Your one-stop
mortgage shop
From first timers to dream home buyers, we make mortgage easy
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Lower Rates
Smart technology keeps our costs down so your rate stays low.
Lower Barriers
From first timers to dream home buyers, we make mortgage easy.
Lower Stress
Our team is with you every step of the way, 7 days a week.
No lender fees for life.*
Close your first loan with Lower and you'll never pay lender fees again. Zero origination, underwriting, or processing fees on every refinance after your first loan, for as long as you're a member.
*Not available to Washington consumers. Third-party fees such as title, appraisal, and credit report still apply.
$0
in lender fees on every future refinance
The numbers back it up.
We have the experience and track record to help you win.
50K+
Five-Star Reviews
4.9
Avg. Customer Rating
47
States + D.C.
Licensed
$24B+
Home Loans
Funded
Don't take
our word for it.
Trusted by 50,000+ homeowners across the country.
Dyan and Logan both were amazing, when we felt like we had been fully let down my husband found these two. Although it was literal “h*ll” to get the process down they worked day and night weekends and all to make sure we were able to get our dr…eam home.
Britney N.
Verified Customer
August 23, 2026
Stacey was wonderful and made the process very easy
Benny B.
Verified Customer
September 1, 2026
Logan was very communicative during the entire process. Made it very easy and put my mind at ease.
Brock B.
Verified Customer
September 21, 2026
I want to give a superb review to Logan and Lizbeth at Lower Mortgage! When I felt like giving up, they kept going and never gave up on me. As a self-employed borrower, getting approved for an FHA loan came with some challenging moments—but I’m… proud to say, I CLOSED! YESSS! 🎉🏡 I could not have done it without an incredible mortgage team behind me. Logan and Lizbeth went above and beyond to guide me through the process and help get my deal to the closing table. Their patience, dedication, professionalism, and determination were truly unmatched. They are simply the best, and I recommend them ten toes down! If you need a mortgage team that will genuinely fight for you and stay committed until the end, Logan and Lizbeth are the ones to call. Thank you both for helping make this dream a reality!
Carlina P.
Verified Customer
September 5, 2026
He tells you exactly what you need to know and talked me through all the number. He was timely and kept us on track the whole time.
Kevin B.
Verified Customer
September 28, 2026
Lisa did a great job of walking me through the whole process, answering all of my questions, and making sure I was getting the best possible loan I could get. Her help and support went above and beyond, and it was greatly appreciated!
Katie P.
Verified Customer
September 15, 2026