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

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Get cash from your home.
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Take cash out or get a HELOC to pay for whatever you need.

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

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

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3100+ reviews
"Quick and sample."
50,000+ Five-Star Reviews

Only at Lower

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Buy a Home From Your Phone

It's a mortgage application without that "mortgage application" feel.

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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 of our creative might to build the best loan, at the best price, just for you.

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And refinance for free.
For life.*

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No lending fees

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

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Worry free

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

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"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.
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