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Let’s access your equity. (And do cool stuff.)

It’s super simple, and super fast. Here’s how we’ll get the process rolling.

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Quick Chat

So exciting! We’re reviewing your info and running the numbers. We’ll call you to review your personalized options and get any additional info needed.

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Upload documents

It’s SO simple, and it’s all from your phone. We tell you exactly which documents we need to see, and exactly where to find them. Then you snap a photo and upload. See? Super simple.

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Access that home equity

We’ll be with you as your loan moves through each step of the process—from processing all the way to closing. With a HELOC from Lower, you’ll be accessing your equity in no time.

A Simple Guide to Get Started

What do I need to know to get my home equity?

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Don't Settle: 9 Tips To Getting Lower Home Mortgage Rates

Access more of your home equity with Lower

“Smooth, seamless process. Overall great experience.”

Eric ★★★★★
Lower Homebuyer

"This is my 2nd refi with Matthew Mikel! He is excellent. He is responsive and informative. He is calm and re-assuring. And a bonus, he knows what he is talking about. He can be creative and explain things to you in a way they make sense. Thank you Matthew - we appreciate your service and would definitely recommend you again. Additionally, when it's time to purchase our next home, you will be our first call!!!"
Gina
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
"The refinance of our house was fast and simple. The overall process was very simple, easy, and best of all, Mackenzie got us a great rate. Dropping our interest rate by almost 2%."
John S.
Google