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
Edgard was patient, nice and communicative and answered questions that we had about the process of buying a home and informed us on every step to the end. He really helped us get throug. He is a true professional . Thank you again
Emmanuel B.
Verified Customer
August 23, 2026
Gabby was amazing from start to finish. She was extremely communicative, supportive and always had our best interest in mind. She was willing to thoroughly answer any questions I had throughout the process and helped us close in a quick turna…round of 30 days, even with a government grant included. I would highly recommend working with Lower LLC, and Gabby, specifically. Additionally, the Lower app was super convenient and user friendly to understand where my loan was at every step.
Julie M.
Verified Customer
October 4, 2026
Tony Valdez was professional and always available on text, call, or email.
Idicula M.
Verified Customer
October 15, 2026
Clay was great to work with! He responds quickly and professionally. He also did a very good job of breaking down the details and explaining everything. I would recommend him to anyone!
Joel G.
Verified Customer
September 18, 2026
Ms. Jill, is simply an amazing person, period. From the first phone conversation until the congratulatory phone call, Ms. Jill demonstrated the upmost compassion, patience, and professionalism, I've ever witnessed f…rom an individual. In my 29 years of public service, I've never witnessed such work ethic, not a single phone went unanswered, not one text messages went without a prompt response, I unknowingly called Ms. Jill while she was attending a wedding, even though it was a Saturday, during a wedding, Ms. Jill responded immediately and addressed my concern. In my humble opinion Ms. Jill, demonstrated the passion and commitment we often believe is nonexistent in the world today! Thank you, Ms. Jill, for treating us like family and handling everything with patience and grace. I have and will continue to tell everyone I know about our amazing experience with Ms. Jill and Lower Mortgage. I can whole heartedly say, I would absolutely recommend my experience of assuarance, integrity, and compassion to every single person I know. Ms. Jill, thank you so much for being an awesome human being. You're family in my book and if there's anything we could ever do for you, please let us know. Respectfully, Tim Fletcher 901.647.7056 tfobfd@yahoo.com
Timothy F.
Verified Customer
August 22, 2026
Amanda has been absolutely amazing throughout my home-buying process! She is knowledgeable, patient, professional, and genuinely cares about helping her clients. She takes the time to explain everything, answer all my questions, and make what c…an be a stressful process feel so much easier. I couldn’t ask for a better mortgage loan advisor. Amanda truly goes above and beyond, and I would recommend her to anyone looking to buy a home. She is simply the best!
Koaltn L.
Verified Customer
October 20, 2026
With my undocumented PTSD, she kept on me to get all of the paperwirk completed on time. Everyone through this experience were extremely professional and efficient.
Kenny S.
Verified Customer
September 18, 2026
Lisa was amazing to woek with. She was always on top of everything, making sure that everyone and everything was on schedule. Lisa goes above and beyond for her clients, she treats them like family and is willing to …do whatever she can to help them achive their dream home. This is the third time we have used her as our mortgage lender, and would recommend her to angone and everyone! Closing was a breeze, stress free and made for an amazing day to begin our journey in our new home! Thank you so much Lisa!
Kenneth L.
Verified Customer
September 27, 2026
Travis was great to work with!
Karie K.
Verified Customer
October 12, 2026
It was a very pleasant experience working with Adam. His knowledge about mortgages was very helpful. He is also professional, kind and full of financial wisdom. I would recommend Adam to anyone in need of a home mortgage.
Carlyn R.
Verified Customer
October 4, 2026
Mallory always goes the extra mile on every transaction and makes sure everyone is in the loop and educated
Tasha F.
Verified Customer
August 28, 2026
I truly cannot say enough good things about working with Landon. Our first home contract fell apart due to permit complications and things that were misrepresented in the listing. We were purchasing a property fro…m out-of-state, so being hit with this surprise was extremely confusing, shocking, and really difficult for us to navigate 1000+ miles away. Our first realtor was out of the country and MIA, and we felt completely alone trying to navigate something we really didn't fully understand/ have enough knowledge about. We had never met and still haven't met Landon, but he was truly available for us day and night. He was SO knowledgeable about so many aspects of home buying and became the person we trusted completely in this process above any one else, which is a funny thing to say about a lender and person we've never met in person Ha! We relied on him so far beyond the duties of his job because we really felt and still believe he had our best interest at heart. He was a true advocate for us in an extremely messy situation where we lost faith in everyone involved except for Landon. I really don't know if we would've moved forward with buying a house right now if we didn't have Landon on our side. After that house deal fell apart, Landon walked through many more properties with us until our fourth contract finally wound up being the one. He strategized with us to pick the best possible loan given our financial situation and our goals, and really helped us understand the why behind everything he advised. We love our new realtor, but, because of the long journey to get into a house, it really felt like and still feels like, no one worked harder to get us into a happy home than Landon. We will be lower lending and Landon fans for life!
Drew D.
Verified Customer
November 3, 2026