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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.

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.

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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.

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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.

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.

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

FHA loansFHA 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 loansVA loans feature competitive rates and no down payment requirement for eligible veterans.

Jumbo loanJumbo 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.

HELOCA 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 LoanNeed 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.

No-impact credit check. No commitment.

30,000+ five star reviews and counting.

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

5.0

Stacey was an absolute pleasure to work with in terms of her incredibly prompt responsiveness (I have not ever dealt with anyone as prompt as this before), her level of communication throughout the process is superior and overall she is "stand-out" - highly recommend !!

Anna S.

Verified Customer
5.0

From beginning to end, Laura and her team helped make our buying experience stressfree and a pleasant experience. I absolutely recommend them when you are looking for a mortgage. Thanks again!

Angela P.

Verified Customer
5.0

Responsive, knowledgeable, and always there to answer our questions. Highly recommend!

Caitlyn C.

Verified Customer
5.0

Brianna is extremely patient, communicative, and takes the time to explain things very clearly and thoroughly. This was a very positive experience.

Lindsey S.

Verified Customer
5.0

I am very pleased with the communication, and overall experience of buying my first home. Vickie held my hand during this process and walked me through every question, concern and uncertainty. She made this home buying process a less stressful experience and I cannot express how much I appreciate everything she did to make it possible for me to own a home.

Sheila K.

Verified Customer
5.0

I have close family that does the same thing Eva does and we chose Eva to help us again with the Purchase of our new home. We used Eva in 2021 as well and it was seamless. Eva helped us the entire way ! Late nights and early morning ready to assist us . wonderful, wonderful. Highly recommend!!

Trey B.

Verified Customer
5.0

Great communication, simple step by step guidance through the process, and most of all, integrity. What was discussed, is exactly what happened, no changes, no surprises.

Robert G.

Verified Customer
5.0

I have worked with tons of lenders, Mitchell is absolutely one of the fastest, dedicated lender. The transaction was easy breeze and straightforward. Looking forward tonworking with Mitchell in the next deals.

Gerges S.

Verified Customer
5.0

Fred was very quick to answer all our questions and communicate next steps.

Anna S.

Verified Customer
5.0

Taylor and his team are extremely easy to work with. They make the lending experience understandable and enjoyable, whether it’s your first time or multiple times it’s always the same experience, professional and courteous throughout. No question goes unanswered, Taylor makes himself available to your needs anytime. Thank you Taylor Weiner team!!

Matt E.

Verified Customer
5.0

Judy remained calm when we were panicked. She guided us through questions we had with professionalism and patience.

Diane M.

Verified Customer
5.0

Quick closing process and constant communication.

Maria B.

Verified Customer

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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Mortgage Resources

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