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5.0
3,100+ reviews
4.9
2,600+ reviews
4.9
9,600+ reviews
4.9
4,300+ reviews
4.9
43,900+ reviews
"Quick and simple."
50,000+ Five-Star Reviews

Only at Lower

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Buy a Home From Your Phone

It's a mortgage application without that "mortgage application" feel.

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Even on Weekends

Text, call, or email your loan advisor 7 days a week. Day or night, on your schedule.

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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.*

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No lending fees

Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.

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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

5.0
Bankrate Logo
3,100+ reviews
4.9
Trustpilot Logo
2,600+ reviews
4.9
Google Logo
4,300+ reviews
4.9
Experience Logo
43,900+ reviews
5.0

He was very knowledgeable in many aspect! i truly feel like he helped me explore my options to get me the best deal.

Jacob C.

Verified Customer
5.0

Stephanie was available anytime to answer any questions & make sure that we understand every step of the process.

Mercedes R.

Verified Customer
5.0

Nikki and Miranda were fantastic!! Any questions we had were answered quickly, kindly, and efficiently + we were kept in the loop every step of the way. So thankful for the guidance provided!

Laura F.

Verified Customer
5.0

Bobby was always available for any questions I had and was more than willing to run different scenarios to come up with the best solution for me. He introduced me to new options to help make my mortgage lower and made sure I fully understood all options. Bobby, walked me through the process step by step and was there when it was time to sign the papers. A++

Turron D.

Verified Customer
5.0

Responsiveness and knowledge along with good judgment call

Vincent S.

Verified Customer
5.0

EXCELLENT PERSON TO WORK WITH AND VERY HELPFULL, MADE A STRESSFUL SITUATION GO VERY EASY.

Vincent H.

Verified Customer
5.0

Great experience and the trust in Logan Judah was tremendous. He was reliable in all forms of communication with us. I would recommend him and Lower Mortgage LLC.

Ken P.

Verified Customer
5.0

Phil went above and beyond to provide personalized advice and took the time to think outside of the box to get us the best situation possible

Meredith W.

Verified Customer
5.0

Jeff was outstanding throughout the entire home-buying process. His knowledge of the mortgage industry is exceptional, and he always took the time to thoroughly answer my questions and explain each step along the way. What stood out most was his commitment to helping me achieve homeownership, while other lenders seemed interested just to close on another loan. From start to finish, Jeff remained responsive, attentive, and proactive, ensuring that every detail was handled and that I made it to the closing table without unnecessary stress. His professionalism, integrity, and genuine concern for his clients reflect incredibly well on the company he represents. Having someone like Jeff on their team is a tremendous asset. I would confidently recommend him to anyone looking for a lender who truly puts their clients first.

Eric D.

Verified Customer
5.0

TJ is WONDERFUL to work with. Professional, knowledgeable and a true pleasure to work with. TJ takes the stress out of buying your next home.

Lynda M.

Verified Customer
5.0

Constant communication with myself and our customers.

Amanda B.

Verified Customer
5.0

Jon kept us informed and made everything go smoothly

Gordon W.

Verified Customer
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