Mortgage
magic.
Super simple. Lightning-fast application. Dedicated mortgage expert. Get a home loan you’ll actually love.
Only at Lower
Buy a Home From Your Phone
It's a mortgage application without that "mortgage application" feel.
Even on Weekends
Text, call, or email your loan advisor 7 days a week. Day or night, on your schedule.
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.*
No lending fees
Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.
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
Todd is extremely knowledgeable, communicates clearly throughout the entire process, and is always looking for ways to help his clients. Todd genuinely works hard to find solutions and make the mortgage process as smooth as possible. I highly r…ecommend him to anyone looking for a dependable and experienced loan officer.
Reinaldo A.
Verified Customer
September 21, 2026
Linda was always responsive and took the time to walk me through everything. I always felt like I knew what was going on, and why. She was always willing to go the extra mile and take the time to help anyt…ime I had questions or concern, and explain things in a way that I understood.
Ryan I.
Verified Customer
November 3, 2026
Rayma was so wo derful to work with! From her communication and being a ailable to us when we needed her was invaluable! She explained everything to us so that we could easily Understand, which we really … needed being first time home buyers! I can't imagine going through this with any other agent! I will recommend Rayma and Yes Mortgage to everone we know! This has been a fabulous experience for us!
Marcella A.
Verified Customer
October 18, 2026
He went above and beyond the call of duty to help make my dreams a reality
Brian S.
Verified Customer
September 2, 2026
Stephn and his team were always available to answer any questions. Even after normal business hours I would call thinking I would have e to leave a message and he would take my cal or call me right back.
Frederick Y.
Verified Customer
September 1, 2026
Clay was very available for any questions I had and was there to guide me there the process
Cade K.
Verified Customer
October 5, 2026
Laura was great to work with, knowledgeable and quick to respond
Joseph E.
Verified Customer
September 7, 2026
Communication and flexibility with my schedule.
Stephanie S.
Verified Customer
August 11, 2026
Kevin and Gina at Lower made it feel like you aren't just another number to them, but a cherished client and an actual human being. My interactions with both of them brought a very human and personalized experience from start to finish in my ho…me buying and mortgage setup process. Add to the fact that they are both highly skilled, very easy to get ahold of, and will quickly work on any problems you come across made them really stand out to me and I think that's a trait other businesses should adopt with their clients.
Brian O.
Verified Customer
September 22, 2026
Tonya always pays attention to details. I can trust what’s she is telling me and I know she will walk me through the process to a successful closing. My clients and I know she is the utmost professional.
Cathy G.
Verified Customer
September 12, 2026
Lisa depriest was always professional and was always able to answer all of my questions!
Nakasha T.
Verified Customer
August 29, 2026
Becky always answered my calls. When I was confused she was patient and explained things to me thoroughly.
Kyle M.
Verified Customer
August 21, 2026