Better Home Financial, Inc. is a full service mortgage lender that was founded by Wally Nikowitz in San Dimas, California in 1988. Building upon a decade of career success with a national CPA firm, Founder/CPA Wally merged his extensive experience in finance, accounting, tax and business with his passion for helping family, friends and neighbors reach the best solutions for their mortgage, real estate and personal finance needs. Obtaining his real estate and mortgage broker licenses through the Bureau of Real Estate allowed Wally to expand both the scope of services he could provide and the communities he could assist in the San Gabriel Valley. As Wally's reputation for honesty and expertise has grown over the last 30 years, the team of professionals at Better Home Financial has expanded as well. With fellow CPA Mike now as CFO, the firm has positioned itself to continue providing superior and quality service for the next 30 years. We have helped thousands of clients obtain the right mortgages for their home purchases, rate refinances, cash-out refinances, debt consolidations, home improvement loans, and even reverse mortgages. Our full-service mortgage and real estate team offers better rates, expertise and customer service than anyone in our market. Better Home Financial was founded on the principles of providing sound financial advice to all clients, maintaining the utmost integrity, and specializing in prompt, friendly service. Persistently adhering to these principles is what continues to make Better Home Financial the most trusted name in mortgage lending in the San Gabriel Valley.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night...
NMLS 1795154