Real estate financing, reimagined
Best Finance is a technology-first lending platform built to replace the slow, paper-heavy mortgage process with something faster, clearer, and radically more accessible. We pair proprietary automation with 200+ wholesale lending programs so every borrower gets the right loan -- not just the convenient one.
Our Mission
The mortgage industry was designed for lenders, not borrowers
The average mortgage takes 45 days and 100+ pages of paperwork. Borrowers are shuffled between processors, underwriters, and closers who each ask for the same documents. Rate locks expire. Deadlines slip. Deals fall apart for reasons no one can clearly explain.
We close in 21 days with a fully digital process. Our platform automates document collection, income verification, and compliance checks so underwriters can focus on decisions instead of data entry. The result: faster closings, lower costs, and borrowers who actually understand their loan before they sign.
Best Finance exists because we believe the largest financial transaction most people will ever make should not also be the most confusing.
Why Best Finance
What makes us different
Speed
Pre-approval in minutes, not days. Our automated underwriting engine reviews applications in real time and issues conditional approvals while you are still on the call. Average close time: 21 days from application to funding.
Transparency
No hidden fees, no last-minute surprises. You see your rate, terms, lender credits, and closing costs upfront -- itemized to the dollar. We earn a flat origination fee and never steer borrowers toward higher-margin products.
Access
Over 200 lending programs from dozens of wholesale partners means we find financing where other lenders say no. Self-employed, foreign national, asset-based, investor with 20 doors -- we have a program for that.
Technology
Our proprietary platform connects borrower data directly to lender pricing engines, eliminating manual re-keying and reducing errors. Digital document uploads, e-signatures, and real-time status tracking keep every deal moving.
Our Founder
Why I started Best Finance
Chris Lee Harris grew up on a farm in a small town in Tennessee. Determined to change his trajectory, he spent six months in a library studying successful people and reverse-engineering their methods.
He returned to school at 25, studying engineering, math, physics, and computer science at UCLA. Chris secured a microcomputer and robotics internship at NASA and graduated with a degree in electrical engineering.
By 33 he had invented a life-saving robotic machine, and at 34 founded Best Finance with the purpose of streamlining the mortgage process and digitizing real estate capital markets.
“I built Best Finance because I believe technology should make complex financial decisions simpler, not harder.”
Chris Lee Harris
Founder & CEO
Our Platform
Every segment of real estate financing, one platform
From first-time homebuyers using FHA down-payment assistance to commercial investors scaling a portfolio, Best Finance serves every segment of real estate financing. Our wholesale model gives us access to products most retail lenders cannot offer.
Our Journey
How we got here
Seeing the problem firsthand
Chris experienced the mortgage process as a borrower and saw what millions of Americans see every year: weeks of waiting, redundant paperwork, and a system that rewards opacity over clarity. With an engineering background, he knew the bottleneck was not regulation -- it was technology.
Building a tech-first platform
Best Finance was founded with a single premise: if you connect borrower data directly to lender pricing engines and automate the compliance layer, you can cut the average loan timeline in half. We built the infrastructure from scratch -- digital application, automated verifications, and real-time pricing across 200+ programs.
Expanding into every loan category
Most lenders specialize. We deliberately went wide, onboarding wholesale partners for conventional, FHA, VA, USDA, jumbo, non-QM, DSCR, commercial, construction, fix & flip, and bridge loans. The goal: never tell a qualified borrower “we do not do that.”
Nationwide and scaling
Today Best Finance is licensed in all 50 states, has funded over $100M in loans, and serves borrowers from every walk of life -- first-time buyers, seasoned investors, the self-employed, and everyone in between. We are just getting started.
Coverage
Licensed nationwide
We are licensed in all 50 states through NEXA Mortgage (NMLS #1660690). Whether you are buying a condo in California or refinancing a rental property in Connecticut, we can help. Same platform, same speed, same transparency -- no matter where the property is.
See what you qualify for
Get pre-approved in minutes with no impact to your credit score. 200+ programs. 50 states. One fast application.
Get pre-approved