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Interest rate based on a $XXXXXX loan amount with a 30-year fixed rate and X.X APR and $XXX.XX monthly payment at 75% loan-to-value (LTV) and X discount points.*

Today's Rate

X.XXX%

Apply now and we'll cover all lending fees on your refinance.

Expect to save about $1,500 on top of already low rates! If you haven’t taken advantage yet, now’s the time.

Apply now

10,000+ Five Star Reviews

Don't just take our word for it.

See how Lower.com stacks up to the national average, as well as a few top lenders. Today's average mortgage rate is

3.540%

*.

Today's Rates
View APR

Lower®

Above market avg.
Below market avg.
Above market avg.
Below market avg.

2.875%

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.24%
ArrowArrow
.67%

Quicken Loans®

Above market avg.
Below market avg.
Above market avg.
Below market avg.

2.875%

ArrowArrow
.24%
ArrowArrow
.67%

Wells Fargo®

Above market avg.
Below market avg.
Above market avg.
Below market avg.

2.875%

ArrowArrow
.24%
ArrowArrow
.67%
Get Started

Three simple steps to save thousands

Save on your home payment and invest in your family.

“I couldn’t have asked for a better experience with Lower!” 4.9

Step 1

Apply

Tell us about your household finances and current home loan.

Step 2

Qualify

We’ll advise you on your options and help you choose what's best.

Step 3

Save

Get breathing room in your budget and create financial peace.

Apply now

Three options.
All savings.

Oh, and refinance for free. For life.

We call it Free Refi for Life. Buy or refinance once with Lower, and we’ll cover the lending fees on your future refinances, for life.*

Expect to save at least $1,500 every time you refinance. For free. For life. And yeah—for real.
It's all in the Lower app.

Apply now

Refinance what you owe and save thousands.

No lending fees - Ends soon [countdown]
#ProudToBeHome
Apply now
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