Your one-stop
mortgage shop
From first timers to dream home buyers, we make mortgage easy
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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.
Luis was the best when it came to helping us throughout the whole loan experience. Any question we had he was just a phone call or text away! 10/10 would recommend!
Ashlley P.
Verified Customer
August 21, 2026
Jon was recommended by a realtor friend. He was way better than working with the big bank lenders. Jon's attention to detail and being on top of it always, made it great. He was always prepared, was quick to turn documents around. My closing wa…s flawless because Jon and his team had it all finalized 80% the day before. A few wet signatures on closing day and we were done.
John J.
Verified Customer
October 10, 2026
Scott was very patient and attentive to us even when we had some questions that bothered us during the process. Glad we had him to work with us. Looking forward to future work together.
Opeyemi O.
Verified Customer
July 26, 2026
Jeff was amazing and so very helpful throughout the process.
Brooke T.
Verified Customer
September 6, 2026
Brian remained friendly, professional, and responsive throughout this process. Of the three homes I have purchased in my life, this was the smoothest process I have experienced.
Lindsay D.
Verified Customer
August 27, 2026
He was really knowleage it was couple error they did at the beginning like the origination loan at 5% but he corrected and everything el was smoot h
Lismary R.
Verified Customer
July 31, 2026