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*Offer available through 12/31/26 to qualified borrowers with over $100,000 across investing and cash held at Betterment at the time of application who access the Rate website for application through betterment.com/rate and close their residential mortgage loan with Rate; Betterment is not a mortgage lender or broker. Eligible borrowers may receive up to $500 off of their closing costs and up to a 0.75% interest rate discount for select FHA or conventional 30-year fixed rate mortgages on detached, single family homes used as primary residence. The interest rate discount is based on the national average mortgage rate as published by Mortgage News Daily on www.mortgagenewsdaily.com which assumes a $500,000 mortgage amount, 780 FICO score and 75% Loan to value. If loan does not close for any reason, costs will not be refunded. This offer and/or receipt of application does not represent an approval for financing or interest rate guarantee. Interest rate discount, eligible loan products, and offer terms are subject to change or termination without notice. Not all borrowers will be approved. Borrower's final interest rate and/or closing costs will depend upon the specific characteristics of borrower's loan transaction, credit profile, and other criteria. Applicants are subject to credit and underwriting approval. Betterment and Rate are not affiliated. Mortgage products are offered by Guaranteed Rate Inc. DBA Rate, NMLS #2611. Operating as Guaranteed Rate, Inc. in New York. Rate is an Equal Housing Lender. Rate does not provide investment advisory services and is not acting as an agent of and is not endorsing Betterment. Additional restrictions apply.

**Rate’s Same-Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Self-employed borrowers are not eligible. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states.

***Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Rate for current rates and for more information.

****GRate Realty Connect is a Anywhere Integrated Services program and is not facilitated or offered by Rate Inc. or the Rate Corporate Benefits team. You are not required to use GRate Realty Connect and Rate Inc. as a condition of the sale or purchase of any real estate or as a condition of eligibility for any special offer. Anywhere Integrated Services and Guaranteed Rate Affinity, LLC share common ownership, because of this relationship, if Guaranteed Rate Affinity, LLC is your selected mortgage lender, Anywhere Integrated Services and/or its affiliates may receive a financial benefit

*****97% Customer Satisfaction: Data Source: Rate’s Client Satisfaction Surveys (Averaged 2022).

******Source: 2024 Client Survey