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.
With RefiNow from Lower, we’re lowering the barriers and making it easier for working families like you to access more savings than ever before.
Apply now
“I couldn’t have asked for a better experience with Lower!” 4.9
(10,000+)
Tell us about your household finances and current home loan.
We’ll advise you on your options and help you choose what's best.
Get breathing room in your budget and create financial peace.
Verified Home Purchase
With Lower’s RefiNow option, a lower credit score doesn’t have to mean a higher payment. And we won’t do a hard pull on your credit until you know if you qualify.
Apply now
You've been on-time for the last six months, and only late once in the last year.
Not sure what your credit score is? We’ll show you for free when you apply.
You have a single-family home that you use as your primary residence.
You're guaranteed to save big when you qualify for RefiNow—the program is only available to those who can cut at least .5% off their interest rate. Imagine what an extra $100 - $250 a month could do for your goals—you could save thousands to pay for groceries, soccer cleats, or pay off debt.
Apply now
Once you apply we'll evaluate your current home loan and household finances. Don't worry, if you're overqualified, we likely have another Refinance product just right for you. If you're under qualified, we may be able to save you money on your home in other ways. Just give us a chance. ☺️
The RefiNow product is aimed to help those that have a Fannie Mae Loan that were affected by the Covid-19 pandemic. You can check your loan at: https://www.knowyouroptions.com/loanlookup
When you apply for a Lower RefiNow loan we'll only do a soft credit check to ensure we don't impact your credit score. Once you know your loan options and want to proceed, we'll ask your permission to do a hard credit check.
As a participant in the RefiNow program with Lower, you will receive a $500 credit towards the cost of an appraisal should you require one to determine the current value of your home.
Jan - Zillow Review
(10,000+)
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.
*This offer is not guaranteed if you do not continue to meet Lower’s criteria and other factors bearing on your credit worthiness (including acceptable property collateral, income and employment history). Not all applicants will qualify for the rate and monthly payment shown. Monthly payments do not include property taxes, property insurance, and homeowners association dues. Your exact loan's interest rate and payments will depend upon the term of your loan, your credit history, and other qualifying factors. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Lower’s underwriting and Investor requirements. Loans valid for the refinance or purchase of an owner-occupied residence. Loan amounts must be at or under conforming loan limits within your state and county. Rate subject to change depending time of rate lock. Call 844-645-6937 for exact details and qualifying information.
*Offer not valid for subordinate simultaneous closings and only applicable for first lien mortgage loans. Offer exclusively waives Lower retained fees, to include: origination, underwriting, processing, or 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. All applications are subject to underwriting and credit approval. Other restrictions may apply. Call for complete details. Offer not valid at other locations other than 8621 Robert Fulton Drive Suite 150 Columbia, MD 21046 and NMLS Branch ID 1668557 | 8131 Smith’s Mill Road, New Albany, OH
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