Buy the house now.
Lower your rate later.
No matter where rates are now, you win. Buy your house now, then refinance to a lower rate later. Finance once with Lower and we'll cover all lending fees on future refinances, for life.*
Property
From first-time homebuyer to second-and-third-time homeowner—we have an option to fit your needs.
Loan Options
Down payment. Credit score. Home price. They’re all important to finding the best loan option for you.
Term
Pay less over time, or less in the short term. Whichever you choose, adjustable or fixed, we’ll make it work.
Your schedule.
Who shops for homes during bank hours? We’re here when you need us. Get connected with a Lower loan advisor, then reach out at any time. Yes, even on the weekends.
Your way.
Ever had a bank text you back? Us either. We’re just like you, if you were a mortgage expert. So, go ahead—text, call or email us for help.
Your place.
Apply online. Upload docs from your phone. All from wherever you are. If we need something signed, we’ll come to you—your house, apartment or work.
Shop your heart out.
No credit check until you’re ready to buy.
Your credit is important, so we don't do a hard pull until you're absolutely ready. (And we'll always ask for permission when we do.)
Look around. See what you like.
With Lower, you can speak with a loan advisor without it impacting your credit. We’ll do a soft, non-impact credit check to get you started, and a hard pull only when you’re ready.
