Lower Rates. Lower Payments. A techy lender that loves lower

Lower is a DBA of Homeside Financial, LLC.

*This offer is not guaranteed if you do not continue to meet Lower’s criteria and other factors bearing on your credit worthiness (including acceptable property collateral, income and employment history). Not all applicants will qualify for the rate and monthly payment shown. Monthly payments do not include property taxes, property insurance, and homeowners association dues. Your exact loan's interest rate and payments will depend upon the term of your loan, your credit history, and other qualifying factors. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Lower’s underwriting and Investor requirements. Loans valid for the refinance or purchase of an owner-occupied residence. Loan amounts range from $100,000 to $200,000, or at or under conforming loan limits within your state and county. Rate subject to change depending time of rate lock. Call 844-645-6937 for exact details and qualifying information.

*This offer is not guaranteed if you do not continue to meet Lower’s criteria and other factors bearing on your credit worthiness (including acceptable property collateral, income and employment history). Not all applicants will qualify for the rate and annual savings shown. Monthly payments used to calculate savings do not include property taxes, property insurance, and homeowners association dues. Your exact loan's interest rate and payments will depend upon the term of your loan, your credit history, and other qualifying factors. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Lower’s underwriting and Investor requirements. Loans valid for the refinance of an owner-occupied residence. Loan inputs made by prospective customers assume the same qualification criteria as our example given to depict daily rate (Based on 75% property loan to value, primary residence, 30 year fixed interest rate, disclosed discount points and APR, 740+ FICO score, and property loan amount at or under conforming loan limits within your state and county). Rate subject to change depending time of rate lock. Call 844-645-6937 for exact details and qualifying information.

Offer not valid for subordinate or simultaneous closings and only applicable for first lien mortgage loans. All applications are subject to underwriting and credit approval. Other restrictions may apply. Call for complete details.

*Lower is a trademark of Homeside Financial, LLC. Sample rate as of . Interest rate based on a $ loan amount with a -year fixed rate and APR at 75% loan-to-value (LTV) is a monthly payment of $ with discount points.

*Quicken is a trademark of Quicken Loans Inc., a subsidiary of Rock Holdings Inc. Sample rate as of . Interest rate based on a $ loan amount with a -year fixed rate and APR at 75% loan-to-value (LTV) is a monthly payment of $ with discount points.

*Wells Fargo is a trademark of Wells Fargo. Sample rate as of . Interest rate based on a $ loan amount with a -year fixed rate and APR at 75% loan-to-value (LTV) is a monthly payment of $ with discount points.

*Bankrate is a trademark of Bankrate. Sample rates as of . According to Bankrate’s latest survey of the nation’s largest mortgage lenders, the benchmark -year fixed mortgage rate is percent with an APR of percent.

*Offer not valid for subordinate simultaneous closings and only applicable for first lien mortgage loans. Offer exclusively waives Lower retained fees, to include: origination, underwriting, processing, or administrative fees. Offer not applicable for discount points, or any third-party settlement service fees, such as Title, Settlement, Appraisal, Credit report, Commissions, or other similar settlement provider fees. Customer must have closed previous refinance transaction with Lower at least six (6) months prior to any subsequent applications. All applications are subject to underwriting and credit approval. Other restrictions may apply. Call for complete details.

¹ Customer satisfaction based on survey completed after application.