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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

Tina was very helpful with all of our questions. She always replied very quickly. She was wonderful to work with. We will definitely reach out to her and Lower Mortgage if we need a new mortgage in the future. Rick and Loretta were great to… work with too! The whole team was very responsive to all of our questions. Thanks for such an easy experience with my first mortgage!

Nathan R.

Verified Customer
5.0

Stephn and his team were always available to answer any questions. Even after normal business hours I would call thinking I would have e to leave a message and he would take my cal or call me right back.

Frederick Y.

Verified Customer
5.0

How fast she was trying to get everything done even though there were some setbacks she kept going and we got it done in the end

Devin G.

Verified Customer
5.0

Steven was very communicative and honest with us, which was very appreciated! He also was a great resource for other home buying purposes. He was always in our corner!

Matthew M.

Verified Customer
5.0

Joe was extremely patient and diligent in preparing our application. It was a complicated application and Joe's communication through the process was top notch.

Robert A.

Verified Customer
5.0

Rayma is down to earth, knowledgeable, and straight to the point. Something that you want when dealing with your investments and hard earned money

Tynetta B.

Verified Customer
5.0

Good communication throughout and appreciate haveing Brian at the closing!

Ray S.

Verified Customer
5.0

Graham and his team were absolutely amazing throughout the entire process. Buying a home can be stressful, but Graham was always there to answer our questions, keep us updated, and make sure everything stayed on track. What impressed me most wa…s how responsive and dependable he was. Anytime something came up, Graham handled it quickly and made sure we understood exactly what was going on. We always felt like he and his team were working hard for us behind the scenes. Everything came together exactly as it was supposed to, and we couldn’t be happier with the experience. I would absolutely recommend Graham and his team to anyone looking for a lender. Thank you for helping make buying our new home such a great experience!

John E.

Verified Customer
5.0

Her patience, Cheryl explaining and guiding my client step by step, was the best and most satisfying experience that any first-time homeowner can have. Thanks Cheryl

Eva F.

Verified Customer
5.0

Earnest was absolutely wonderful throughout the entire process. He was always upbeat and positive. He was very patient. He made the entire process as seemless as possible. I highly recommend that you use him whenever the need arises.

Linda M.

Verified Customer
5.0

Alisa was communicative and answered all of our questions in a way that made sense to us as first time home buyers. We understood all of our options and never felt surprised along the way.

Madison G.

Verified Customer
5.0

Joanie Neal and this team is a great team and wonderful to work with I would recommend her to anyone who wants to buy a house

Rodney W.

Verified Customer
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