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.
Trustpilot 4.8/5 based on 2,500+ reviews
Turn your home equity into a powerful tool for managing debt. Lower offers flexible options—HELOCs, Cash-Out Refinances, and Home Equity Loans—to help you pay off high-interest debt and save more each month.
Consolidating your debt with Lower is a smart way to take control of your finances and save on interest payments. Here’s why homeowners choose us to consolidate their debt.
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.
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
Lower was very responsive, attentive to detail, and a pleasure to work with throughout the process.
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!
Easy to navigate app that matches you $1000 towards closing costs when you buy a house with them as the lender.
Using this app along with my lender has made this process easier than I could have ever imagined. Would 10/10 recommend.
A HELOC lets you access funds as needed to pay off high-interest debt. With a revolving credit line, you can manage ongoing payments while benefiting from lower interest rates.
Replace your existing mortgage with a new one and use the extra cash to pay off your debts. This option simplifies your finances with one loan and can help you save on interest.
A home equity loan provides a lump sum at a fixed rate, making it ideal for consolidating debts with predictable, consistent monthly payments—without changing you current mortgage terms.
From renovations to debt consolidation, learn how to use your home’s equity to reach your financial goals. Visit our Learning Center for expert insights and tips.
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.
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