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
Responsiveness and getting things completed efficiently.
Ashley E.
Verified Customer
September 24, 2026
My wife and I couldn’t be happier with our experience with Joshua McKenzie and the entire Lower Mortgage team. From the very beginning, Joshua was incredibly professional, knowledgeable, patient, and responsive. He took the time to explain ever…ything clearly, answered all of our questions, and made sure we felt comfortable and confident throughout the entire process. What really stood out to us was how much Joshua genuinely cared about helping us achieve our goals. He kept us updated, stayed on top of every detail, and made what could have been a stressful process feel smooth and straightforward. We always felt like we were in good hands. My wife and I are extremely grateful for Joshua’s hard work and dedication. We would highly recommend him to anyone looking for someone they can trust with such an important decision. Outstanding service, excellent communication, and a truly great experience from start to finish!
Roman S.
Verified Customer
September 10, 2026
Casey Granston at CrossCountry Mortgage made it happen!! I went through 2 other lenders but they couldn't help but Casey was able to make it happen. Will work with him again no questions.
David S.
Verified Customer
September 29, 2026
Jimmy was very professional and responded very quickly to all of my questions. He provided me sound advice and was able to pick up every phone call.
Jackston M.
Verified Customer
October 12, 2026
Communication was great. Everything done in timely matter and if any questions was a le to talk and get guidance on what to do.
Ben G.
Verified Customer
August 18, 2026
I just wanna say thank you so much for the patience and all the help through all this process. We really appreciate you.thank you so much
Aneudy A.
Verified Customer
September 15, 2026
Dante is the greatest! So easy to work with!! This is my third time working with dante and I would never recommend anyone else!
Andrea B.
Verified Customer
November 2, 2026
Fast acting no repeat request for information
Steve N.
Verified Customer
September 30, 2026
Fred is very knowledgable. We appreciated that he was always available to answer our questions.
Sharon H.
Verified Customer
October 28, 2026
Avery was absolutely amazing
Darren S.
Verified Customer
October 26, 2026
Cory and wife help my alot thank you both you guy👍👍👍
Hung L.
Verified Customer
September 19, 2026
Judy definitely went above and beyond for us. We felt like we had an Army at our back with the assistance from her and her team!
Jerry J.
Verified Customer
August 23, 2026