Skip to content
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.

home-3-min

Even on Weekends

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

image-Nov-17-2025-04-20-34-4250-PM-min

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.*

0

No lending fees

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

0

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

You made it great McLean! The process was seemless, the closing documents and fees were in line and LOWER than originally quoted. That is always nice! Thank you fro your professionalism and time.

Chad O.

Verified Customer
5.0

Jon and his team were outstanding from start to finish. Their professionalism and attention to detail made the entire mortgage process seamless. Jon and his team were always accessible and responsive. Their communication and commitment were exc…eptional, and they managed to close our loan in less than 25 days. I highly recommend Jon and his team!

Scott V.

Verified Customer
5.0

communication and attention to detail

Damian F.

Verified Customer
5.0

You guys made it so easy and seamless

Skylar T.

Verified Customer
5.0

Dante was supportive every step of the way. Anytime I had questions he was right there with an answer.

Spenser T.

Verified Customer
5.0

Gabriela was always very responsive. She was willing To take time to explain and answer questions. She made the first time home buying experience go as smooth as possible.

Katie S.

Verified Customer
5.0

Farryl provided communication every step along the way. She made sure to explain every process and reason and I felt comfortable towards the end. thank you!

Esther G.

Verified Customer
5.0

Working with Edgard has been exceptional from the very first transaction. He is the kind of loan officer who looks for solutions, not obstacles, and consistently finds ways to make a deal work. I am genuinely grateful for the dedication he brin…gs to my clients and my transactions. He has made deals happen when other lenders could not, and my buyers have been thrilled with the results. Edgard goes far beyond what is typical in this industry. He is hands‑on with every step of the process—he doesn’t pass tasks off to others, he stays involved and engaged from start to finish. He is honest, patient, and willing to hold a buyer’s hand when needed. Recently, he even took one of my buyers to their own banks to help them gather the required documentation. That level of care is rare. We have closed several transactions together, all successful, and he continues to work diligently all the way through closing. My words may not fully capture how extraordinary he is. He thinks creatively, approaches challenges with an “out‑of‑the‑box” mindset, and is available nights and weekends when the situation calls for it. He truly cares about his clients and the deals he works on, and people feel that immediately. It is not easy in today’s market to find someone like Edgard. I will continue recommending him to my buyers—and to my colleagues’ buyers as well. He is an excellent communicator and even helped keep my nervous sellers calm while representing the buyer. Thank you, Edgard, for your hard‑earned efforts, your care, and your diligence. Respectfully, Laurie Ann von Wald

Laurieann W.

Verified Customer
5.0

Patrick is always available for questions; his response time is great. He explains everything so we can understand. His attention to detail is spot on. Love Working with Patrick.

Cindy A.

Verified Customer
5.0

Constant and transparent communication, consistent follow through. I was able to leave it all to Amber and Matt and know it would be taken care of

Amy F.

Verified Customer
5.0

Stacey was great througout our home buying process. She gave great advice and was always available for my many questions.

Randy E.

Verified Customer
5.0

Erick is amazing he has helped us twice now and always is great. he guides us though the whole process and is very knowledgeable in his work. So helpful and transparent no surprises. Go to Erick for all your needs!

Katiuska P.

Verified Customer
Clear
Selection