Better

Another packed morning on FINTECH.TV — and today’s guests brought heat across the economy, AI, crypto, and the housing market. Melissa Otto, CFA from Visible Alpha walked us through NVIDIA’s roller-coaster reaction to earnings. The beat wasn’t the headline — the margin uncertainty around next-gen chips was. Better CEO Vishal Garg shared why this quarter feels like a turning point for the company. Five new partnerships are ramping fast — pushing monthly loan volume toward the $1B mark. And with Tin Man and Betsy automating the mortgage process, AI is quietly rewriting the industry. Nic Roberts-Huntley brought sharp perspective on crypto’s recent turbulence. Despite sell-offs, altcoins are showing resilience — partly due to ETF outflows and year-end rebalancing. Liquidity is shifting, and those patterns are reshaping how digital assets are being positioned. Jeffrey Roach of LPL Financial broke down why the economy isn’t in a simple “cycle” anymore. It’s shifting structurally — and the slowing labor data is telling the real story. He says that trend could push the Fed toward continued rate cuts heading into 2026. Peter Tuchman wrapped the morning with a classic NYSE reality check. Yesterday’s thousand-point swing wasn’t chaos — it was the market reacting to shifting Fed signals. And the AI “bubble” narrative? He wasn’t shy about calling it out. If you want daily, real-time breakdowns from the floor of the NYSE, follow FINTECH.TV — more big conversations on the way.

Want to speak to a Tinman AI Mortgage Advisor based on a real human? Here's your chance! Sign up for the pre-release at better.com/tinman You can speak to Ryan Grant's twin for mortgage questions and then give feedback to my AI twin. better.com/tinman

Vishal explained it clearly: most lenders spend about $12,000 to manufacture a loan. Better does it for roughly $3,000. That efficiency isn't a shortcut… it's a reallocation. AI handles the heavy lift so the Mortgage Advisor can focus on real guidance. Betsy, our AI assistant, has been trained on 12 million calls, knows investor guidelines, runs savings scenarios, and works 24/7. That means fewer bottlenecks, faster answers, and more consistent execution. The win for consumers is pricing and speed. The win for advisors is time back for strategy, clarity, and trust. This is what "advice over price" looks like in practice - technology reducing friction while humans deliver the wisdom. No compromise required. If you're a Mortgage Advisor who values long-term client outcomes and wants to operate at this level, DM me. Let's talk about building an advisor-for-life experience the families we serve can feel. #MortgageAdvisor #MortgageTechnology #AdviceOverPrice #ClientExperience #AIMortgage

📺 Following Better’s Q3 2025 earnings call, CEO and Founder Vishal Garg joined Charles Payne on Fox Business Network’s Making Money to discuss the state of the housing market, noting that mortgage purchase applications rose 6% over the last week and refinance applications increased 147% over the last year. Vishal also discussed how the Tinman® AI Platform and Betsy™ are helping consumers tap into the $22 trillion in home equity available today; paying off high-interest debt and accessing lower rates, faster. Watch the full segment below: