Access funds for renovations, debt consolidation, or big goals with ease.
Our process is simple and hassle-free. Let’s make homeownership a reality.
Simplify the process and save with competitive rates tailored to your goals.
We connect you with the right loan to bring homeownership within reach.
We’ll schedule a quick call with an expert loan advisor to build the perfect mortgage for you.
Get personalized support from our dedicated loan officer to access your equity quickly and confidently.
We’ll schedule a quick call with an expert loan advisor to build the perfect mortgage for you.
Get personalized support from our dedicated loan officer to access your equity quickly and confidently.
We’ll schedule a quick call with an expert loan advisor to build the perfect mortgage for you.
Get personalized support from our dedicated loan officer to access your equity quickly and confidently.
Get the max. While others stop at 80% LTV, we offer up to 95%.
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A super low monthly payment so you can use that extra cash to get to a better place.
Access as much of your equity as possible—up to $500k with Lower.*
Access as much of your equity as possible—up to $500k with Lower.*
A super low monthly payment so you can use that extra cash to get to a better place.
Ready to get started?
Based on 1,475 reviews
Based on 1,475 reviews
Based on 1,475 reviews
Based on 1,475 reviews
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.
Trustpilot Review
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!
Google Review
Lower did an excellent job getting the deal done. They are in constant communication and always available for questions. Lower made everything stress free!
Zillow Review
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++
Bankrate Review
Based on 1,475 reviews
Based on 1,475 reviews
Based on 1,475 reviews
Based on 1,475 reviews
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.
Trustpilot Review
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!
Google Review
Lower did an excellent job getting the deal done. They are in constant communication and always available for questions. Lower made everything stress free!
Zillow Review
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++
Bankrate Review
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.
Rates, terms, and qualifying details not applicable to stand-alone HELOC options. A HELOC combination product (or HELOC Combo) is a combination transaction of refinancing your existing mortgage at the same time as obtaining a subordinate HELOC loan. Its primary purpose is to allow our customers to borrow additional money in order to qualify for a main mortgage without paying for private mortgage insurance and/or contribute towards closing costs.
Lower home equity line of credit (HELOC) annual percentage rate (APR) is variable and is based on the value of an index plus a margin. The index is the highest rate of interest identified as the 'Prime Rate' in the 'Money Rates' section of the Wall Street Journal.
*Your APR may be higher and will be based on the variable-rate index value in effect at the time of account opening, your credit qualifications, amount of the line of credit, Loan-to-Value (LTV) ratio, and type of property. Your APR will not exceed 18% and your APR may not drop below 4%.
**Maximum LTV and loan amount sought dependent on borrower eligibility, and limited to properties located within specific states and counties. Product is only available in states where Lower is licensed (see nmlsconsumeraccess.org link below). Please call for complete details. $15,000 minimum loan amount required. No annual fee. HELOC transactions are subject to a 1% origination fee. Borrower is responsible for paying required government taxes and fees at closing. By entering in your phone number and email address, and clicking “Let's get started”, you agree that Lower may contact you via an automated telephone dialing system, text message, and email with offers and other information. Phone number is required. Please complete the required field or call to apply at 833-519-9579. You are not required to consent in order to obtain a loan.
Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required as well.
Please consult your tax advisor regarding the deductibility of interest.
Based on the information inside of the calculator, with a home value of $437K and $252K left on the loan.
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