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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

Bob provided a great guidance on the loan process and he was always available to answer any question.

Jair G.

Verified Customer
5.0

Professional assistance with me and answered all questions with no hesitation. Easy to talk to, kindness. Giving me reassurance about documents and excellent communication.

Sabrina B.

Verified Customer
5.0

Erik is extremely knowledgeable in all aspects of home mortgage and financial matters. His guidance throughout our HELOC process was outstanding and he was able to make the complicated process of the loan very simple for us. We are very satisfi…ed with Erik and will definitely use him again when the need arises. Ken and Mary Moriarty Colleyville, TX

Ken M.

Verified Customer
5.0

Graham and his team were absolutely amazing throughout the entire process. Buying a home can be stressful, but Graham was always there to answer our questions, keep us updated, and make sure everything stayed on track. What impressed me most wa…s how responsive and dependable he was. Anytime something came up, Graham handled it quickly and made sure we understood exactly what was going on. We always felt like he and his team were working hard for us behind the scenes. Everything came together exactly as it was supposed to, and we couldn’t be happier with the experience. I would absolutely recommend Graham and his team to anyone looking for a lender. Thank you for helping make buying our new home such a great experience!

John E.

Verified Customer
5.0

Katie was the biggest help to us during our home buying process. Her communication and willingness to answer any and all our questions was incredible. When looking back at our home buying process we think of how easy it was and how reassured we… felt during the whole process, we have Katie to thank for that!

Shelby A.

Verified Customer
5.0

Service exceeded my expectations

Vincent S.

Verified Customer
Clear
Selection