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
Nikki was always willing to answer our questions and concerns. She explained the process each step of the way. Nikki is a great asset for your team.
John S.
Verified Customer
October 22, 2026
Support during the process
Wanda P.
Verified Customer
October 13, 2026
As a first time homebuyer, I was really nervous and had A LOT of questions. Reily took the time to explain things to me every time I had a question and walked me through the terminology of the home buying process. Not only did he explain things… well and took the time to speak with me when needed, he made the whole process approachable and less scary. Thank you for all your help Reily!
Jessica B.
Verified Customer
October 19, 2026
Thank you for being so amazing at everything you do. Monica has been the most outstanding person to work with. So communicative and willing to walk me through every step and answer every question. This was my first time going through the home b…uying process and I am glad that I had the experience that I did.
Danielle S.
Verified Customer
November 3, 2026
Jon made the process super easy and communicated very well! I would highly recommend!
James D.
Verified Customer
October 13, 2026
Zack and Josh were ao helpful throughout the process. They were always available to answer any questions along the way.
Gabriela F.
Verified Customer
October 1, 2026
He was vey outstanding!
Lorenzo H.
Verified Customer
October 6, 2026
Very pleased with the help and attention I received from the Taylor Weiner team.
Omar R.
Verified Customer
October 3, 2026
Reily has a unique way of solving problems but answering your anxious questions in a way that is calming. He was encouraging at every point and you felt that unlike other financial situations, that he was on our side and not just the banks.
Colton H.
Verified Customer
October 7, 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
We had an excellent experience working with Jill Taylor throughout our home-buying process. As a veteran using my VA benefits to purchase our home, I especially appreciated Jill’s knowledge and experience with the VA loan process. She took the …time to help us understand our benefits, explained what to expect at each step, and made sure our questions were answered along the way. Jill was professional, knowledgeable, responsive, and genuinely helpful. Buying a home involves a lot of moving pieces, and having someone who understands the unique benefits available to veterans made the process much easier and gave us confidence that we were making informed decisions. Gina and I are very grateful for Jill’s assistance in helping us purchase our new home. I would highly recommend her, particularly to fellow veterans and military families looking for someone who understands VA home-buying benefits and will guide them through the process. Five stars!
Bradley B.
Verified Customer
August 20, 2026
Kelli was always so positive and personable, and she has a personality where I never felt she was pressuring me where it felt uncomfortable. Kelli is a highly effective communicator, which made the experience pleasurable.
Timothy M.
Verified Customer
September 6, 2026