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Menu IconClose Icon—Top Mortgage Lender
4.8 / 5

Mortgage magic.


A home owner chatting to a friendly loan advisor about taking out equity in her home. "You're approved"A home owner chatting to a friendly loan advisor about taking out equity in her home. "You're approved"


Super simple. Lower rate. Dedicated mortgage expert. Get a home loan you’ll actually love.

Start for free
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No-impact credit check. No commitment.—Top Mortgage Lender
4.8 / 5

Mortgage magic.

Super simple. Lower rate. Dedicated mortgage expert. Get a home loan you’ll actually love.

Talk to an expert

Let's chat! Get started today and see what you qualify for. Start for free with no commitment.

Get a free consultation
No-impact credit check.
No commitment.
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35,000+ Five-Star Reviews

Exceptional service
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Free Refinancing for Life*

Worry-free financing
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Lightning-Fast Application

It doesn’t get any easier
“Quick and simple.”
XX,XXX+ Five-Star Reviews

Only at Lower

Buy a home

From your phone.

It’s a mortgage application without that “mortgage application” feel. Apply in 3 mins or less.

Hand holding a phone applying for a mortgage through Lower, lightning fast.

No commitment. See if you qualify.

A father and son laughing together

Even on weekends.

Text, call, or email your loan advisor 
7 days a week. Day or night.

Chat bubble: "Your loan update is ready"
Pro advice

Refreshingly real.

We use all our creative might to build the best loan, at the best price, just for you.

A friendly mortgage loan advisor.
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Refinance for free. For life. 🤘

Buy or refinance once with Lower, and we’ll cover the lending fees on your refinances, for life.*

Hey, nice rate.

15-Year Fixed
30-Year Fixed Popular
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7 min read

What Goes Into a Mortgage Payment

A man working in a garden

Fully vetted & approved.

Direct to you.

We’re certified direct to “Fannie and Freddie” which means we’re continuously vetted and approved by government-backed institutions, resulting in more loan options, better rates, and more peace of mind.—Top Mortgage Lender
4.8 / 5

Don't take our word for it.

Great Company to Work With

Lower helped our family with a HELOC and was extremely friendly, knowledgeable, and responsive. Despite a rapidly changing market, he guided us every step of the way.

Dakota M
Trustpilot Review

Definitely recommend! helped lead us through the process of refinancing and HELOC. There were times when it got a little overwhelming, but Lower always stayed right on top of things and kept us informed...

Gina S
Trustpilot Review
A happy customer

Great company to work with

The whole process from start to finish was easy with My lender was always there and answered any questions I had and made it work for me to close.

Heather B
Trustpilot Review
A happy customer
A happy customer

Had a great experience with Lower!

Lower was able to get me approved and in my new home as a first time homebuyer with hardly any issues. My Loan Advisor answered all my questions, and kept me informed throughout the process. Highly recommended!

Thien D
Trustpilot Review

Amazing Service

Connor was amazing throughout the entire cash out refinance process. He always kept us up to date with everything going on. He also always made sure he was available to answer any question we might have had.

Mia M
Trustpilot Review

Easiest refi ever

Did all communication through text message. Signed all documents through an online portal. Easy. Loan just moved into processing phase. Everything is moving very quickly...

Greg A
Trustpilot Review
A happy customer

Highly recommend!

The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.

Ranae T
Trustpilot Review
A happy customer

XX,XXX+ five star reviews and counting.

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 Because of them we are finally debt free!!


What really made me decide to give my business to was the amazing job Andi did while working with me from the first call up until closing day.

Cristhtian P.
Google Review

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!

Google Review

I was very happy with Lower and the entire refinancing experience. You can tell Lower really cares about the customer and wants to make the experience as good as possible for the customer."

Marchelle B.
Google Review

The process was so easy. It was also easy to upload all the required documents to the portal. Jake was available and answered all my questions promptly. I was approved in just a few days.


This was our 8th mortgage closing and it was by far the easiest!! We had never done a virtual closing and it was smooth as silk from the comfort of our couch at the time of our choosing! The whole process was very easy to follow and understand.

Stephanie W.

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!!!


The process was easy. Arianna Graves worked very fast to get my loan closed in record timing! I was very impressed with the time. They're rates were excellent!

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A video review from Paul M. who was very happy with his refinance experience
Paul M. Refinance

And refinance for free. For life.*


No lending fees

Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.


Worry free

Buy now or refinance now and know you can lower your rate later with peace of mind.

Apply today
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