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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

Jill went above and beyond for us.

Elizabeth B.

Verified Customer
5.0

Eva was the best!!!!

Tracy M.

Verified Customer
5.0

Josie and her team made sure we had what we need for each step of the process.

Amanda G.

Verified Customer
5.0

Danny Rubio and lower mortgage were incredible, helpful, responsive, and got me the best rate possible on my mortgage

Sean S.

Verified Customer
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

Nikki was so patient, understanding and was just all around amazing. This was my first experience purchasing a home and she made it so simple and explained every small question I had! I have already referred her to a friend and I will continue …to do so!

Jessica H.

Verified Customer
5.0

Very friendly and reliable team!!! Chris and his team always go an extra mile to make things happen, 🫶

Linda G.

Verified Customer
5.0

My wife and I had an absolutely wonderful experience working with Katie during our home-buying process! From start to finish, she was professional, knowledgeable, responsive, and genuinely cared about making sure everything went as smoothly as …possible. Buying a home can be a stressful and confusing process, but Katie made us feel comfortable and confident every step of the way. She was always willing to answer questions, explain things clearly, and make sure we never felt like we was left in the dark. Her communication and attention to detail really stood out to us, and it was obvious that she truly cared about helping us find the right home and making the entire experience a positive one. What I appreciated most was how personable and approachable she was. She made what could have been a very overwhelming experience feel much easier and more enjoyable. We always felt like we had someone in our corner who was willing to go the extra mile for us. I would HIGHLY recommend Katie Lepley to anyone looking to buy a home! If you’re looking for someone who is hardworking, trustworthy, professional, and genuinely cares about her clients, you won’t go wrong with her. She was fantastic to work with, and I’m confident she will be for you too.

Russell B.

Verified Customer
5.0

Amazing team suoer fast and eas transaction

Justin C.

Verified Customer
5.0

David Wendy and Maureen made this process wemless for me I am so grateful for their knowledge and support. A special thanks to Wendy who was there day and night like a friend reassruing edcating and encouraging a…long the way I am forevwr grateful.

Danielle A.

Verified Customer
5.0

Everything was so simple and done efficientl. I had no worries about anything!

Julie V.

Verified Customer
5.0

Working with Edgard has been exceptional from the very first transaction. He is the kind of loan officer who looks for solutions, not obstacles, and consistently finds ways to make a deal work. I am genuinely grateful for the dedication he brin…gs to my clients and my transactions. He has made deals happen when other lenders could not, and my buyers have been thrilled with the results. Edgard goes far beyond what is typical in this industry. He is hands‑on with every step of the process—he doesn’t pass tasks off to others, he stays involved and engaged from start to finish. He is honest, patient, and willing to hold a buyer’s hand when needed. Recently, he even took one of my buyers to their own banks to help them gather the required documentation. That level of care is rare. We have closed several transactions together, all successful, and he continues to work diligently all the way through closing. My words may not fully capture how extraordinary he is. He thinks creatively, approaches challenges with an “out‑of‑the‑box” mindset, and is available nights and weekends when the situation calls for it. He truly cares about his clients and the deals he works on, and people feel that immediately. It is not easy in today’s market to find someone like Edgard. I will continue recommending him to my buyers—and to my colleagues’ buyers as well. He is an excellent communicator and even helped keep my nervous sellers calm while representing the buyer. Thank you, Edgard, for your hard‑earned efforts, your care, and your diligence. Respectfully, Laurie Ann von Wald

Laurieann W.

Verified Customer
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