A modern homeownership platform

Lower was founded on a simple belief: homeownership is one of the most powerful ways people build long-term wealth.

That belief comes directly from Lower’s co-founder and CEO, Dan Snyder. In his mid-20s, Snyder started his first business not because it was scalable, but because it enabled him to buy his first home. That experience shaped his conviction that access to homeownership can change lives.

In 2014, Snyder and his co-founders launched Lower to challenge an industry that was expensive, fragmented, and slow to evolve. The goal wasn’t simply to digitize mortgages, but to rethink the system around them. Operating at the intersection of lending, technology, and real estate, Lower brings together the tools, people, and partnerships needed to support the homeownership journey end to end.

We've since grown in a national brand with branch locations across the country. That means we've got hundreds of experienced loan officers ready to meet your unique mortgage needs.

Lower is not just a digital lender, and it’s not just a retail lender. Since we've brought on the national real estate platform Movoto, we're a platform designed to serve different buyers, markets, and moments - without forcing a one-size-fits-all mortgage experience.