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Lower My Rate

Refinance for better rates and terms.

Refinancing your home loan can mean big savings. Discover how to get a lower mortgage rate with refinancing options designed to reduce monthly payments or shorten your loan term.

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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
Refinancing

Lower your mortgage rate, boost your savings.

Start exploring ways to maximize your savings, and learn more about our refinancing options that make refinancing your mortgage simple and stress-free.

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 refinancing options based on your goals.

2

Customize Your Options

We’ll schedule a quick call with one of our expert loan advisors to help you determine the refinancing solution that’s right for you.

3

Refinance Your Mortgage

Your dedicated loan officer will guide you every step of the way, helping you refinance your mortgage quickly and confidently from home.

Let's go
No-impact credit check. No commitment.

30,000+ five star reviews and counting.

"The entire process was quick and simple. they offered the BEST rates, BEST overall payment, LOWEST monthly payment (and closing costs).... GO WITH THESE GUYS if you are refinancing"
Robert
LendingTree
"My score wasn't the best but Adam was pretty confident he could work something out and this was after being told no by other lenders. I didn't get my hopes up but to my surprise I was approved!"
J.
Google
"My husband and I were extremely happy working with Patrick Martin and thanks to Lending Tree we were connected to Patrick. He made everything easy. He's highly knowledgeable and obviously cares about his customers. We highly recommend Lending Tree and Lower.com Because of them we are finally debt free!!"
Tina
LendingTree
lowermyrate-1

Refinance your rate or term, and save.

With Lower, you can customize your refinance to fit your financial goals—choosing a shorter term to build equity faster, or extending the term to create more room in your budget each month.

Start your rate/term refinance

Refinance your mortgage and access extra cash.

Unlock the potential of your home’s equity with a cash-out refinance. Lower your monthly payments while securing funds for major expenses.

Get a cash-out refinance
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See Full Details

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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