Your one-stop
mortgage shop
From first timers to dream home buyers, we make mortgage easy
As featured in:
Lower Rates
Smart technology keeps our costs down so your rate stays low.
Lower Barriers
From first timers to dream home buyers, we make mortgage easy.
Lower Stress
Our team is with you every step of the way, 7 days a week.
No lender fees for life.*
Close your first loan with Lower and you'll never pay lender fees again. Zero origination, underwriting, or processing fees on every refinance after your first loan, for as long as you're a member.
*Not available to Washington consumers. Third-party fees such as title, appraisal, and credit report still apply.
$0
in lender fees on every future refinance
The numbers back it up.
We have the experience and track record to help you win.
50K+
Five-Star Reviews
4.9
Avg. Customer Rating
47
States + D.C.
Licensed
$24B+
Home Loans
Funded
Don't take
our word for it.
Trusted by 50,000+ homeowners across the country.
With my undocumented PTSD, she kept on me to get all of the paperwirk completed on time. Everyone through this experience were extremely professional and efficient.
Kenny S.
Verified Customer
September 18, 2026
Gabby was amazing from start to finish. She was extremely communicative, supportive and always had our best interest in mind. She was willing to thoroughly answer any questions I had throughout the process and helped us close in a quick turna…round of 30 days, even with a government grant included. I would highly recommend working with Lower LLC, and Gabby, specifically. Additionally, the Lower app was super convenient and user friendly to understand where my loan was at every step.
Julie M.
Verified Customer
October 4, 2026
Elizabeth and her team were great! They were very informative during the entire process!
Raegan P.
Verified Customer
September 29, 2026
Doug was extremely knowledgeable, friendly and easy to talk to. He guided us through the whole process step by step with great detail and made everything very easy for us to understand. Doug was able to work with our unique situation of being r…etired and military veterans and and helped us get the best possible rates and results. We would absolutely recommend Doug and lower mortgage to anybody that is buying a home! 10 out of 10 wonderful experience. Thank you so much Doug and the team!
Jackie R.
Verified Customer
August 26, 2026
Brian always keeps things simple in the best way.
Reese D.
Verified Customer
September 28, 2026
Amazing would call again for my next house whenever that is!
Ryan H.
Verified Customer
September 18, 2026