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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

Todd is extremely knowledgeable, communicates clearly throughout the entire process, and is always looking for ways to help his clients. Todd genuinely works hard to find solutions and make the mortgage process as smooth as possible. I highly r…ecommend him to anyone looking for a dependable and experienced loan officer.

Reinaldo A.

Verified Customer
5.0

Linda was always responsive and took the time to walk me through everything. I always felt like I knew what was going on, and why. She was always willing to go the extra mile and take the time to help anyt…ime I had questions or concern, and explain things in a way that I understood.

Ryan I.

Verified Customer
5.0

Rayma was so wo derful to work with! From her communication and being a ailable to us when we needed her was invaluable! She explained everything to us so that we could easily Understand, which we really … needed being first time home buyers! I can't imagine going through this with any other agent! I will recommend Rayma and Yes Mortgage to everone we know! This has been a fabulous experience for us!

Marcella A.

Verified Customer
5.0

He went above and beyond the call of duty to help make my dreams a reality

Brian S.

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

Clay was very available for any questions I had and was there to guide me there the process

Cade K.

Verified Customer
5.0

Laura was great to work with, knowledgeable and quick to respond

Joseph E.

Verified Customer
5.0

Communication and flexibility with my schedule.

Stephanie S.

Verified Customer
5.0

Kevin and Gina at Lower made it feel like you aren't just another number to them, but a cherished client and an actual human being. My interactions with both of them brought a very human and personalized experience from start to finish in my ho…me buying and mortgage setup process. Add to the fact that they are both highly skilled, very easy to get ahold of, and will quickly work on any problems you come across made them really stand out to me and I think that's a trait other businesses should adopt with their clients.

Brian O.

Verified Customer
5.0

Tonya always pays attention to details. I can trust what’s she is telling me and I know she will walk me through the process to a successful closing. My clients and I know she is the utmost professional.

Cathy G.

Verified Customer
5.0

Lisa depriest was always professional and was always able to answer all of my questions!

Nakasha T.

Verified Customer
5.0

Becky always answered my calls. When I was confused she was patient and explained things to me thoroughly.

Kyle M.

Verified Customer
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