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
Eveerything was on point. Communication was excellent and the process was super easy.
David L.
Verified Customer
September 29, 2026
Patrick was cool and level headed throughout the entire process. Other mortgage brokers we looked into were not vary informative, an communication was almost non existent. That was not the case with Patrick and his team! They were there to help… though out every step of the process..couldn't recommend them more!!
Blake H.
Verified Customer
August 3, 2026
The only thing I can suggest is not send so many emails on a daily basis. Highly annoying.
Donna W.
Verified Customer
October 17, 2026
Cam did an amazing job explaining everything from day 1 and guiding us every step of the way. He was on top of things and ensured we never missed a task or action item or deadline. I appreciated how prompt Cam was in responding to any question,… even if it was after work hours. I would highly recommend Cam to anyone looking for a mortgage and if I ever feel the need to refinance, I'll reach out to Cam without any hesitation.
Atif M.
Verified Customer
August 14, 2026
Mike Carey There really aren’t enough good things I can say about Mike Carey with MLJ Escrow. He worked with me for over FOUR YEARS to help me get to the finish line, and I truly don’t think I could have asked for a better person to have in my… corner throughout the process. From the very beginning, Mike was patient, professional, encouraging, and always willing to go above and beyond for me. There were plenty of times throughout those 4 years when things weren’t simple or straightforward, but he never gave up on me. He continued answering my questions, walking me through everything, helping me figure out what needed to happen next, and reassuring me when the process felt overwhelming. He became a solid, true friend, not just a businessman doing a job. Each challenge or goal that was met, he was there. He never swayed. What meant the most to me was that I never felt like I was just another loan or another number. Mike genuinely cared about helping me and my family reach our goal. After working together for so long, finally making it to closing felt like a huge accomplishment, and I will always be grateful that Mike was the person who helped us get there. He always returned my calls, texts, and made sure I was never in the dark. It’s easy to be helpful when everything goes perfectly. It says so much more about someone when they are still there, still working just as hard for you, and still encouraging you over four years later. That is exactly the kind of person Mike is. To add, there is no such thing as a dumb question, only complete respect and transparency when communicating with him. If you are looking for a mortgage lender who is knowledgeable, dependable, patient, professional, and truly cares about the people he works with, I cannot recommend Mike Carey enough. Thank you, Mike, for sticking with me, believing we could make it happen, and going above and beyond for my family. I truly would not have been able to complete this process without Mike. Five stars doesn’t feel like enough! - James Ashley
James A.
Verified Customer
September 2, 2026
Fred answered all our questions and concerns , no matter the time or day.
Breanna H.
Verified Customer
September 19, 2026
very proactive communication!
Kim T.
Verified Customer
August 13, 2026
Erica was a great communicator
Adam O.
Verified Customer
September 15, 2026
Was always there to help when ever i needed her
Carson T.
Verified Customer
October 20, 2026
Always took the time to answer my questions and explained all the important information.
Shenaz J.
Verified Customer
August 16, 2026
is the second home we have purchased with the assistance of Dave. He goes above and beyond and an absolute pleasure to work with.
Reginal G.
Verified Customer
August 24, 2026
Glenn is very knowlegable and was easy to get in contact with when I had any questions. Would highly recommend anyone to use him and if I need another mortgage Glenn will be my first call.
Connor M.
Verified Customer
September 2, 2026