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Home Equity Loan

Unlock Your Home Equity Potential

Tap into your home’s value with ease, competitive rates, and expert support from Lower’s home equity lending team.

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No-impact credit check. No commitment.
50,000+ Five-Star Reviews
4.9 4,300+ reviews
4.9 9,200+ reviews
5.0 3,100+ reviews
Home Equity Options

Choose the best way to access your home’s equity.

Whether you need flexible home equity financing, a one-time lump sum, or to refinance for extra cash, each option is tailored to meet your financial goals.

A better, all-digital experience.

Best for large, one-time cash needs.

Cash-Out Refinance

Replace your mortgage and get cash for your equity.

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Best for set-cost, one-time projects

Home Equity Loan

Turn your home’s equity into cash with a fixed-rate loan.

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Best for flexible, ongoing funds

HELOC

Access a revolving credit line with flexible withdrawals and payments.

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Work with a Lower Advisor to get personalized equity options.

1

Get Started

Take 5 minutes to complete our online application, and we’ll connect you with the best home equity financing option for your needs.

2

Customize Your Options

We’ll schedule a quick call with one of our expert loan advisors to help build a home equity solution that’s right for you.

3

Access Your Equity

Your dedicated loan officer will guide you every step of the way, helping you access your home’s equity quickly and confidently from home.

30,000+ five star reviews and counting.

"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"
Dina
LendingTree
"We worked with Ben Rosenthal to complete our mortgage contract quickly and with great satisfaction. We were most concerned about getting the best interest rate possible and with Lower.com we did, choosing them out of about five lenders we shopped. Ben also worked to direct us towards other ways to save money on closing. We appreciate needing less burdensome documentation and being able to upload all that electronically at our convenience. Ultimately the process was streamlined and simple."
Jill
LendingTree
"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."
Adrian R.
Zillow
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Flexible funds with a HELOC.

Need ongoing access to cash? With up to 95% loan to value, a HELOC from Lower works like a credit card backed by your home, offering interest-only payments during the draw period for flexible, on-demand borrowing.

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Get a lump sum with a home equity loan

For big expenses you can plan, like renovations or debt consolidation, a home equity loan delivers a single, fixed-rate lump sum. Simple, predictable, and budget-friendly.

Work with a Lower advisor
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Refinance your mortgage and cash out

Unlock extra cash with a cash-out refinance. Ideal for lowering monthly payments while tapping into your home’s equity for major expenses.

Get a customized rate quote

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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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