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Get cash from your home

Take cash out or get a HELOC to pay for whatever you need.

Get Cash

Refinance.

Lower your payments and adjust loan terms. We’ll find the right fit.

Lower my payment

Buy a home.

The process is simple. Get the home of your dreams without the hassle.

See if I qualify

30,000+ Five-Star Reviews “Exceptional service”

Mortgage

‍magic.

Super simple. Lightning-fast application. Dedicated mortgage expert. Get a home loan you’ll actually love.

Explore Your Options

No-impact credit check. No commitment.

Get cash from your home

Take cash out or get a HELOC to pay for whatever you need.

Get Cash

Refinance.

Lower your payments and adjust loan terms. We’ll find the right fit.

Lower my payment

Buy a home.

The process is simple. Get the home of your dreams without the hassle.

See if I qualify

4.8

2,500+ reviews

4.9

4,300+ reviews

4.9

9,200+ reviews

5.0

3,100+ reviews

4.8

2,500+ reviews

4.9

4,300+ reviews

4.9

9,200+ reviews

5.0

3,100+ reviews

“Quick and simple.”

XX,XXX+ Five-Star Reviews

Only at Lower

Buy a Home From Your Phone

It’s a mortgage application without that “mortgage application” feel. Apply in 3 mins or less.

Apply Now

Even on Weekends

Text, call, or email your loan advisor 7 days a week. Day or night, on your schedule.

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Refreshingly Real

We use all our creative might to build the best loan, at the best price, just for you.

Explore Your Options

See full details

Refinance for free. For life. 🤘

Buy or refinance once with Lower, and we’ll cover the lending fees on your refinances, for life.*

Certified to Government Standards

Fully vetted and approved.

Direct to you.

Certified by Fannie & Freddie, meaning continuous vetting by government-backed institutions for more loan options, better rates, and peace of mind.

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10 min read

The Loan Process Made Simple

What’s the right mortgage for me?

Ready to start?

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Friendly suburban home, ready for purchase

Buy a home

Get financing to buy the house you’ve always wanted.

Refinance

Change your rate or your term. Let’s figure out what’s best for you.

Family enjoying their newly renovated home they were able to afford through their Home Equity Line of Credit, HELOC

Access equity

Take money out of your home to pay for whatever you need.

Trusted by over 30,000 customers across the U.S.

Don't take our word for it.

Ready to take the next step?

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"The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process."

Ranae T

"Connor was amazing throughout the entire cash out refinance process. He always kept us up to date with everything going on. He also always made sure he was available to answer any question we might have had."

Mia M

"Lower was able to get me approved and in my new home as a first time homebuyer with hardly any issues. My Loan Advisor answered all my questions, and kept me informed throughout the process. Highly recommended!"

Thien D

"Lower.com helped lead us through the process of refinancing and HELOC. There were times when it got a little overwhelming, but Lower always stayed right on top of things and kept us informed..."

Gina S

"The whole process from start to finish was easy with Lower.com. My lender was always there and answered any questions I had and made it work for me to close."

Heather B

"I was very happy with Lower and the entire refinancing experience. You can tell Lower really cares about the customer and wants to make the experience as good as possible for the customer."

Marchelle B

Over 30,000 five star reviews and counting

4.8

2,500+ reviews

4.9

9,300+ reviews

4.9

28,800+ reviews

4.9

4,300+ reviews

Buy a home

Get financing to buy the house you’ve always wanted.

Refinance

Change your rate or your term. Let’s figure out what’s best for you.

Get cash from your home

Take cash out or get a HELOC to pay for whatever you need.

Lower.com—Top Mortgage Lender

4.8 / 5

Don't take our word for it.

Great Company to Work With

Lower helped our family with a HELOC and was extremely friendly, knowledgeable, and responsive. Despite a rapidly changing market, he guided us every step of the way.

Dakota M

Trustpilot Review

Definitely recommend!

Lower.com helped lead us through the process of refinancing and HELOC. There were times when it got a little overwhelming, but Lower always stayed right on top of things and kept us informed...

Gina S

Trustpilot Review

Great company to work with

The whole process from start to finish was easy with Lower.com. My lender was always there and answered any questions I had and made it work for me to close.

Heather B

Trustpilot Review

Had a great experience with Lower!

Lower was able to get me approved and in my new home as a first time homebuyer with hardly any issues. My Loan Advisor answered all my questions, and kept me informed throughout the process. Highly recommended!

Thien D

Trustpilot Review

Amazing Service

Connor was amazing throughout the entire cash out refinance process. He always kept us up to date with everything going on. He also always made sure he was available to answer any question we might have had.

Mia M

Trustpilot Review

Easiest refi ever

Did all communication through text message. Signed all documents through an online portal. Easy. Loan just moved into processing phase. Everything is moving very quickly...

Greg A

Trustpilot Review

Highly recommend!

The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.

Ranae T

Trustpilot Review

XX,XXX+ five star reviews and counting.

Apply today

Not only could I easily set up a recurring deposit to help with savings, but when you open an account they will also match dollar-for-dollar (up to $1000) that you can use towards closing costs. When shopping for a mortgage I primarily look for 3 things: 1) best rate possible 2) low closing costs 2) streamlined application process. Lower and this app certainly fulfilled those 3 things, so I’m very satisfied with my experience.

Hienwong

Verified App User

Abby Farber, our loan advisor, was amazing! First time homebuyers and everything went smoothly. She was always available to answer any questions we had. Our first home purchase was a great experience because Abby cares and she helped us through the process

Dina

LendingTree

Lower was very responsive, attentive to detail, and a pleasure to work with throughout the process.

Scott C

Trustpilot Review

Quick and Simple. These are qualities we all need when trying to accomplish a new home purchase amidst our daily obligations. Austin and his team at Lower went far beyond my expectations in assisting me with moving into my new home. I am in a customer experience line of work myself and I’m convinced Austin COULD NOT have made this any easier for me. I’ll be back for my next one!

Zillow

Easy to navigate app that matches you $1000 towards closing costs when you buy a house with them as the lender.

Barb1751

Verified App User

Using this app along with my lender has made this process easier than I could have ever imagined. Would 10/10 recommend.

Heather B.

Verified App User

See more reviews

Paul M.

Lower.com Refinance

30,000 Five-Star Reviews

Don't take our word for it.

Ready to take the next step?

Apply today

Lower.com—Top Mortgage Lender

4.8^/5

Based on 1,475 reviews

4.9^/5

Based on 1,475 reviews

4.9^/5

Based on 1,475 reviews

4.9^/5

Based on 1,475 reviews

Highly recommend!

The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.

Ranae T.

Trustpilot Review

Perfect for 1st time homebuyers!

As a brand new (never-EVER-thought-about-owning-a-house-before) home owner, I was SO relieved that Lower helped to make the process EXPONENTIALLY easier (and apparently much faster) than I expected. Let Lower help you find your way to your new home. You won't regret it!

Dara C.

Google Review

Excellent service. 👏

Lower did an excellent job getting the deal done. They are in constant communication and always available for questions. Lower made everything stress free!

Dana S.

Zillow Review

Excellent loan officer and service.

I worked with Lower to secure a loan for our first house purchase. They were informative, helpful, communicative and nice to boot! Got us a great loan and helped us cross the finish line on the purchase. A++

Ethan

Bankrate Review

And refinance for free. For life.^*

No lending fees

Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.

Worry free

Buy now or refinance now and know you can lower your rate later with peace of mind.

Apply today

See full details

License NMLS Privacy Policy California Privacy Policy Terms of Use Lender Fees Disclaimers SMS Terms and Conditions SMS Privacy Policy MA Borrowers Texas Consumer Complaint

Advertised offers are not guaranteed if you do not continue to meet Lower’s criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners’ association dues. Since costs can vary based on a loan program, closing costs are not shown in examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Lower’s underwriting and Investor requirements. Interest rate examples are as of 03/17/2025. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.

© 2025 Lower, LLC | NMLS#1124061 | www.nmlsconsumeraccess.com | 2021 Lower Holding Co. Lower is a family of Companies. Conducts business as Lower.com, LLC in 38 States. Arizona, Arkansas, California, Connecticut, Delaware, District of Columbia, Florida, Idaho, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts. Minnesota, Mississippi, Missouri, Montana (Lowerdotcom, LLC), Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma (Lower Mortgage, LLC), Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

Home lending products offered by Lower | NMLS #1124061 | 5950 Symphony Woods Road, Suite 312, Columbia, MD 21044 | nmlsconsumeraccess.org | equal housing opportunity

Free Refi for Life: Offer not valid for subordinate simultaneous or HELOC closings and only applicable for first lien mortgage loans originated by Lower. Not applicable to Brokered loans or Reverse mortgages. Offer exclusively waives Lower retained fees, to include origination, underwriting, processing, and administrative fees. Offer not applicable for discount points, or any third-party settlement service fees, such as Title, Settlement, Appraisal, Credit Report, Commissions, or other similar settlement provider fees. Customer must have closed previous first-lien refinance transaction on or after December 1, 2018, with Lower and at least six (6) months prior to any subsequent applications. By refinancing your existing loan, your total finance charge may be higher over the life of the loan. All applications are subject to underwriting and credit approval. Other conditions or restrictions may apply. Call for complete details. Offer only valid at the Direct-to-Consumer Division, 7775 Walton Parkway, 4^th floor, New Albany, OH 43054, NMLS #1168557 and Bonita Springs Branch, 3501 Bonita Bay Blvd, Bonita Springs, FL 34134. Branch NMLS# 2709923. Offer not available for Washington State consumers.

Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.

Reviews: Zillow® is a trademark of Zillow, Inc. Bankrate® is a trademark of Bankrate, LLC. Lending Tree® is a trademark of Lending Tree, LLC. Google® is a trademark of Google LLC. Facebook® is a trademark of Facebook, Inc...

EQUAL HOUSING OPPORTUNITY

NMLS ID #1124061

nmlsconsumeraccess.org

5/20/2025

8.500

Your Loan Officer

12345

New to home ownership?

Discover our services

Mortgage

‍magic.

Discover our services

Discover our services

Mortgage

‍magic.

Only at Lower

Buy a Home From Your Phone

Even on Weekends

Refreshingly Real

Buy a Home From Your Phone

Even on Weekends

Refreshingly Real

Refinance for free. For life. 🤘

Fully vetted and approved.

The Loan Process Made Simple

What’s the right mortgage for me?

Buy a home

Refinance

Access equity

Don't take our word for it.

Over 30,000 five star reviews and counting

Buy a home

Refinance

Get cash from your home

Don't take our word for it.

Great Company to Work With

Definitely recommend!

Great company to work with

Had a great experience with Lower!

Amazing Service

Easiest refi ever

Highly recommend!

XX,XXX+ five star reviews and counting.

Don't take our word for it.

Highly recommend!

Perfect for 1st time homebuyers!

Excellent service. 👏

Excellent loan officer and service.

And refinance for free. For life.*

No lending fees

Worry free

And refinance for free. For life.^*