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
Reily was fantastic to work with! He was very helpful and was always easy to communicate with!
Travis A.
Verified Customer
October 2, 2026
Erik was so easy to work with - he was responsive, explained everything to us every step of the way, and put us at ease with the home buying process as first time home buyers. So thankful we were referred to Erik Gross and Lower Mortgage.
Erica J.
Verified Customer
October 14, 2026
Laura was very communicative and always kept us informed on where we were during the process of purchasing our home. She always answered our questions in a timely and professional manner. We could not recommend Laura and the Lower Mortgage team… more!
Jason R.
Verified Customer
August 27, 2026
Jon is always timely, communicative and honest.
Crystal S.
Verified Customer
October 25, 2026
Professional and very helpful
Babak R.
Verified Customer
August 16, 2026
Excellent communication and guided us through the loan process with ease.
Sharon K.
Verified Customer
August 14, 2026
Great communication and service! Everything promised was delivered and was on time! Best loan officer I have worked with in years!
Marci D.
Verified Customer
September 11, 2026
Mrs. Valeria was very supportive, informative, helpful and patient through the whole process. She was very patient and made sure I understood each step. I'm very grateful to her.
Jessica R.
Verified Customer
November 2, 2026
Adam and Gabby were absolutely incredible from the first conversation to the completion of settlement. Every phone call and text message were answered including after normal business hours. Not only were they professional, they …were friendly and compassionate. I honestly feel like I've known these two for years. I couldn't have done this without them. THANK YOU!
Connie K.
Verified Customer
August 18, 2026
Lisa was amazing to woek with. She was always on top of everything, making sure that everyone and everything was on schedule. Lisa goes above and beyond for her clients, she treats them like family and is willing to …do whatever she can to help them achive their dream home. This is the third time we have used her as our mortgage lender, and would recommend her to angone and everyone! Closing was a breeze, stress free and made for an amazing day to begin our journey in our new home! Thank you so much Lisa!
Kenneth L.
Verified Customer
September 27, 2026
Nikkie is amazing! I would confidently refee anyone to Nikkie
Charmaine B.
Verified Customer
November 3, 2026
Jeff was great and effectively answered all my questions.
Cory G.
Verified Customer
November 2, 2026