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Your one-stop
mortgage shop

From first timers to dream home buyers, we make mortgage easy

No-impact credit check. No commitment.
 

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.

Lower Member Benefit

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

 
Why Lower

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

 
  • 5.0
    3,100+ Reviews
  • 4.9
    2,600+ Reviews
  • 4.9
    4,300+ Reviews
  • 4.9
    43,900+ Reviews
REVIEWS

Don't take
our word for it.

Trusted by 50,000+ homeowners across the country.

 
5.0

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
5.0

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
5.0

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
5.0

Jeff was amazing and so very helpful throughout the process.

Brooke T.

Verified Customer
5.0

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
5.0

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
Clear
Selection