Mortgage
magic.
Super simple. Lightning-fast application. Dedicated mortgage expert. Get a home loan you’ll actually love.
Only at Lower
Buy a Home From Your Phone
It's a mortgage application without that "mortgage application" feel.
Even on Weekends
Text, call, or email your loan advisor 7 days a week. Day or night, on your schedule.
Refreshingly Real
We use all of our creative might to build the best loan, at the best price, just for you.
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.
Don't take our word for it.
Over 50,000 five star reviews and counting
Mitchell was of fantastic service! He was very thorough and swift with responding to us for any concerns we had!
Lael B.
Verified Customer
May 29, 2026
He was honest great attitude
Randy T.
Verified Customer
June 18, 2026
Patrick was amazing throughout the entire process. He was always available to answer our questions and took the time to break everything down so we could fully understand each step. His communication, patience, and guidance made the process much easier. We truly appreciate all of his help in making this experience a great one.
Gloria F.
Verified Customer
June 30, 2026
Hailey communicated very well. And if she dibt know the answer to my many questions she would find out as soon as possible!
Cara T.
Verified Customer
June 19, 2026
All of you Thank you
Mohamad S.
Verified Customer
July 21, 2026
Where do i I even start Landon kail has made this whole experience stress free and very easy, I just followed his straight forward easy to understand instructions and now I'm a home owner I would recommend Landon to anyone applying to get a mortgage 10/10 times super nice and personable if I even need anything in the future weather it's a new mortgage or refinancing Landon is my guy
Zach G.
Verified Customer
August 7, 2026
Personal and always corresponding to texts. Jill is the best!
Dena C.
Verified Customer
June 6, 2026
This was our first time buying a stick and brick home (as we call it in the south). We have bought mobile homes, but the process is vastly different. Erik made himself available to answer all of our many questions, and even sat on many phone calls to sort out confusions my we had. He took excellent care of us and made sure we got the perfect home for our family. He worked closely with our realtor, Debbie Tidwell, and our title company, Alamo, to get everything perfect for close. He handled my anxious demeanor with precise care to ensure everyone, not just myself, was comfortable with every aspect of the loan process. We highly recommend him for other clients and will be using him again in the near future to help family members move to this beautiful area with us.
Leann J.
Verified Customer
August 5, 2026
I cant thank enough Kristen Clarke and her team for guiding me to every step from pre approval , last minute transactions and processing to closing.Your professionalism and attention to detail made the entire homeownership journey smoother than expected. Im truly greatful for the time and effort you spent ensuring everything went right. You made the "impossible " possible . Your dedication helped turn our american dream home a reality. Highly recommended Lower,LLC for the first time homebuyers who wants a stress free journey
Maria P.
Verified Customer
July 17, 2026
we were so lucky to work with Alan. we are first time home buyers and Alan walked us through each step of the process and made it easy .
Rudolph B.
Verified Customer
June 27, 2026
Monica is always great to work with. This is my second time working with her & she is always available and willing to answer all of my questions with so much clarity and that helped to make my process so seamless and thorough. I would happily refer her to any friends/family and look forward to working with her again, myself.
Deiana D.
Verified Customer
June 29, 2026
She got it done quickly and definitely knows her stuff and gave great advice. I can’t recommend her enough.
Josh I.
Verified Customer
July 30, 2026