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Mobile MortgagePass, make a cash offer

Make the

ultimate cash offer.1

Finally compete and win with MortgagePass.

Everything for your home, for Lower.

The place to finance, buy, sell, insure or save for a home. Everything you need. One amazing experience. All for less.

Buy a home.


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Today's 15-Year Rate


Today's APR

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Find an agent.

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Home Insurance
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What can we help you Lower today?

“I couldn’t have asked for a better experience with Lower!” 4.9


What can we help you do today?

Get your lower rate.

01. Finance your home.

Refinance with Lower

Lower your monthly payments.

Lower your rate. Change your term. Take cash out to pay off debt. No matter which option you choose, refinancing with Lower can save you money.

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02. Save for a home faster.

Save up.
Earn HomeCash.
Buy home.

Jumpstart your home savings in the Lower app. Save up. Set goals. Stay on track. Build credit. And earn up to $500 HomeCash™ match along the way. All in your FDIC-insured HomeFund™.

0.75% APY



HomeCash™ to help
you buy a home

03. Buy or sell your home.

Get matched with an agent and save.

Your Lower real estate agent is your key to uncovering hidden savings. Whether you’re buying or selling, they’ll help you navigate the real estate market and show you exactly what you need to do to get the best deal possible.

04. Insure your home.

Interior of home - Insurance
$83.75 / mo

Home Insurance  |  High Coverage

$65.25 / mo.

Home Insurance  |  Med. Coverage

Save an average of 28% on your monthly premiums.

We do the home insurance shopping for you. Enter your info, then browse quotes from over 35 carriers. Once you’ve found your maximum savings, we’ll get everything connected.

See how it works

“The best experience I’ve ever had.”

4.9 / 5

Great Refi experience.

Process was remarkably easy and fast. Best mortgage/refi experience we have ever had. No hassles and excellent customer service! We will definitely recommend them to our friends and family.

5.0 / 5

Lower was phenomenal!

I shopped around with four other lenders in regards to refinancing our home, and Lower was exceptional. Matt was the most professional, knowledgeable, and able to get our family the lowest interest rate with the cheapest fees. The entire process was effortless and very fast! I would highly recommend Matt and Lower with all closings.

4.9 / 5

The entire process was very easy.

They had good technology in place for review and signing of documents. The coordination to make sure I was kept informed was very good. I would definitely recommend them and have recommended my agent to others who would be interested in refinancing.

4.9 / 5

Awesome experience!

This has been the easiest and quickest refi I have ever done. Sam was very knowledgeable and helpful and spoke to me in layman terms so I understood everything. He had no issues calling me back numerous times to answer my husbands questions and would get back to me very quickly.

How can we
help you save?

Only at