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

Laura was always there from the beginning. She would explain things to us several times until we understood it

Norma V.

Verified Customer
5.0

Shes helped get approved for the host application when they made an error on my application. She's great at explaining everything and how loans work for a first time home buyer!

Derek Y.

Verified Customer
5.0

Wonderful and life-changing

Alexander G.

Verified Customer
5.0

Donna was wonderful to work with from the very beginning! She was always pleasant, professional, and responsive, taking the time to answer all my questions and patiently walk me through the process. She was always willing to run numbers on prop…erties I was interested in making an offer on, helping me make informed decisions along the way. Her prompt responses to my calls and messages, along with her close collaboration with my real estate agent, made the entire homebuying experience smooth and seamless. I truly appreciate her dedication, professionalism, and excellent customer service. I highly recommend Donna to anyone looking for a knowledgeable, reliable, and supportive loan officer!

Mariano H.

Verified Customer
5.0

Working with Nick was a great experience!

Andrew P.

Verified Customer
5.0

Luis Cantu displayed patients to explain (mutiple times) my uncertainities; he also made sure I understood before moving on to the next topic. He described and demonstrated my loan options along with the pros and cons of such. I also appreciat…ed the fact that he was only a text away. He even responded after hours and or on weekends. Thank you, Luis!

Humberto R.

Verified Customer
5.0

Communication was excellent. Tracey and her team made everything super smooth. Wonderful job!

Waylon M.

Verified Customer
5.0

You guys made it so easy and seamless

Skylar T.

Verified Customer
5.0

Buying a home was incredibly easy with the help of Judy ! She helped ease our minds when we had a question or concern on something . Highley reccomend !

Jatthcidy M.

Verified Customer
5.0

Tawna was awesome and helped me every step of the way!

Devon D.

Verified Customer
5.0

Mike's Character truly showed he went above and beyond working with the county (Pinellas Recovers) ensuring everything was done in a timely manner. Greatly appreciate it!

Jeffrey J.

Verified Customer
5.0

Ms. Jill, is simply an amazing person, period. From the first phone conversation until the congratulatory phone call, Ms. Jill demonstrated the upmost compassion, patience, and professionalism, I've ever witnessed f…rom an individual. In my 29 years of public service, I've never witnessed such work ethic, not a single phone went unanswered, not one text messages went without a prompt response, I unknowingly called Ms. Jill while she was attending a wedding, even though it was a Saturday, during a wedding, Ms. Jill responded immediately and addressed my concern. In my humble opinion Ms. Jill, demonstrated the passion and commitment we often believe is nonexistent in the world today! Thank you, Ms. Jill, for treating us like family and handling everything with patience and grace. I have and will continue to tell everyone I know about our amazing experience with Ms. Jill and Lower Mortgage. I can whole heartedly say, I would absolutely recommend my experience of assuarance, integrity, and compassion to every single person I know. Ms. Jill, thank you so much for being an awesome human being. You're family in my book and if there's anything we could ever do for you, please let us know. Respectfully, Tim Fletcher 901.647.7056 tfobfd@yahoo.com

Timothy F.

Verified Customer
Clear
Selection