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.
Alisa stayed with us along the way and helped us achieve our goal of our 2nd home! She explained everything along the way and was very communicative.
Christian V.
Verified Customer
September 15, 2026
I truly would double the stars if that were an option... My exper could not have gone better.
Scott H.
Verified Customer
July 4, 2026
Murdock has been our go-to "mortgage man" consistently for over 25 years. He has financed and refinanced our homes and our daughter's homes as well. He goes way beyond just getting us the best rate and mortgage. He cleaned up a credit issue… we didn't know about and takes a genuine personal interest in wanting to know us and our family. I have referred many friends to him over the years and they have all been very pleased. I will continue to refer him!
Chris T.
Verified Customer
August 14, 2026
It was strictly a pleasure conducting business with Nick in our search to find funding for the purchase of a new home in the Atlanta Georgia area. Nick was very professional and personable, as well as very expedient with responses to phone call…s and answers to any questions we asked pertaining to the lending process. We found Nick to be very knowledgeable of the lending process and provided Us with Options which would need our needs. We will not hesitate to recommend Nick to our family, friends and associates. We are incredibly grateful to Nick for the services he rendered as our loan officer. Thank you Nick. Verna and James.
Verna H.
Verified Customer
August 19, 2026
Great job on my loans god bless you for your services
William I.
Verified Customer
July 23, 2026
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