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
Deanna was very knowledgeable. Answering our questions made us very comfortable. As always returned our calls in a reasonable timeframe. Very pleased. Would recommend. Thank you Ron & Donna Johnson
Ronald J.
Verified Customer
September 6, 2026
As a real estate broker, I have the opportunity to work with many lenders. I also have a background in mortgage lending, which gives me a unique “big picture” perspective. Alisa is a first-class person and consummate professional. She cares for… her clients in a way few other lenders do. She is an excellent communicator, unbelievably thorough, and always honest in her dealings. She has my highest recommendation!
Daniel P.
Verified Customer
August 14, 2026
Tony is a true professional, providing information and wonderful service at all times. He was available when I needed him to be and he took care of my father and I exceptionally. A true consummate loan officer of Lower Mortgage and the industry….
Gabriel D.
Verified Customer
August 14, 2026
Prompt response, professional.
Gertrudis P.
Verified Customer
September 1, 2026
To be absolutely fair; our overall experience was not just with Lower. It included our interface with the Lender, which was in fact just ok. Our experience with Lower was excellent.
Chuck P.
Verified Customer
September 11, 2026
Tracey provided a unique loan service to a my client who wouldn't have been able to get the home she wanted without the renovation loan. Her team was thorough, prompt and helpful all along the process.
Carly C.
Verified Customer
August 6, 2026
Erick is amazing he has helped us twice now and always is great. he guides us though the whole process and is very knowledgeable in his work. So helpful and transparent no surprises. Go to Erick for all your needs!
Katiuska P.
Verified Customer
September 30, 2026
The entire time that I have interacted and done business with Monica has been absolutely amazing. Monica is very knowledgeable and most importantly patient. Myself and my 2 children have all done business with Monica and look forwa…rd to doing business in the future.
Erica J.
Verified Customer
July 23, 2026
Ashley and her team are amazing!! very helpful will and would refer others 100%. 😇 🙂
James G.
Verified Customer
September 30, 2026
I couldn't of asked for a better person to do all this for us always available ready to help whenever and be nicest person ever thank you the best
Anthony J.
Verified Customer
August 14, 2026
Tawna is awesome! Very knowledgeable and she works exceptionally hard for her clients. I highly recommend her as a lender.
Jeff B.
Verified Customer
September 29, 2026
He's always gone the extra mile for me and all my clients. We've succesfully closed over 100 deals in the last several years and he's never let me down. He's saved countless deals that were dead and revieved many that were lost to other lenders… shortcommings. His best asset is his communication, always undating and keeping all concerned in the loop. He's always available nights and weekends and truly goes the extra mile on every transaction. Save yourself the heartache and call him first. Thanks Dave for protecting me and all of my clients. Your one of a kind!
Brad M.
Verified Customer
August 21, 2026