Your one-stop
mortgage shop
From first timers to dream home buyers, we make mortgage easy
As featured in:
Lower Rates
Smart technology keeps our costs down so your rate stays low.
Lower Barriers
From first timers to dream home buyers, we make mortgage easy.
Lower Stress
Our team is with you every step of the way, 7 days a week.
No lender fees for life.*
Close your first loan with Lower and you'll never pay lender fees again. Zero origination, underwriting, or processing fees on every refinance after your first loan, for as long as you're a member.
*Not available to Washington consumers. Third-party fees such as title, appraisal, and credit report still apply.
$0
in lender fees on every future refinance
The numbers back it up.
We have the experience and track record to help you win.
50K+
Five-Star Reviews
4.9
Avg. Customer Rating
47
States + D.C.
Licensed
$24B+
Home Loans
Funded
Don't take
our word for it.
Trusted by 50,000+ homeowners across the country.
She answered every question quickly and guided us smoothly through every step
Roberto V.
Verified Customer
September 7, 2026
We are an older couple and not savvy w technology at all. Nikkie was so patient with us! We must've asked her the same questions a hundred times. She never got short with us or seemed annoyed. That in and of itself made everything so pleasant. …She was gracious and kind and above all she worked so hard to get us the BEST possible rate. Buying a home for many is the largest purchase you'll ever make, stressful doesn't even cover it. She made it a smooth & enjoyable process for us. You're in GREAT hands with Nikkie!
Edith L.
Verified Customer
September 7, 2026
Christina Klingman is so very ATTENTIVE and considerate PLUS she is available ALL THE TIME !! weekends, evenings 7 days a week. She is always there to assist and help . When you are a Realtor, like myself, questio…ns, issues, and potential new clients come up all the time, ( and you just CANT WAIT till Monday to get a response) and she is ALWAYS there to work tge deal and walk everyone through the process. If you use anyone else , your just going to get frustrated , Use Christina for a smooth and STRESS FREE mortgage transaction.
Patricia M.
Verified Customer
August 16, 2026
Laura was very communicative and always kept us informed on where we were during the process of purchasing our home. She always answered our questions in a timely and professional manner. We could not recommend Laura and the Lower Mortgage team… more!
Jason R.
Verified Customer
August 27, 2026
Nick is simply the best . I had a great experience.
Emily B.
Verified Customer
July 19, 2026
We love Carla and her team! She was able to answer all of our questions and was ALWAYS available when we needed her.
Wendy E.
Verified Customer
August 24, 2026