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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

cashout3-min

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

Dante kept me informed Dailey on where things were at or what's coming up, closing took less than 30 days and was flawless

Michael G.

Verified Customer
5.0

Thanks for everything! Great experience!

David A.

Verified Customer
5.0

TJ was great to work with throughout the whole process. This was my first time buying a home and using a VA loan, and she made the process smooth and easy to navigate. She was always responsive, answered any questions I had, and kept everything… moving through closing. I really appreciate everything she did for us and had a great experience working with her.

Jared P.

Verified Customer
5.0

Mallory was wonderful to work with. She worked hard to provide us with the best option for financing, she was very knowledgeable and answered any questions we had. I know she worked over her normal hours to … make sure we were able to close on time. She explained each step through out the process . We would highly recommend Mallory and will contact her again in the future

Annette W.

Verified Customer
5.0

Katie was wonderful to work with on this refinance she is on top of everything. Refinancing can be difficult but her commitment to making sure my experience went smoothly and with out a hiccup was great. I will use he…r again in the future for sure .

Gregory M.

Verified Customer
5.0

Ms.Taylor answered every question I had, and walked us through the whole process. Very easy to talk to and a great personality. I would recommend her to everyone.

Paula S.

Verified Customer
5.0

I have used Katie Lepley twice- for a loan to purchase a home and to refinance my condo. She is quick and efficient, very professional and really knows this business. She made the process (both times) so seamless and easy. She and her team kep…t me informed every step of the way. I would use her again and highly recommend her for all your loan needs.

Cindy G.

Verified Customer
5.0

Ms. Jill, is simply an amazing person, period. From the first phone conversation until the congratulatory phone call, Ms. Jill demonstrated the upmost compassion, patience, and professionalism, I've ever witnessed f…rom an individual. In my 29 years of public service, I've never witnessed such work ethic, not a single phone went unanswered, not one text messages went without a prompt response, I unknowingly called Ms. Jill while she was attending a wedding, even though it was a Saturday, during a wedding, Ms. Jill responded immediately and addressed my concern. In my humble opinion Ms. Jill, demonstrated the passion and commitment we often believe is nonexistent in the world today! Thank you, Ms. Jill, for treating us like family and handling everything with patience and grace. I have and will continue to tell everyone I know about our amazing experience with Ms. Jill and Lower Mortgage. I can whole heartedly say, I would absolutely recommend my experience of assuarance, integrity, and compassion to every single person I know. Ms. Jill, thank you so much for being an awesome human being. You're family in my book and if there's anything we could ever do for you, please let us know. Respectfully, Tim Fletcher 901.647.7056 tfobfd@yahoo.com

Timothy F.

Verified Customer
5.0

First off I would like to extend the biggest thank you to Angie Lewis and colleagues. Words can't explain what a blessing they were with this process. I was a first time homebuyer excited to finally purchase a home for myself and my family. Ang…ie Lewis and team made it a breeze for us. It was a blessing and pleasure to have such caring people to help out with this. I would highly recommend anyone to give them a call.

Stephen P.

Verified Customer
5.0

I would highly recommend this company to anyone looking to refinance their home. Choosing to do a cash-out refinance on my home turned out to be an incredibly challenging situation filled with numerous roadblocks and an emotional roller coaster… of ups and downs. However, working with Taylor and Anita made all the difference in the world. Throughout the entire process, they provided constant reassurance, deep comfort, and kept my anxiety levels at a manageable level during moments when I felt completely overwhelmed. Their professionalism, empathy, and dedication went far beyond just processing a loan; they truly cared about my peace of mind. I am incredibly grateful for their unwavering support and couldn't have crossed the finish line without them.

Tami T.

Verified Customer
5.0

She answered every question quickly and guided us smoothly through every step

Roberto V.

Verified Customer
5.0

Becky always goes above and beyond to help her clients

James W.

Verified Customer
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