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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.

home-3-min

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

Amanda was amazing to work with. She responded quickly and answered all my questions, making the complex proces feel smooth. I highly recommend Amanda to anyone looking for a loan officer.

Mary K.

Verified Customer
5.0

I have done 10 different transactions with Murdock over an almost 30 year period. He is smart, meticulous, positive, effective, ethical, loyal....Pick your positive adjective and you have Murdock Richard. I have never done a loan without Murdock and I never will. Sometimes people casually refer to someone as "the best" but I can say with conviction, there is no one better Murdock Richard. My family is blessed to have been introduced to him in 1997. Thank you! Jake

Jake M.

Verified Customer
5.0

Christine expedited approval for my HELOC and delivered my funds in record time. Thank you Christine!

Jeffrey L.

Verified Customer
5.0

Casey explain the process every step of the way & answered every question we had. He was thoughtful of us & we appreciated it.

Kimberly F.

Verified Customer
5.0

Great communication and very professional. It was great to work with Bob.

Leon N.

Verified Customer
5.0

Nicky had confidence in us when we didn't have it for our selves,amazing communication and what a great experience ,she changed our lives forever,thank you Nicky and Pam for everything you guys did for us.i would recommend Nicky's services to anyone,if we can do it anyone can own a home.thanks so very much again for the confidence and your time.we're so happy in our new home!!! The Morrows!!

Eric M.

Verified Customer
5.0

Excellent customer service, great support and communication!

Tiffany C.

Verified Customer
5.0

Melanie and her entire team were great from start to finish. I was very nervous buying my first house, but everything was smooth and timely. Melanie was always there to answer questions, and the team was highly responsive. Forever grateful for your help.

Tara C.

Verified Customer
5.0

Excellent communication and guided us through the loan process with ease.

Sharon K.

Verified Customer
5.0

Great communication, Great knowledge, Great personality, Great personality.

Richard R.

Verified Customer
5.0

Luis is an amazing Loan Officer, kind and respectful as well as Sharp at his Job, great person all around!

Ricardo G.

Verified Customer
5.0

Ernest was very helpful and explained every step of the way with getting a loan. He was very patient and kind. Ernest made this process very smooth. I loved that he was very attentive and always answered any questions i had. I would highly recommend anyone to Ernest.

Aerial S.

Verified Customer
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