Regulatory information and licensing details
Business Name: Better Offers Inc.
DBA: Refinancerate.com
Principal Broker: Bill McCoy
CA DRE License: #01212512
Business Address: Simi Valley, California
Contact: mccoy@betteroffers.com
Better Offers Inc. is licensed by the California Department of Real Estate (DRE) as a real estate broker. Our DRE license number is #01212512.
In California, mortgage brokers are regulated under real estate law. Our license authorizes us to arrange mortgage loans on behalf of borrowers and to connect borrowers with licensed lenders.
You can verify our license status at the California DRE Public License Search.
The Nationwide Multistate Licensing System (NMLS) is a centralized database for mortgage industry licensing. While our California DRE license is our primary license, we also participate in NMLS for multi-state compliance and transparency.
For more information about NMLS, visit NMLS Consumer Access.
Better Offers Inc. is currently licensed to conduct mortgage brokerage activities in the following state:
If you are located outside of California, we may connect you with licensed lenders who are authorized to lend in your state. We do not originate loans directly in states where we are not licensed.
Equal Housing Lender
We are committed to fair lending practices. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or the exercise of any consumer protection right under the Consumer Credit Protection Act.
Information provided on this website, including rate quotes and estimates from our calculators, does not constitute a commitment to lend. All loans are subject to credit approval, property appraisal, and other underwriting requirements.
Mortgage rates change daily and can fluctuate multiple times per day based on market conditions. Rates displayed on this website are indicative and not guaranteed. To lock in a specific rate, you must submit a loan application and receive a rate lock agreement from a lender.
The Annual Percentage Rate (APR) reflects the total cost of a loan, including interest and certain fees, expressed as a yearly rate. APR is typically higher than the interest rate because it includes costs such as origination fees, discount points, and mortgage insurance.
The information on this website is not tax advice or legal advice. Tax benefits of homeownership and refinancing vary by individual circumstances. Consult with a qualified tax professional or attorney for advice specific to your situation.
Better Offers Inc. may have business relationships with certain lenders, title companies, insurance providers, or other settlement service providers. You are not required to use any affiliated service provider as a condition of obtaining a loan.
If we refer you to an affiliated provider, we will provide you with an Affiliated Business Arrangement Disclosure Form as required by the Real Estate Settlement Procedures Act (RESPA).
We are committed to providing excellent service and resolving any concerns you may have. If you have a complaint, please contact us first at mccoy@betteroffers.com.
If you believe we have violated any lending laws or regulations, you may file a complaint with:
California Department of Real Estate
Phone: (877) 373-4542
Website: dre.ca.gov
Address: P.O. Box 137000, Sacramento, CA 95813-7000
Consumer Financial Protection Bureau (CFPB)
Phone: (855) 411-2372
Website: consumerfinance.gov/complaint
The CFPB accepts complaints about mortgage lenders and brokers.
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