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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.
A man and a woman smiling in front of a house.
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
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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
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No-impact credit check. No commitment.

30,000+ five star reviews and counting.

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

5.0

Doug and his team made the entire home buying process feel simpler and more straightforward. His communication is excellent and he is readily available to answer any questions we had.

Wingobball

Verified Customer

July 25, 2026

5.0

Dyan and Logan both were amazing, when we felt like we had been fully let down my husband found these two. Although it was literal “h*ll” to get the process down they worked day and night weekends and all to make sure we were able to get our dr…eam home.

Britney N.

Verified Customer

August 23, 2026

5.0

Alisa stayed with us along the way and helped us achieve our goal of our 2nd home! She explained everything along the way and was very communicative.

Christian V.

Verified Customer

September 15, 2026

5.0

Isabel has been delivering excellent customer service not only on being friendly and empathetic, but also on knowing her job and service in-depth, listening carefully to understand customers' needs in a timely matter.

Irina N.

Verified Customer

September 23, 2026

5.0

Jill went out of her way to make our home purchase possible, and made my wife and I very comfortable through the process.

Ethan F.

Verified Customer

September 15, 2026

5.0

Simply the best!! Highly recommend Gabriella and her team!!

Matt S.

Verified Customer

September 26, 2026

5.0

Quiero agradecer de corazón a Erick por todo el apoyo que me brindó durante el proceso de comprar mi casa. Desde el principio siempre estuvo pendiente de mí, me explicó cada paso con mucha paciencia y nunca dudó en ayudarme cuando tuve alguna p…regunta. Me hizo sentir acompañado y tranquilo durante todo el proceso. Estoy muy feliz y agradecido por haber contado con su ayuda. ¡Gracias por hacer parte de este momento tan especial para mi familia! 🙏🏡❤️

Jefferson S.

Verified Customer

September 22, 2026

5.0

Tonya always pays attention to details. I can trust what’s she is telling me and I know she will walk me through the process to a successful closing. My clients and I know she is the utmost professional.

Cathy G.

Verified Customer

September 12, 2026

5.0

When things weren't going right and i was stressing out she reassured me not to panic that things would work out. Even when I wanted to completely breakdown and contacted her late at night she was nice, kind, and calming never turnin…g me away when I needed her and didn't know what to do. If ever I contacted her and she didn't answer she always made sure to call back.

Jonesha V.

Verified Customer

September 26, 2026

5.0

Our lending team was communicative and caring.

Demetria M.

Verified Customer

August 16, 2026

5.0

Timely, communicative, prodessional, completely stress-free experience for my buyers and I. Thank you for consistently delivering a remarkably wonderful experience.

Nikki D.

Verified Customer

August 25, 2026

5.0

Dane and his team made it incredibly easy to get through this process! I was very stressed going into this as it was my first home purchase, but he answered all of my questions and walked through the process.

Jacob D.

Verified Customer

October 4, 2026

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Refinance‍ for free. For life.*

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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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