Your one-stop
mortgage shop
From first timers to dream home buyers, we make mortgage easy
As featured in:
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.
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.
$0
in lender fees on every future refinance
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
Don't take
our word for it.
Trusted by 50,000+ homeowners across the country.
This process was seamless. We had a pretty tight closing window and managed to achieve our timeline with room to spare . Both Jeremy and Jenn are very knowledgeable and provide great advice and detail theougho…ut the loan process. We are truly fans aand would highly recommend them for your next loan needs!
Sean F.
Verified Customer
August 16, 2026
communication between all parties concerned with this transaction,
Mario F.
Verified Customer
August 26, 2026
Working with Erick Martinez was an outstanding experience from start to finish. He is extremely knowledgeable, responsive, and truly cares about finding the best solution for his clients. Erick accomplished in just two weeks what three other le…nders were unable to do. He guided us through every step of the process, answered every question with patience and confidence, and made what could have been a stressful transaction feel smooth and effortless. His professionalism, honesty, and dedication exceeded all of our expectations. I highly recommend Erick to anyone looking for a mortgage expert who consistently delivers outstanding results. Thank you, Erick, for making this possible!
Carlos C.
Verified Customer
July 9, 2026
When ever I had questions Jimmy always responded the same
Elliott S.
Verified Customer
August 9, 2026
The communication received from the team was amazing. The patience as well, they worked with us and took the time to explain and answer any questions!
Mayela G.
Verified Customer
September 1, 2026
Eva Was always available to answer any questions . Was very Thorough and walked me through every single process. Such a kind and caring person.
Natalie M.
Verified Customer
August 14, 2026