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Your one-stop
mortgage shop

From first timers to dream home buyers, we make mortgage easy

No-impact credit check. No commitment.
 

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Lower Rates

Smart technology keeps our costs
down so your rate stays low.

Lower Barriers

From first timers to dream home buyers, we make mortgage easy.

Lower Stress

Our team is with you every step of the way, 7 days a week.

Lower Member Benefit

No lender fees for life.*

Close your first loan with Lower and you'll never pay lender fees again. Zero origination, underwriting, or processing fees on every refinance after your first loan, for as long as you're a member.

*Not available to Washington consumers. Third-party fees such as title, appraisal, and credit report still apply.

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$0

in lender fees on every future refinance

 
Why Lower

The numbers back it up.

We have the experience and track record to help you win.

50K+

Five-Star Reviews

4.9

Avg. Customer Rating

47

States + D.C.
Licensed

$24B+

Home Loans
Funded

 
  • 5.0
    3,100+ Reviews
  • 4.9
    2,600+ Reviews
  • 4.9
    4,300+ Reviews
  • 4.9
    43,900+ Reviews
REVIEWS

Don't take
our word for it.

Trusted by 50,000+ homeowners across the country.

Get Started Today
>
 
5.0

Fred was the absolute best! He made our experience purchasing our first home a breeze. He communicated every milestone, was always available for questions, informed us on the process and made us feel very secur. I look f…orward to working with Fred in the future and tefering referring him to anyone I can because everyone should experience the pleasure of working with him! thank you, Fred..for everything!

Kylie D.

Verified Customer

September 16, 2026

5.0

Carla was great through the entire process. She was very helpful and informative. I would reccomend her to anyone building a home. We are very happy to have been able to work with her.

Adrian V.

Verified Customer

July 16, 2026

5.0

Phil is outstanding to work with. He helped so much through the loan process. He's so nice, personable & brings so much knowledge to the table. Highly recommend to all!

Michael N.

Verified Customer

August 21, 2026

5.0

I had an absolutely wonderful experience working with Becky! From start to finish, her professionalism, communication, and attention to detail truly stood out. Becky was always responsive, knowledgeable, and kept me informed every step of the w…ay. She made the entire process feel smooth and stress-free. What impressed me most was how easy Becky was to communicate with. She was quick to respond to questions, followed through on everything she promised, and always made me feel like I was a priority. I would highly recommend Becky to anyone looking for someone who is professional, dependable, communicative, and genuinely cares about providing an exceptional experience. Thank you, Becky, for making the entire process such a positive one!

Kimberlie H.

Verified Customer

August 18, 2026

5.0

I have been a repeat client I've the past 27 years and Murdock Richard has always been very responsive on any questions, expert in his answers, and very prompt and efficient in achieving a great result for me. … He is my "go to" expert on any mortgage finance matter.

Steve V.

Verified Customer

August 14, 2026

5.0

Super quick response time and very helpful

Stephen J.

Verified Customer

July 29, 2026


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