Buy. Refi. Get Mortgage. Lower rates
That simple

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Interest rate based on a $ loan amount with a 30-year fixed rate and APR and $ monthly payment at 75% loan-to-value (LTV) and discount points.*
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The lower experience.

Get more from your mortgage,
for a whole lot less.

  • Lower rate

    We make lower happen. Lower rates. Lower payments. A better mortgage for less.

  • Quick close

    Apply. Sign. Keys. A super simple experience means we close quickly, too.

  • Easy experience

    Our tech makes it simple. So you get the best, without all the extra cost.

  • Free refi for life

    For a limited time—buy or refi once with Lower™, then pay no lending fees on future refinances, for life.*

Need an expert? You got one.

How We Do Lower
Elisabeth

Elisabeth Certified Loan Advisor

Ever had a bank text you back? Us either. Your loan advisor is just like you, if you were a mortgage expert. So go ahead—text, call or email us at any time for help.

Talk to someone

4.93

664 | Customer Reviews

98%

Customer Satisfaction 1

Oh stop, we're blushing.

Always available.

Whether it was weekday or weekend, (Halley) was always available to help or answer questions.

Jpbahughes | Portland, TX

Very professional.

Awesome. Very professional. Down to earth. After we get some furniture we might invite (Seth) over for Christmas dinner.

Anonymous User | Glen Burnie, MD

So awesome.

Hillary is so awesome...from our first interaction, she has been great. There to guide me every step of the way.

Saniatkins | Marcus Hook, PA
OK, I'm Ready

We're the real deal.

Backed by the big guys. Guess you could say we're too legit. Too-legit-to-quit.

Backed by a top 100 lender.

Yup. We're backed by Homeside, an Inc. 5000 fastest growing company, top 100 lender in the nation, and ranked as one of Glassdoor's best places to work.


Fannie Mae & Freddie Mac approved.

The Federal Housing Finance Agency (Fannie and Freddie) ensures lenders operate with financial safety, are able to raise funds in capital markets, and operate in a consistent manner—and we’ve earned their approval.


200 employees, one central location.

Our real, live Lower HQ is located in Columbus, Ohio. If you get a text, call or email from us, that’s where we are. By keeping operations central, we keep costs and rates down, too!


M-F: 9AM - 6PM | SAT: 10AM - 4PM EST | SUN: CLOSED

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*By entering your phone number and clicking “Submit” you agree that Lower may call and text you with offers and other information, including through the possible use of an autodialer and prerecorded messages, at the number you provided. You are not required to consent in order to obtain a loan.

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Ready to take another step? Our super simple application takes most people about 7 - 10 minutes. We look forward to chatting with you soon!

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*By entering your phone number and clicking “Submit” you agree that Lower may call and text you with offers and other information, including through the possible use of an autodialer and prerecorded messages, at the number you provided. You are not required to consent in order to obtain a loan.

M-F: 9AM - 6PM | SAT: 10AM - 4PM EST | SUN: CLOSED

Please enter your phone number

Please enter your first and last name

Please enter your zip code

Please enter what you are interested in

*By entering your phone number and clicking “Submit” you agree that Lower may call and text you with offers and other information, including through the possible use of an autodialer and prerecorded messages, at the number you provided. You are not required to consent in order to obtain a loan.

Success!

We'll text you ASAP.

Ready to take another step? Our super simple application takes most people about 7 - 10 minutes. We look forward to chatting with you soon!

Apply Now I'm Done
Hmmm...

Try one more time.

We're sorry, it seems that your inquiry wasn't submitted successfully. Please try again. If you continue to have issues please call the number below.

Try Again I'm Done
Call (844) 64-LOWER

*By entering your phone number and clicking “Submit” you agree that Lower may call and text you with offers and other information, including through the possible use of an autodialer and prerecorded messages, at the number you provided. You are not required to consent in order to obtain a loan.