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
Fred responded quickly during our loan process and provided excellent assistance when needed. He worked closely with our realtor and provided recommendation(s) regarding the type of loans that worked best to complete both our home sale and purc…hase. I would highly recommend Fred for any loan servicing needs.
Shawn M.
Verified Customer
September 26, 2026
Her compassion and interpersonal skills throughout the process and overall customer service is unmatched and hard to come by in today's world. She is a great teacher and is so patient with her clients. I never have to worry when I tell my clien…ts to go to Linda.
Grace L.
Verified Customer
November 4, 2026
Throughout the process, Connor kept me informed of the steps involved and the progress that was being made. His explanations were clear and concise and I never felt "out of the loop". If I had questions, he … patiently answered until I understood!
Thomas D.
Verified Customer
November 1, 2026
Erik was so easy to work with - he was responsive, explained everything to us every step of the way, and put us at ease with the home buying process as first time home buyers. So thankful we were referred to Erik Gross and Lower Mortgage.
Erica J.
Verified Customer
October 14, 2026
Chris was very knowledgeable and patient with any questions we had. Chris' last minute suggestion on temporary point buy down differentiatied him against a competitor we were considering. Thank you Chris for taking … care of our first home buying experience!
William M.
Verified Customer
September 13, 2026
Comp transparent throughout the entire proces. Went over and beyond to ensure a smooth and stresfree transactio.
Matthew S.
Verified Customer
September 26, 2026
Kristen and her colleagues made the first time home buying experience as easy as possible. They worked tirelessly to ensure we had the most up to date information available to ensure the best rates and made the smartest financial decisions both… for now and our future. They truly made the home buying process easy, and we wouldn’t be in our home without them!
Connor N.
Verified Customer
August 14, 2026
Taylor is amazingly fast in responding to my messages. He and his team are very professional and reliable throughout the entire process, and on top of that, he found me a lender with a very competitive rate! My loan application process went ver…y smoothly. Overall, this has been a very pleasant experience!
Yuanan D.
Verified Customer
September 2, 2026
Eva made this entire experience very easy and made sure all of our questions were answered. She was incredibly nice and knowledgable about her field. We would highly recommend anyone use her for their finances!
Alex H.
Verified Customer
October 30, 2026
Everything made it grate from the friendly service to the above and beyond hights the team went tru to get the deal done for us as quickly as possible cimplements to kristin for an unforgetable experience
James W.
Verified Customer
September 3, 2026
Un gran equipo! Ven de que forma te pueden ayudar a base de tus documentos y presupuesto también a la realtor muy bonitas personas para acompañarte en este gran proceso
José M.
Verified Customer
October 28, 2026
Joe and team at Lower Llc, communicated clearly and early in the process, foreseeing needs, easy secure documentation submission portal, gave me valuable advice, overall great experience.
Paula
Verified Customer
October 23, 2026