Lower Rates. That Simple. | Lower

Buy. Refi. Get Mortgage. Lower rates
That simple

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Today's Lower Rate
Interest rate based on a $ loan amount with a -year fixed rate and APR and $ monthly payment at 75% loan-to-value (LTV) and discount points.*
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Today’s average mortgage rate is .000%. (Bankrate® National Avg.) See how Lower.com stacks up to the average, as well as a few top lenders. Updated daily.

Today's Rates
Lower®
Quicken Loans®
Wells Fargo®
Bankrate® Avg. Current market avg.
.000%

The lower experience.

Get more from your mortgage,
for a whole lot less.

  • Lower rate

    We make lower happen. Lower rates. Lower payments. A better mortgage for less.

  • Quick close

    Apply. Sign. Keys. A super simple experience means we close quickly, too.

  • Easy experience

    Our tech makes it simple. So you get the best, without all the extra cost.

  • Free refi for life

    For a limited time—buy or refi once with Lower.com, then pay no lending fees on future refinances, for life.*

Need an expert? You got one.

How We Do Lower
Shadow Elisabeth

“By far the best customer service.” Tiffany C.

Ever had a bank text you back? Us either. Your loan advisor is just like you, if you were a mortgage expert. So go ahead—text, call or email us at any time for help.

Talk to someone

4.92

1461 | Customer Reviews

98%

Customer Satisfaction 1

Oh stop, we're blushing.

Always available.

Whether it was weekday or weekend, (Halley) was always available to help or answer questions.

Jpbahughes | Portland, TX

Very professional.

Awesome. Very professional. Down to earth. After we get some furniture we might invite (Seth) over for Christmas dinner.

Anonymous User | Glen Burnie, MD

So awesome.

Hillary is so awesome...from our first interaction, she has been great. There to guide me every step of the way.

Saniatkins | Marcus Hook, PA
OK, I'm Ready

We're the real deal.

Work with a team that’s been in the industry for years, developing tech just on the horizon.

We're Top 50 in the Nation.

When the team helping you enjoys their job, they’ll do an even better job for you. Within just one year of launching Lower.com, we were ranked as one of Glassdoor’s Top 50 Mid-Size Companies To Work in the Nation.


Fannie Mae & Freddie Mac approved.

The Federal Housing Finance Agency (Fannie and Freddie) ensures lenders operate with financial safety, are able to raise funds in capital markets, and operate in a consistent manner—and we’ve earned their approval.


260 employees, one central location.

Our real, live Lower HQ is located in Columbus, Ohio. If you get a text, call or email from us, that’s where we are. By keeping operations central, we keep costs and rates down, too!


M-F: 9AM - 6PM | SAT: 10AM - 4PM EST | SUN: CLOSED

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M-F: 9AM - 6PM | SAT: 10AM - 4PM EST | SUN: CLOSED

Please enter your phone number

Please enter your first and last name

Please enter your zip code

Please enter what you are interested in

*By entering your phone number and clicking “Submit” you agree that Lower may call and text you with offers and other information, including through the possible use of an auto dialer and prerecorded messages, at the number you provided. You are not required to consent in order to obtain a loan.

Success!

We'll text you ASAP.

Ready to take another step? Our super simple application takes most people about 7 - 10 minutes. We look forward to chatting with you soon!

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We're sorry, it seems that your inquiry wasn't submitted successfully. Please try again. If you continue to have issues please call the number below.

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