Credit Karma Home Loans: A New Done-for-You Way to Find Better Rates — Faster

Introducing an AI-powered refinance experience on Intuit Credit Karma, powered by Better Mortgage - combining data, automation, and human expertise to help members find the best rates in as little as 10 days

By Jason van den Brand, GM of Intuit Credit Karma Home

For the everyday American family, making a mortgage payment can feel like a heavy lift. According to recent data from Intuit Credit Karma, 25% of homeowners underestimate the ongoing costs of homeownership, and 40% of Millennials have delayed other life goals due to housing costs including mortgage payments.

Buying a home is often the largest financial decision for most Americans, yet the mortgage process itself has historically been a challenging and often frustrating experience that lacks the technological progress consumers expect today. Shopping for mortgages can be confusing: rates are rarely revealed until you've shared detailed financial information, and many lead generation providers sell your data, resulting in a spammy and overwhelming deluge of calls and emails. Faced with uncertainty and friction, too many homeowners settle for a rate that isn't the best one available. But now, AI is helping homeowners make more informed decisions.

Today, we're excited to announce a major platform milestone in our mission to champion financial progress for our members: the launch of mortgage broker services through Credit Karma Home Loans. To deliver a seamless, best-in-class refinance experience at scale, we've combined the power of Intuit's AI-driven Consumer Platform and Better Mortgage, the nation's first AI-powered mortgage lender to deliver a truly done-for-you approach to refinancing, helping members find better rates, reduce uncertainty, and move forward with confidence.

This isn't just a new offering. It's a major platform milestone in our mission to champion financial progress for our members. We're combining AI-powered automation with human expertise to improve the home lending experience end-to-end. By driving efficiency throughout the process, we're able to reduce costs and pass those savings directly to our members in the form of better rates and lower monthly payments. This is a massive leap toward our vision of saving members over $1 trillion in mortgage interest by driving down the cost of homeownership and making one of life's biggest financial decisions simpler and more accessible.

Closing the Mortgage Affordability Gap with AI

Millions of Credit Karma members currently have mortgages, and many are paying interest rates over 6%, underscoring the massive affordability gap we are working to close. The opportunity for savings is significant, but complexity, fear of rejection, and lack of clarity often prevent homeowners from even starting the refinance journey.

A Best-in-Class Experience Powered by AI and Human Expertise

To help our members, we've combined Intuit Credit Karma's reach and platform intelligence and Better's Tinman AI platform to orchestrate data, automation, and human expertise across the entire refinance journey.

• Speed and efficiency, powered by AI: Intelligent automation streamlines eligibility checks, document collection, and underwriting, allowing members to get pre-approved in as a little as five clicks
• AI + Human Intelligence: When members want guidance or reassurance, Live Experts are available, ensuring advanced technology is always paired with real human support.

Highlighting the power of combining AI platforms at scale, Vishal Garg, CEO and Founder of Better, noted, "Millions of homeowners are stuck paying more than they should simply because refinancing feels confusing or out of reach. By combining Credit Karma's scale with the Tinman AI Platform and Betsy, the first AI voice-based mortgage loan agent, we're helping to remove the uncertainty from refinancing and giving Americans a clearer, faster path to a lower monthly payment - and real savings they can feel."

Built on Intuit's AI-Driven Consumer Platform

Credit Karma Home Loans reinforces Intuit's Consumer Platform's broader commitment to using data, AI, and human expertise to simplify life's biggest financial decisions. Across credit, debt, money management, and wealth building, our platform works year-round to give consumers greater control, better visibility, and more confidence in their financial lives.

Taking the Guesswork Out of Refinancing

The days of guessing when to refinance are over. Our AI-driven experience continuously analyzes market rates, member data, and eligibility signals to proactively surface savings opportunities so members don't have to time the market themselves.

• Around the clock tabs on rates: Our platform looks for money-saving opportunities for our mortgage members around the clock to swiftly answer the question, "should I refinance?"
• The best deals for our members: When an opportunity to save is found, our partner Better, through its Tinman AI Platform, shops the consumer and property data with over 40 financial institutions and 1,500 loan products.

This rigorous, data-driven approach ensures members are shown the program they're actually approved for and the lowest rate and fee combinations available. The result is a refinance experience that's simpler, faster, and built around real outcomes, enabling our members to move forward with clarity and confidence.

Ready to take control of your financial future? Visit the Intuit Credit Karma app or https://www.creditkarma.com/ to get started and see your savings.