Start your next renovation or pay off debt.
Transparent terms, competitive loans, & clear, personalized support every step of the way.
Refinance confidently at a lower rate in just a few clicks.
Pay off high-interest debt, renovate your home, save up for college, prepare for retirement, and more.
Act quickly and confidently no matter where you are when your dream home hits the market.
Super simple. Lower rate. Dedicated mortgage expert. Get a home loan you’ll actually love.
It’s a mortgage application without that “mortgage application” feel. Apply in 3 mins or less.
Text, call, or email your loan advisor 7 days a week. Day or night.
We use all our creative might to build the best loan, at the best price, just for you.
Buy or refinance once with Lower, and we’ll cover the lending fees on your refinances, for life.*
Lower helped our family with a HELOC and was extremely friendly, knowledgeable, and responsive. Despite a rapidly changing market, he guided us every step of the way.
Lower.com helped lead us through the process of refinancing and HELOC. There were times when it got a little overwhelming, but Lower always stayed right on top of things and kept us informed...
The whole process from start to finish was easy with Lower.com. My lender was always there and answered any questions I had and made it work for me to close.
Lower was able to get me approved and in my new home as a first time homebuyer with hardly any issues. My Loan Advisor answered all my questions, and kept me informed throughout the process. Highly recommended!
Connor was amazing throughout the entire cash out refinance process. He always kept us up to date with everything going on. He also always made sure he was available to answer any question we might have had.
Did all communication through text message. Signed all documents through an online portal. Easy. Loan just moved into processing phase. Everything is moving very quickly...
The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.
My husband and I were extremely happy working with Patrick Martin and thanks to Lending Tree we were connected to Patrick. He made everything easy. He's highly knowledgeable and obviously cares about his customers. We highly recommend Lending Tree and Lower.com Because of them we are finally debt free!!
What really made me decide to give my business to Lower.com was the amazing job Andi did while working with me from the first call up until closing day.
My score wasn't the best but Adam was pretty confident he could work something out and this was after being told no by other lenders. I didn't get my hopes up but to my surprise I was approved!
I was very happy with Lower and the entire refinancing experience. You can tell Lower really cares about the customer and wants to make the experience as good as possible for the customer."
The process was so easy. It was also easy to upload all the required documents to the portal. Jake was available and answered all my questions promptly. I was approved in just a few days.
This was our 8th mortgage closing and it was by far the easiest!! We had never done a virtual closing and it was smooth as silk from the comfort of our couch at the time of our choosing! The whole process was very easy to follow and understand.
This is my 2nd refi with Matthew Mikel! He is excellent. He is responsive and informative. He is calm and re-assuring. And a bonus, he knows what he is talking about. He can be creative and explain things to you in a way they make sense. Thank you Matthew - we appreciate your service and would definitely recommend you again. Additionally, when it's time to purchase our next home, you will be our first call!!!
The process was easy. Arianna Graves worked very fast to get my loan closed in record timing! I was very impressed with the time. They're rates were excellent!
Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.
Buy now or refinance now and know you can lower your rate later with peace of mind.