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.
Was responsive and answered all my questions pleasure to do business with
Todd S.
Verified Customer
September 28, 2026
John was communicative, informative and honest. He responed quickly, and entertained all of my questions with patience and expertise. When I shopped for a quote, John beat the big-box lenders numerically, and with integrity. He made my first ho…mebuying experience as easy as it could be.
Michael D.
Verified Customer
July 22, 2026
My home buying experience with Melissa McGlinchey was great because of Melissa's high level of expertise. Not only is Ms. McGlinchey an expert in her field when offering assistance to complete the loan application … but she is also very relatable and personal with her help. Ms. McGlinchey made a potentially stressful process a very pleasant one for me. I am most appreciative of Ms. McGlinchey's time and efforts and would highly recommend her to others for their home buying needs.
Kecia W.
Verified Customer
August 24, 2026
Best experience flawless execution!
John M.
Verified Customer
July 30, 2026
I am incredibly grateful to Irma for how smoothly she managed my loan from day one. From my initial inquiry to the final funding, she handled the entire process with complete professionalism and efficiency. What really set Irma apart was her gr…eat communication and fantastic sense of humor. Mortgage paperwork is notoriously dry, but she kept the mood light and stress-free while still executing every detail flawlessly. She answered all of my questions clearly, kept me updated at every milestone, and genuinely cared about getting everything done right. I deeply appreciate her hard work and highly recommend Irma to anyone looking for a lender who is exceptionally competent but also great to work with
Noah M.
Verified Customer
August 4, 2026
It was a highly positive experience for me because Doug was consistently available. Regardless of the time of day, he always answered my calls. Additionally, he arranged to cover the cost of my appraisal, regardless of the amount. I truly appre…ciate any form of assistance, and I am especially grateful to Doug and his colleagues for their support throughout the home purchasing process.
Koreena B.
Verified Customer
September 6, 2026