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Your one-stop
mortgage shop

From first timers to dream home buyers, we make mortgage easy

No-impact credit check. No commitment.
 

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.

Lower Member Benefit

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

 
Why Lower

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

 
  • 5.0
    3,100+ Reviews
  • 4.9
    2,600+ Reviews
  • 4.9
    4,300+ Reviews
  • 4.9
    43,900+ Reviews
REVIEWS

Don't take
our word for it.

Trusted by 50,000+ homeowners across the country.

 
5.0

Working with Sean was a great experience! He made the home-buying process smooth and easy to understand, was always responsive, and helped us every step of the way. Thank you! :)

Kristina C.

Verified Customer
5.0

Thank you for all you did for us!

Emily B.

Verified Customer
5.0

Rema gave us the absolute best she could've given, and she even went over and above to make sure we had a moving company on the day of our signing since we were without anyone to help us to move our home to the new house. We are grateful and th…ankful for all that she did for us.

Henry V.

Verified Customer
5.0

It is our third house we purchase thru Leslie; they make feel as a part of the family. They walk you thru the whole process explaining every step and answering every question no matter how silly could be. Great team, excellent customer service,… going the extra mile to make the experience less stressful and more pleasant. We recommend 100% their services and looking forward to work with them. Keep up the good work. Thank you again for all your hard work.

Gerardo G.

Verified Customer
5.0

Danny Rubio and lower mortgage were incredible, helpful, responsive, and got me the best rate possible on my mortgage

Sean S.

Verified Customer
5.0

Erica was wonderful, she walked us through every detail of our loan and never skipped debate. She was a pleasure to work with.

Cynthia M.

Verified Customer
Clear
Selection