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5.0
3,100+ reviews
4.9
2,600+ reviews
4.9
9,600+ reviews
4.9
4,300+ reviews
4.9
43,900+ reviews
"Quick and simple."
50,000+ Five-Star Reviews

Only at Lower

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Buy a Home From Your Phone

It's a mortgage application without that "mortgage application" feel.

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Even on Weekends

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

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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.*

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No lending fees

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

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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

5.0
Bankrate Logo
3,100+ reviews
4.9
Trustpilot Logo
2,600+ reviews
4.9
Google Logo
4,300+ reviews
4.9
Experience Logo
43,900+ reviews
5.0

He was very knowledgeable in many aspect! i truly feel like he helped me explore my options to get me the best deal.

Jacob C.

Verified Customer
5.0

Jake and the Lower Mortgage team made our home-buying experience incredibly easy from start to finish. They were professional, responsive, and always available to answer our questions throughout the process. They made what could have been a stressful experience feel smooth and straightforward. We truly appreciate everything they did for our family and highly recommend Jake and the Lower Mortgage team to anyone looking to purchase a home!

Meghan C.

Verified Customer
5.0

Effective communication and quick response with rep

Natasha L.

Verified Customer
5.0

From beginning to end, Sean was a great partner with us. He spent time before we were ever a customer helping us understand the various borrowing options we had so we could understand what our flexibility would do for us. Then when we were engaged on an actual house, he helped us apply our options creatively, even walking us through one option where the money could come from a non-traditional path which would result in Lower Mortgage not even having a part to play. When someone is willing to help you, and NOT make money, that's a level of support one rarely sees. In the end, we used a traditional loan for the property we purchased, and he found us a really great rate (not trivial considering some of the aspects of the home). We'll end up doing a major refinance in 1-2 years after a deep remodel is complete and we've sold our other property, and we absolutely will work with Sean and the team again for that "final" loan.

Mark E.

Verified Customer
5.0

Made the process smooth and easy, gave us many options, helped us with the one that works best for us.

Jennifer E.

Verified Customer
5.0

Having Shawn as my lender seemed to have expedited my entire home buying proccess! He was fighting on my behalf to push other parties to stop d4ragging their feet and made things happen very fast. I kept hearing from others how quick my process was going as well. He was very friendly, extremely informative, over communcative as to make sure there was no confusion on my end and made sure I was taken care of every step of the way. 11/10 for Shawn!!!

Ryan M.

Verified Customer
5.0

Elizabeth is a true professional. I have worked with her personally and professionally, and I have also referred her to family. I have brought some of the most complicated deals to her, and she always dives right in with confidence, knowledge, and care. I can’t say enough good things about Elizabeth. She is absolutely amazing, and I highly recommend her.

Josh M.

Verified Customer
5.0

Sarah was amazing tons of help and made everything everything go way smoother

Cole J.

Verified Customer
5.0

Lisa and her team were the greatest to work with. This was our second property and pitched through non QM lending, which in any ither other instance could have been stressfull but she made it seamless. Highly recommended their team!

Lucas B.

Verified Customer
5.0

TJ was fantastic and kept us in the loop throughout the process. She was patient and answered all of the questions that we had. We used TJ for our first home, we used her for our new home, and we would use her again and again!

Lauren K.

Verified Customer
5.0

Helpful and friendly

Ryan S.

Verified Customer
5.0

Jeff made the process quick and easy. We love Jeff!

Andrew B.

Verified Customer
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