Skip to content
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.

home-3-min

Even on Weekends

Text, call, or email your loan advisor 7 days a week. Day or night, on your schedule.

image-Nov-17-2025-04-20-34-4250-PM-min

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.*

0

No lending fees

Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.

0

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

TJ is WONDERFUL to work with. Professional, knowledgeable and a true pleasure to work with. TJ takes the stress out of buying your next home.

Lynda M.

Verified Customer
5.0

Rayma did a fantastic job of communicating with us through the entire proces. She was very kind and supportive which made the process easy. Thank you to Rayma for her diligent work 😊.

Michael T.

Verified Customer
5.0

Everything went as quickly as I wanted it to! I am very impatient and she made sure to get back to me every time I reached out and communicated all we needed to help speed the process up!

Rebecca W.

Verified Customer
5.0

I met Eric Williams at a Sunday Open House (March 2026) in Maumelle. Along with the realtor hosting the Open House, Eric was assisting potential home buyers like myself by providing valuable insight to various mortgage lending programs. He mentioned several mortgage programs that might work for me, but one program in particular piqued my curiosity. The next day, I called Eric to ask additional questions about the program. The program turned out to be the ideal match for me. I was sold on the program and started the procedure to get approved for funding. Through the entire loan process, Eric was a great communicator always keeping me in the loop and was extremely easy to work with. And he is very respectful and courteous. He definitely is a “people person!”Overall, I would describe Eric as “the person” that goes “above and beyond” the idea of helping people. Eric, I can’t thank you enough for all the help you gave me in achieving my dream home.

Louis S.

Verified Customer
5.0

From day one, Mike had our backs with the home loan process. Easy going, respectful, responsive and extremely knowledgeable .. the list goes on and on. We came out of our new home purchase knowing that we were appreciated and very well taken care of with the financial aspect! Cheers to Mike!

Ronald B.

Verified Customer
5.0

Shonna is very knowledgeable and professional, as well as friendly.

Christopher K.

Verified Customer
5.0

You guys made it so easy and seamless

Skylar T.

Verified Customer
5.0

I don’t have enough words to speak on how amazing Cheryl was in the purchase of my home. I thought it was impossible, and it was a goal that I had wanted for several years. When I connected with Cheryl, she set reasonable expectations but was encouraging throughout the entire time. She was patient when we looked through dozens of houses, responsive during crunch times, and supportive when we felt discouraged. Thanks to Cheryl and her team, I was able to close on a home in South Florida in 2026. Cheryl worked with us and made the numbers make sense for my household. I’m so grateful to have been able to have her on our side, and I would HIGHLY recommend her if you’re trying to buy a home.

Victoria H.

Verified Customer
5.0

Amber was very personable and attentive to our needs. She had so much patience with us using some of the applications and we really appreciate her support

Karen A.

Verified Customer
5.0

Lower Mortgage is a great company has a whole but the two main two people I have been working with is Roxan and Daniel . Without these two , I wouldn't have found my dream home but then also the best experience of finding a home so thank you again to Daniel and Roxan. You two were the dream team that made it all possible. I highly recommend anyone who's trying to find a home and don't have all the qualifications to reach out to lower mortgage. They are the best in town. They are local from Broward all the way up to Orlando if you need help finding a home, I'm highly recommend them again. Thank you all for your services.

Kayla S.

Verified Customer
5.0

Exceptional service from start to finish! Patrick was professional, honest, and worked diligently to secure the best mortgage for me.

Peter N.

Verified Customer
5.0

A from start to finish loan officer. Earnest understand the clients and make sure they understand the process

Fittonia G.

Verified Customer
Clear
Selection