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Unlock your equity.

Start your next renovation or pay off debt.

Your mortgage,
your way.

Transparent terms, competitive loans, & clear, personalized support every step of the way.

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Apply in 3 minutes
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Refinance

Lower your monthly payments.

Refinance confidently at a lower rate in just a few clicks.

  • Competitive, low rates
  • Close in as little as 21 days
  • No-appraisal options available

Ready to get started?

HELOC

Access equity.

Pay off high-interest debt, renovate your home, save up for college, prepare for retirement, and more.

  • Access up to 95% of your home's value
  • Close in as little as 14 days
  • Flexible payments and terms

Ready to get started?

Buy a home

Make an investment.

Act quickly and confidently no matter where you are when your dream home hits the market.

  • First-time homebuyer friendly
  • Close in as little as 14 days
  • Advisors available nights and weekends

Ready to get started?

Verified Top Mortgage Lender

4.9/5
Based on 1,475 reviews
4.9/5
Based on 1,475 reviews
4.9/5
Based on 1,475 reviews
4.9/5
Based on 1,475 reviews

Mortgage

A home owner chatting to a friendly Lower.com loan advisor about taking out equity in her home. "You're approved"A home owner chatting to a friendly Lower.com loan advisor about taking out equity in her home. "You're approved"

magic.

Super simple. Lower rate. Dedicated mortgage expert. Get a home loan you’ll actually love.

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35,000+ Five-Star Reviews

Exceptional service
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Free Refinancing for Life*

Worry-free financing
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Lightning-Fast Application

It doesn’t get any easier
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Germain, a helpful loan officer ready to help you buy a home or refinance.A friendly lower.com mortgage loan advisor, ready to chat and help you buy a home.

Hey, we're Lower.

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Chat bubble: "we found a product to save you money"Chat bubble: "we found a product to save you money"
Lower.com—Top Mortgage Lender
4.8 / 5
First time homebuyer receiving a mortgage update on her phone.
Featured on
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First time homebuyer receiving a mortgage update on her phone.

Let’s make this decision your best one ever.

Our technology and people work together to create a simple, connected experience—led by your very own expert. It’s the perfect balance to make sure this decision is your best one ever.

Get started today
Top Mortgage Lender
4.8 / 5
“Quick and simple.”
XX,XXX+ Five-Star Reviews

Only at Lower

Buy a home

From your phone.

It’s a mortgage application without that “mortgage application” feel. Apply in 3 mins or less.

Hand holding a phone applying for a mortgage through Lower, lightning fast.

No commitment. See if you qualify.

A father and son laughing together

Even on weekends.

Text, call, or email your loan advisor 
7 days a week. Day or night.

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Pro advice

Refreshingly real.

We use all our creative might to build the best loan, at the best price, just for you.

A friendly Lower.com mortgage loan advisor.
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Refinance for free. For life. 🤘

Buy or refinance once with Lower, and we’ll cover the lending fees on your refinances, for life.*

Hey, nice rate.

Term
15-Year Fixed
Rate
X.XXX%
APR
X.XXX%
Term
30-Year Fixed Popular
Rate
X.XXX%
APR
X.XXX%
Looking for custom terms?
Let’s find the right product for you.
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7 min read

What Goes Into a Mortgage Payment

A man working in a garden

Fully vetted & approved.

Direct to you.

We’re certified direct to “Fannie and Freddie” which means we’re continuously vetted and approved by government-backed institutions, resulting in more loan options, better rates, and more peace of mind.

Lower.com—Top Mortgage Lender
4.8 / 5

Don't take our word for it.

Great Company to Work With

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.

Dakota M
Trustpilot Review

Definitely recommend!

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...

Gina S
Trustpilot Review
A happy Lower.com customer

Great company to work with

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.

Heather B
Trustpilot Review
A happy Lower.com customer
A happy Lower.com customer

Had a great experience with Lower!

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!

Thien D
Trustpilot Review

Amazing Service

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.

Mia M
Trustpilot Review

Easiest refi ever

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...

Greg A
Trustpilot Review
A happy Lower.com customer

Highly recommend!

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.

Ranae T
Trustpilot Review
A happy Lower.com customer

XX,XXX+ five star reviews and counting.

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!!

Tina
LendingTree

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.

Cristhtian P.
Google Review

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!

J.
Google Review

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."

Marchelle B.
Google Review

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.

Jo
Zillow

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.

Stephanie W.
Zillow

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!!!

Gina
LendingTree

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!

Shalette
Verified
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A video review from Paul M. who was very happy with his refinance experience
Paul M.
Lower.com Refinance

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.

Apply today
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