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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

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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

Responsiveness and getting things completed efficiently.

Ashley E.

Verified Customer
5.0

My wife and I couldn’t be happier with our experience with Joshua McKenzie and the entire Lower Mortgage team. From the very beginning, Joshua was incredibly professional, knowledgeable, patient, and responsive. He took the time to explain ever…ything clearly, answered all of our questions, and made sure we felt comfortable and confident throughout the entire process. What really stood out to us was how much Joshua genuinely cared about helping us achieve our goals. He kept us updated, stayed on top of every detail, and made what could have been a stressful process feel smooth and straightforward. We always felt like we were in good hands. My wife and I are extremely grateful for Joshua’s hard work and dedication. We would highly recommend him to anyone looking for someone they can trust with such an important decision. Outstanding service, excellent communication, and a truly great experience from start to finish!

Roman S.

Verified Customer
5.0

Casey Granston at CrossCountry Mortgage made it happen!! I went through 2 other lenders but they couldn't help but Casey was able to make it happen. Will work with him again no questions.

David S.

Verified Customer
5.0

Jimmy was very professional and responded very quickly to all of my questions. He provided me sound advice and was able to pick up every phone call.

Jackston M.

Verified Customer
5.0

Communication was great. Everything done in timely matter and if any questions was a le to talk and get guidance on what to do.

Ben G.

Verified Customer
5.0

I just wanna say thank you so much for the patience and all the help through all this process. We really appreciate you.thank you so much

Aneudy A.

Verified Customer
5.0

Dante is the greatest! So easy to work with!! This is my third time working with dante and I would never recommend anyone else!

Andrea B.

Verified Customer
5.0

Fast acting no repeat request for information

Steve N.

Verified Customer
5.0

Fred is very knowledgable. We appreciated that he was always available to answer our questions.

Sharon H.

Verified Customer
5.0

Avery was absolutely amazing

Darren S.

Verified Customer
5.0

Cory and wife help my alot thank you both you guy👍👍👍

Hung L.

Verified Customer
5.0

Judy definitely went above and beyond for us. We felt like we had an Army at our back with the assistance from her and her team!

Jerry J.

Verified Customer
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