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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

cashout3-min

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

Very responsive and helpful! Always answered and clarified any questions I had. Excellent communication. Positive and easy to work with

Janet R.

Verified Customer
5.0

Mike and Summer were a great help in getting my mortgage approved. And were very profesional but still friendly. Underwritter was a whole different story. My rating would be much higher if in were not for your underwritter.

Greg C.

Verified Customer
5.0

Chris, was very attentive and knowledgable. He was always on top of my loan and proactive throughout the entire process. He also did the little things well such as just answering the phone or returning my calls quickly. I would highly recommend Chris to anyone who needs help with lending.

Richmond G.

Verified Customer
5.0

I had a great experience with Dwayne Graham at New American Funding. He is very knowledgeable and helpful in explaining the mortgage loan process, including presenting all available options. Definitely consider working with him for your mortgage loan needs.

Terry L.

Verified Customer
5.0

Cheryl was great to work with!

Jack G.

Verified Customer
5.0

Jeff is very helpful and very responsive.

Antonio R.

Verified Customer
5.0

Working with Fred to buy my first house was an absolute pleasure. Fred made a complex process feel incredibly smooth and stress-free. Every question I had was answered immediately, and he kept me updated at every single step. His professionalism and dedication are unmatched. We managed to close ahead of schedule with zero surprises along the way. I highly recommend him to anyone looking to buy a home!

John C.

Verified Customer
5.0

Judy remained calm when we were panicked. She guided us through questions we had with professionalism and patience.

Diane M.

Verified Customer
5.0

Doug stayed in constant contact, he was patient and addressed all my concerns.

Sharon B.

Verified Customer
5.0

As a real estate agent, I appreciate lenders who communicate well and stay on top of the process. Marco was responsive, professional, and kept everyone informed from contract to closing. He was always available to answer questions, provide guidance, and help navigate challenges as they arose. His communication and dedication exceeded expectations and helped make the transaction as smooth as possible for everyone involved. I look forward to working with him again in the future.

Gina B.

Verified Customer
5.0

Nadia was always available to answer any questions I had and made the process easy from start to finish.

Juan S.

Verified Customer
5.0

Casey is always great to work with!

Douglas M.

Verified Customer
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