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Buying a home is one of the biggest financial decisions you will ever make. And while interest rates matter, choosing the right mortgage lender goes far beyond finding the lowest number online.
If you are thinking about buying your first home in 2026, this guide breaks down what the market really looks like, what matters more than rates, and how first-time buyers can move forward with confidence instead of waiting on perfect timing.
Choosing a mortgage partner is about more than rates or loan options. It’s about trust. It’s about the people who will guide you, advocate for you, and help you make confident financial decisions during one of life’s biggest milestones.
What If Your Home Could Give You a $50,000 Raise Without Changing Jobs?
More Than Just a Mortgage
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. The Better Home Logo is Registered in the U.S. Patent and Trademark Office. © 2025 Better Home & Finance Holding Company 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; 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. 1 World Trade Center, Floor 80, 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 http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/330511