Your one-stop
mortgage shop
From first timers to dream home buyers, we make mortgage easy
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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.
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.
Working with Sean was a great experience! He made the home-buying process smooth and easy to understand, was always responsive, and helped us every step of the way. Thank you! :)
Kristina C.
Verified Customer
August 2, 2026
Thank you for all you did for us!
Emily B.
Verified Customer
September 4, 2026
Rema gave us the absolute best she could've given, and she even went over and above to make sure we had a moving company on the day of our signing since we were without anyone to help us to move our home to the new house. We are grateful and th…ankful for all that she did for us.
Henry V.
Verified Customer
September 24, 2026
It is our third house we purchase thru Leslie; they make feel as a part of the family. They walk you thru the whole process explaining every step and answering every question no matter how silly could be. Great team, excellent customer service,… going the extra mile to make the experience less stressful and more pleasant. We recommend 100% their services and looking forward to work with them. Keep up the good work. Thank you again for all your hard work.
Gerardo G.
Verified Customer
September 27, 2026
Danny Rubio and lower mortgage were incredible, helpful, responsive, and got me the best rate possible on my mortgage
Sean S.
Verified Customer
September 24, 2026
Erica was wonderful, she walked us through every detail of our loan and never skipped debate. She was a pleasure to work with.
Cynthia M.
Verified Customer
July 17, 2026