eligible for the Offer for a conventional, conforming
    mortgage loan, Better Mortgage Customers must:
    a) Be a U.S. citizen, permanent resident or non-permanent resident (certain
    visa categories only) purchasing or refinancing a primary residence located
    in a state where Better Mortgage is licensed to originate mortgage loans;
    b) Be a W-2 employee or an individual on fixed income (e.g., pension, social
    security, or disability income);
    c) Own no more than four additional properties, excluding the subject
    property associated with the Mortgage Loan, and must not be in the process
    of becoming a fee simple owner of an additional fifth property (i.e., must
    not have, or be in the process of obtaining, all of the rights of ownership,
    including the right to possess, sell, lease, and enjoy the land) in any
    state, other than the contemplated subject property associated with their
    Mortgage Loan;
    d) Meet the requirements to lock a rate, and subsequently lock a rate on
    their Mortgage Loan with Better Mortgage on or after February 14, 2022; and
    e) Successfully provide all Required Documents to Better Mortgage within
    Required Tasks Completion Period.

 3. For conventional, conforming mortgage loans, the Offer is limited to the
    purchase or refinance of a primary residence, second home, or investment
    property for the following property types:
    a) Single family;
    b) Townhouse;
    c) Condominium;
    d) Detached condominium;
    e) Planned unit development (“PUD”);
    d) PUD-attached;
    e) PUD-detached; or
    f) High rise condominium

ii. Near-Agency Jumbo Mortgage Loans

 1. To be eligible for the Offer for a near-agency jumbo mortgage loan,
    Customers are required to provide the following documents to Better Mortgage
    via their online Customer portal within the Required Tasks Completion Period
    (collectively, the “Required Documents”):
    a) Pay stubs;
    b) W2s;
    c) Bank statements (including any applicable investment and retirement
    statements);
    d) A copy of a complete purchase agreement for the subject property of their
    Mortgage Loan (the purchase agreement is not required to be signed by either
    the customer or the seller at this point in time); and
    e) If applicable, proof of disability awards, social security income,
    retirement earnings, or pension income statements.

Failure to provide all Required Documents within the Required Tasks Completion
Period may result in a customer being ineligible for the Offer. The Required
Documents may differ based on a qualified customer’s unique financial condition
and Mortgage Loan circumstances.

 2. In addition, to be eligible for the Offer for a near-agency jumbo mortgage
    loan, Better Mortgage qualified customers must:
    a) Be a U.S. citizen, permanent resident or non-permanent resident (certain
    visa categories only) purchasing or refinancing a primary residence located
    in a state where Better Mortgage is licensed to originate mortgage loans;
    b) Be a W-2 employee or an individual on fixed income (e.g., pension, social
    security, or disability income);
    c) Own no real property, other than a primary residence (which such
    qualified customer is currently in the process of selling), and must not be
    in the process of becoming the fee simple owner of real property (i.e., must
    not have, or be in the process of obtaining, all of the rights of ownership,
    including the right to possess, sell, lease, and enjoy the land) in any
    state, other than the contemplated subject property associated with their
    Mortgage Loan;
    d) Meet the requirements to lock a rate, and subsequently lock a rate on
    their Mortgage Loan with Better Mortgage on or after February 14, 2022; and
    e) Successfully provide all Required Documents to Better Mortgage within
    Required Tasks Completion Period.

 3. For near-agency jumbo mortgage loans, the Offer is limited to the purchase
    or refinance of a primary residence for the following property types:
    a) Single family;
    b) Townhouse;
    c) Condominium;
    d) Detached condominium;
    e) Planned unit development (“PUD”);
    f) PUD-attached;
    g) PUD-detached; or
    h) High rise condominium.
    
    4. For near-agency jumbo mortgage loans, the Offer is limited to a principal
       amount of less than $1,500,000 for the Mortgage Loan.
    
    b) Better Mortgage does not guarantee that by qualifying to become eligible
    for the Offer that a Customer will receive an underwriting determination
    within 24 hours of locking a rate on their Mortgage Loan. Upon qualifying
    for the Offer, Better Mortgage will use commercially reasonable efforts to
    provide a Customer with an underwriting determination within 24 hours of the
    Customer locking a rate on their Mortgage Loan. In addition, Better Mortgage
    does not guarantee that an initial approval in connection with an
    underwriting determination will result in the final underwriting approval of
    a Customer’s Mortgage Loan. Moreover, Customers will be required to provide
    additional information and documentation after receiving an initial
    underwriting determination on their Mortgage Loan in order for Better
    Mortgage to make a final underwriting determination.
    
    4. The Discount.
       a) Customers will be given the opportunity to be randomly selected to
       receive lender paid credits in the amount of $1,000 or $250 (each a
       “Concession”). Notwithstanding the foregoing, not all Customers will be
       selected to receive a Concession.
       b) Upon qualifying for the Discount, Better Mortgage will include the
       Discount in the final closing costs due at the closing of the Mortgage
       Loan. The Discount can only be applied once per Mortgage Loan. The
       Discount may not be combined with any other Better Mortgage promotions,
       discounts, or concessions.
       c) Better Mortgage reserves the right to provide a Customer with the
       Discount in the event that the Customer fails to provide the Required
       Documents within the Required Tasks Completion Period.
    
    5. The use of self-employment income or rental income from investment
       properties to meet the debt-to-income (“DTI”) requirements of a Mortgage
       Loan, other than as specified in the terms above, where such income is
       required for a Customer to qualify for the Mortgage Loan, may render a
       Customer ineligible for the Offer.
    
    6. The Offer and Discount are subject to all applicable state laws, and are
       available in all 50 states and the District of Columbia.
    
    7. Better Mortgage is an Equal Housing Lender. As prohibited by federal law,
       we do not engage in business practices that discriminate on the basis of
       race, color, religion, national origin, sex, marital status, age
       (provided you have the capacity to enter into a binding contract),
       because all or part of your income may be derived from any public
       assistance program, or because you have, in good faith, exercised any
       right under the Consumer Credit Protection Act. The federal agency that
       administers our compliance with these federal laws is the Federal Trade
       Commission, Equal Credit Opportunity, Washington, DC, 20580.
    
    8. BETTER MORTGAGE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS,
       PROMOTIONS AND BENEFITS AT ANY TIME WITHOUT NOTICE. Rates and Terms are
       subject to change at any time without notice and are subject to state
       restrictions. Better Mortgage Corporation, 3 World Trade Center, 175
       Greenwich Street, 57th Floor, New York, NY 10007. Tel: 888-501-3186, Fax:
       408-946-0112, is licensed by the Department of Business Oversight under
       the California Finance Lender Law License No.6052748 , NMLS # 330511.
       (www.nmlsconsumeraccess.org)

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© 2023 Better Holdco, Inc. and/or its affiliates. Better is a family of
companies. Better Mortgage Corporation provides home loans; Better Real Estate,
LLC and Better Real Estate California Inc License # 02164055 provides real
estate services; Better Cover, LLC sells insurance products; and Better
Settlement Services provides title insurance services; Better Connect, LLC dba
Better Attorney Match provides real estate attorney connection services; and
Better Inspect, LLC provides home inspection services. All rights reserved.

Home lending products offered by Better Mortgage Corporation. Better Mortgage
Corporation is a direct lender. NMLS #330511. 3 World Trade Center, 175
Greenwich Street, 57th Floor, New York, NY 10007. Loans made or arranged
pursuant to a California Finance Lenders Law License. Not available in all
states. Equal Housing Lender. NMLS Consumer Access

Better Real Estate, LLC dba BRE, Better Home Services, BRE Services, LLC, Better
Real Estate and Better Real Estate California Inc is a licensed real estate
brokerage and maintains its corporate headquarters at 325-41 Chestnut Street,
Suite 826, Philadelphia, PA 19106. Here is a full listing of Better Real Estate,
LLC’s license numbers. Equal Housing Opportunity. All rights reserved.

Better Real Estate employs real estate agents (“Better Real Estate Agents”) and
also maintains a nationwide network of partner brokerages and real estate agents
(“Better Real Estate Partner Agents”). Better Real Estate Partner Agents work
with Better Real Estate to provide high quality service outside the service area
covered by Better Real Estate Agents or when Better Real Estate Agents
experience excessive demand.

New York State Fair Housing Notice
New York Standard Operating Procedures

Texas Real Estate Commission: Information About Brokerage Services | Consumer
Protection Notice

Better Settlement Services, LLC. 325-41 Chestnut Street, Suite 803,
Philadelphia, PA 19106.

Homeowners insurance policies are offered through Better Cover, LLC, a
Pennsylvania Resident Producer Agency. License #881593. 325-41 Chestnut Street,
Suite 807, Philadelphia, PA 19106.

Insurance quotes and policies are offered through Better Cover, LLC. A
Pennsylvania Resident Producer Agency. License #881593. Here is a full listing
of Better Cover, LLC’s license numbers.

Better Connect, LLC dba Better Attorney Match and/or its affiliates. Better
Attorney Match maintains its corporate headquarters at 325-41 Chestnut Street,
Suite 846, Philadelphia, PA 19106.

Better Inspect, LLC maintains its corporate headquarters at 325-41 Chestnut
Street, Suite 846, Philadelphia, PA 19106.

Better Mortgage Corporation, Better Real Estate, LLC, Better Settlement
Services, LLC, Better Cover, LLC, Better Connect, LLC dbs Better Attorney Match,
and Better Inspect, LLC are separate operating subsidiaries of Better Holdco,
Inc. Each company is a separate legal entity operated and managed through its
own management and governance structure as required by its state of
incorporation, and applicable and legal and regulatory requirements. Products
not available in all states.

Any unauthorized use of any proprietary or intellectual property is strictly
prohibited. All trademarks, service marks, trade names, logos, icons, and domain
names are proprietary to Better Holdco, Inc. Better Holdco, Inc. trademarks are
federally registered with the U. S. Patent and Trademark Office. Better Cover is
a registered trademark with the U.S. Patent and Trademark Office and is owned by
Better Cover, LLC.