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How much equity can you get?

Calculate your funds below. Use a Lower™ HELOC to renovate, pay off high-interest debt, or keep it for the next rainy day.

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Available to you*
Enter your home value and what you owe to see your estimate.

That's <> more than almost any other lender

Get the max. While others stop at 80% LTV, we offer up to 95%.

Up to 95% loan to value
Easy and fast access to cash
Refinance for free, forever
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No-Impact Credit Check

Seeing if you qualify is super easy and won’t impact your credit.

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Pay less per month

Pay Only Interest

A super low monthly payment so you can use that extra cash to get to a better place.

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More money

Borrow the Max

Access as much of your equity as possible—up to $500k with Lower.*

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Get the most out of your equity.

Lower monthly payments and lower interest rates make paying off your debt or renovating your home actually possible. (That’s how we do Lower.)

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No-impact credit check. No commitment.
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30,000+ five star reviews and counting.

"Best. Mortgage. Ever."

"Jake and his team provided outstanding customer service we were able to close our deal in record time (19 days). Excellent feedback was also received from the title company regarding the lender."
AJ
Zillow

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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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