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
Great communication Very friendly and professional Made the entire process quick and easy
Joel S.
Verified Customer
June 25, 2026
I had the pleasure of working with TJ recently on two transactions. TJ has ALWAYS been a great lender, well respected in our community, communicates to all parties involved in a timely manner and helps each client understand all their options. She is patient and very knowledgeable. I would recommend TJ for any client looking to purchase a new home or to refinance a mortgage loan.
Christina K.
Verified Customer
July 29, 2026
Excellent service from start to finish.
Asucena C.
Verified Customer
June 24, 2026
Jacki was VERY informative and helped explain things in a way that I would understand. She had my best interest in mind and was very sweet and welcoming from the beginning! I can't thank her enough!
April W.
Verified Customer
June 25, 2026
Shonna and her team are excellent to work with . Everyone involved was punctial and quick to respond to any questions or concerns I had for them . I am very happy we decided to go with Shonna and her team of experienced professionals.
Timothy B.
Verified Customer
July 17, 2026
I could not be happier with the service I received. Steve answered every time I called and was absolutely wonderful to work with on my loan. Will recommend Lower Mortgage every chance I get.
Carla M.
Verified Customer
June 17, 2026
Very helpful and knowledgeable on everything we needed to proceed and finish with our home greatly appreciate all of Graham's help
William T.
Verified Customer
June 18, 2026
Nikki was very kind , thoughtful and always was available to answer questions for me and if there was anything she didn't know, she would get the answer for me.
Tristan B.
Verified Customer
May 27, 2026
Phil is very knowledgeable and helpful. Was always available to answer any questions we had throughout the loan process. This is our second loan in 3 years with Phil and would not hestitate to use him again and recommend him to others.
Lisa T.
Verified Customer
June 16, 2026
Consistanly excelent at what they do
Denny Y.
Verified Customer
July 2, 2026
Bob was very helpful when being asked questions and his communication was always clear and timely.
Ray J.
Verified Customer
June 9, 2026
Rick makes the loan process so easy. He is very communicative and positive in every interaction. This is our second time using Rick for a mortgage and he is great!
Robin T.
Verified Customer
June 19, 2026