Better Offers Inc is a California-licensed mortgage brokerage specializing in mortgage refinancing. Founded in 2011, we've helped thousands of homeowners lower their monthly payments, pay off their mortgages faster, and access their home equity.
Unlike traditional lenders who are limited to their own loan products, as a broker we work with multiple wholesale lenders to find you the best rates and terms available. This means more options, better pricing, and a loan tailored to your specific needs.
Our mission is simple: provide honest, expert guidance and help you make informed decisions about one of your largest financial assets. We believe in transparency, education, and putting your interests first — always.
Bill McCoy is the founder of Better Offers Inc and Refinancerate.com. With over 15 years of experience in the mortgage industry, Bill has funded more than $2 billion in loans and helped over 10,000 families achieve their homeownership and financial goals.
Bill's approach is built on three principles: education, transparency, and personalized service. He believes every homeowner deserves to understand their options and make confident decisions backed by expert analysis.
Before entering the mortgage industry, Bill worked in financial planning and real estate investment, giving him a unique perspective on how refinancing fits into a broader financial strategy.
California DRE #01212512 | NMLS #[number]
Licensed Mortgage Broker in California
Looking for a California mortgage broker?
Bill also operates BetterOffers.com — a full-service California mortgage brokerage specializing in home purchase loans, refinancing, DSCR investment property loans, and commercial financing.
California DRE licensed broker (DRE #01212512) and NMLS registered, fully compliant with all state and federal regulations.
15+ years of mortgage industry experience with deep knowledge of rate trends, loan programs, and market dynamics.
Your success is our success. We take the time to understand your goals and find the best solution for your unique situation.
Streamlined process with quick approvals, responsive communication, and closings in as little as 30 days.