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All Loan Options

Find a loan that meets your needs.

Whether you're looking to buy, lower your rate, or use your equity, Lower has options for you.

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No-impact credit check. No commitment.
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A man, woman, and child smile while moving into a new house.
Purchase

Buy a Home

Flexible conventional loans, accessible FHA mortgages, VA loans with no down payment, jumbo loans for high-cost homes, and more.

See Your purchase options >
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Home Equity Loans

Tap Into Equity

Choose between a fixed-rate, lump-sum home equity loan for large sums, or a revolving HELOC for flexible access to funds.

See How Much You Can Access >
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Refinance

Lower My Rate

Refinance to lower your rate, change your mortgage terms, or even access your equity through a cash-out refinance.

Find out more about refinancing >

Learn More About Our Loan Options

For buying a home

Conventional loans are the most common type of home loan. They come with built-in flexibility, and down payments as low as 3% if you're a qualifying first-time homebuyer. They can be used to purchase both primary residences and second homes.

But those aren't the only option for buying a home.

FHA loans: FHA loans have more flexible credit score and down payment requirements. We follow the agency guidelines for minimum credit scores and down payments, so you might qualify with a credit score as low as 580. 

VA loans: VA loans feature competitive rates and no down payment requirement for eligible veterans.

Jumbo loan: Jumbo loans let you borrow above your county's conventional loan limit.

For lowering your rate

Rate-term refinance: A rate-term refinance replaces your mortgage with a new one. It can be useful if you're looking to take advantage of lower rates, or if you want to change your loan terms and save money on interest in the long run.

Cash-out refinance: A cash-out refinance replaces your mortgage with a new, larger loan and lets you access a portion of your equity. 

For accessing your equity

A cash-out refinance isn't the only way to access your equity. If you're looking to consolidate debts, fund major home renovations, or pay for other life expenses, we have home equity options for you.

HELOC: A HELOC is a revolving line of credit secured by your home. Think of it like a home-backed  credit card, just with a typically lower rate and a much higher limit. A HELOC is a strong option if you need flexible access to equity for phased expenses.

Home Equity Loan: Need a lump sum for one-time debt consolidation or a big project? Look no further than a home equity loan. Home equity loans have fixed rates, meaning you'll have predictable payments throughout the life of the loan.

Work with a Lower Advisor to get personalized loan options

1

Get Started

Take 3 minutes to complete our online application, and we’ll connect you with the best financing option for your needs.

2

Customize Your Options

We’ll schedule a quick call with one of our expert loan advisors to help find the loan solution that’s right for you.

3

Access Your Financing

Your dedicated loan officer will guide you every step of the way, helping you complete the loan process quickly and confidently from home.

Let's Go >
No-impact credit check. No commitment.

30,000+ five star reviews and counting.

Check ‘em out on: Trustpilot | Google | Zillow | Bankrate

5.0

had to delay the closing due to the appraiser, not being responsible with his time or his levels of photography. However, Gavin did come to the closing and he did take off money to help with the situation. I would still send others to Gavin. d…o not believe this was Gavin's fault however it was the companies sub choice. I also understand he has been taken off of the list for the future, and it will not happen again. did have to take an additional day off of work to move the closing. communication was excellent.

Jennifer C.

Verified Customer

September 12, 2026

5.0

Sean was incredibly professional and friendly throughout our entire process. I was a FIRST time buyer and had an immense amount of questions that Sean was able to answer to put me at ease. For any of your mortgage questions or concerns I’d hi…ghly recommend working with Sean. I’ll be using him again the next time I buy or refinance!

Charles F.

Verified Customer

October 12, 2026

5.0

Tawna is amazing to work with. She communicates consistently, problem solves and is ready to close on time. I love working with her and refer her all the time. She has great programs for first time home buyers and knows her stuff!! I love her c…reativity to get the job done.

Lanae D.

Verified Customer

August 27, 2026

5.0

Very kind and straight forward. Kept up communication and let us know everything we needed. Highly recommend and would go through her again if we ever need to refinance again.

Charles E.

Verified Customer

September 25, 2026

5.0

Tracey provided a unique loan service to a my client who wouldn't have been able to get the home she wanted without the renovation loan. Her team was thorough, prompt and helpful all along the process.

Carly C.

Verified Customer

August 6, 2026

5.0

Great experience and the trust in Logan Judah was tremendous. He was reliable in all forms of communication with us. I would recommend him and Lower Mortgage LLC.

Ken P.

Verified Customer

August 21, 2026

5.0

Mrs. Floyd made the whole process as simple and easy as possible. Any questions I had she answered with the quickness, she took the time to explain every little process to make sure I understand what was going on, and just went above and beyond… finding me the best rates for everything and stayed up to date for everything till the closing day. I definitely felt very well taken cared of throughout the whole process and great appreciate everything she has done for me. HIGHLY RECOMMEND!!!

John C.

Verified Customer

September 18, 2026

5.0

Fred was the absolute best! He made our experience purchasing our first home a breeze. He communicated every milestone, was always available for questions, informed us on the process and made us feel very secur. I look f…orward to working with Fred in the future and tefering referring him to anyone I can because everyone should experience the pleasure of working with him! thank you, Fred..for everything!

Kylie D.

Verified Customer

September 16, 2026

5.0

She worked with me and my crazy work schedule and communicated through text with me because of my job

Chad B.

Verified Customer

October 6, 2026

5.0

Landed provided a wealth of experience and offered valuable advice and options when presenting them multiple avenues for pursuing a home loan. I greatly appreciated having him on my side.

Christine H.

Verified Customer

August 20, 2026

5.0

I couldn't of asked for a better person to do all this for us always available ready to help whenever and be nicest person ever thank you the best

Anthony J.

Verified Customer

August 14, 2026

5.0

made it? A great experience was that my advisor was experienced and had expertise in handling the necessary documents.

James L.

Verified Customer

August 21, 2026

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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.

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Worry free

Buy now or refinance now and know you can lower your rate later with peace of mind.

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