Skip to content
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

cashout3-min

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.

image-Nov-17-2025-04-20-34-4250-PM-min

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.*

0

No lending fees

Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.

0

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

Working with Erick Martinez was an outstanding experience from start to finish. He is extremely knowledgeable, responsive, and truly cares about finding the best solution for his clients. Erick accomplished in just two weeks what three other lenders were unable to do. He guided us through every step of the process, answered every question with patience and confidence, and made what could have been a stressful transaction feel smooth and effortless. His professionalism, honesty, and dedication exceeded all of our expectations. I highly recommend Erick to anyone looking for a mortgage expert who consistently delivers outstanding results. Thank you, Erick, for making this possible!

Carlos C.

Verified Customer
5.0

The transaction was very smooth. Made it just as simple and easy as possible. Fit with my schedule so well.And I greatly appreciate all that they've done.

Marshall B.

Verified Customer
5.0

Very helpful and great communication from start to finish.

Jack F.

Verified Customer
5.0

Gracias a Erick Rodriguez porque el habla nuestro idioma español fue más fácil para nosotros completar esta compra Gracias por todo

Angel U.

Verified Customer
5.0

Sarah was amazing tons of help and made everything everything go way smoother

Cole J.

Verified Customer
5.0

Ruth was absolutely amazing, I started working with her prior to moving to Knoxville so I would know my options, she listented to what I was looking for, took notes to look into things I asked about and then with my options guided me in the right direction. During my first offer experience in Knoxville she and my agent Sydney took care of things for me so I wasn't bothered or stressed because we had run into a few hiccups with the house and other sellers agent. Ruth always had a listing ear any time I needed it and I appreciate her more than she probably knows. She also gave me an awesome painting of my new home at my closing which was extremely thoughtful. I would recommend her over and over again!

Kaci A.

Verified Customer
5.0

Patrick was incredible to work with throughout my mortgage process. He was literally just a text away whenever I had a question, and I couldn’t have asked for someone more responsive or communicative. He kept me informed every step of the way and even reached out whenever he found a better option for me. Patrick truly had my best interests in mind from start to finish. His entire team was also friendly, knowledgeable, and incredibly helpful, making what could have been a stressful process feel seamless. I highly recommend Patrick and his team to anyone looking for a mortgage broker who genuinely cares about their clients.

Melissa M.

Verified Customer
5.0

Stephen and his team were awesome! We had a quick close and everything went smoothly. Stephen is very knowledgeable and responsive and easy to work with.

Robyn O.

Verified Customer
5.0

Tim was a very plesant guy to work with! He made everything very easy! Would recommend him to anyone!

Lynnley B.

Verified Customer
5.0

i was referred to Jacqueline by a local Realitor I had met when i Started house shopping. From start to finish she was spectacular! she communicated with me the entire time even on weekends and her vacation..this type of exceptional service is going away these days and im incredibly greatful for the work Jacqueline put in so I could close on my first house!

Jacob H.

Verified Customer
5.0

Carla was very reseptive to our questions and concerns. she helped clarify the complicated process throughout this journey. thank you

Maria V.

Verified Customer
5.0

If you are looking to buy a house, Terri Cagle should be you're 1st call. She will guide you through the home buying process with her knowledge with ease. I highly recommend Terri Cagle, don't settle for a local business that tries to make all their money off one transaction, go with this professional woman that cares about her profession and her customers. She is amazing and made my home buying experience exceptional.

Jesse B.

Verified Customer
Clear
Selection