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Welcome to Lower

Working hard for you, MA.

First time? We've got you covered.

We know that buying a home for the first time can be scary, that's why we are here to help. With five-star service and after-hours support whenever you need it, Lower is here to make sure you get in to the home of your dreams, worry free.

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20,000+ Five-Star Reviews

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Tools and Resources

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Debt/Asset Calculator
Mortgage Product Calculator
Anatomy of a Mortgage Payment
Affordable Homeownership Opportunities in MA
Down Payment Assistance Available in MA

Credit Education

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Credit Basics
Credit Counseling and Debt Consolidation
Credit Score Facts and Fallacies
Free Credit Reports
What Your Credit Score Means
How to Freeze Your Credit

Foreclosure Prevention

Hard times are often unforeseen and stressful, use these links that will take you directly to MA organizations that can help if you need it.

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Attorney General of MA Notice
HUD Tips on Avoiding Foreclosure
Foreclosure Relief
Foreclosure Prevention
Help For Immediate Foreclosure
Foreclosure Assistance
Post Purchase Workshops

Everything You Need to Know

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MyMassMortgage Online Courses
NeighborWorks Housing Courses
CHAPA Homebuyer Workshops