Skip to content
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.
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.

A woman smiling at a phone.
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.

A couple smiles while looking at a phone.
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

Lisa went above and beyond to help me get a home.

Derek U.

Verified Customer
5.0

Very responsive. Quick pre-approval. Very pleasant personality. Great communication.

Brent R.

Verified Customer
5.0

Nadia made the buying experience great for us. She was very helpful and informative with us. She went out of her way to help us and make the experience as smooth as possible. We will gladly recommend her to anyone we know that may be interested in purchasing or refinancing a hom. thank you for everything.

Abel Q.

Verified Customer
5.0

Working with Bobby was an outstanding experience from start to finish. He is incredibly knowledgeable, efficient, and transparent, and he made what could have been a stressful process feel manageable every step of the way.No matter how many questions I had, Bobby was always patient, responsive, and took the time to explain everything until I fully understood my options. I never felt rushed or left in the dark. His communication was excellent throughout the entire process, and I always knew what to expect next.What impressed me most was his genuine commitment to helping me reach the closing table. He consistently went above and beyond, worked diligently behind the scenes, and made me feel like my home purchase truly mattered to him. This is the first of many, and when the time comes to purchase my next home, Bobby will be my first call!

Toni E.

Verified Customer
5.0

Easy to communicate. Very knowledgeable

Wanda N.

Verified Customer
5.0

Great communication, flexible, easy to work

Elzavon M.

Verified Customer
5.0

Jeff was very helpful through my process of getting my home . He help every step of the way he was on point . I would recommend everyone to go the Jeff if you looking buy a home .

Veonta R.

Verified Customer
5.0

We had a wonderful experience with the Alder Mortgage Team. They were very transparent about the whole process and checked frequently about where we were in the steps to close on our house. Jake was always easy to get ahold of, friendly, and made us feel at ease the entire time! His team was highly organized and quick to answer any questions! We would definitely recommend them to anyone looking for a wonderful and friendly mortgage team for all your buying and selling needs!

Elena F.

Verified Customer
5.0

Getting everything done in a timely manner, m even outside of normal business hours, to be at the closing, and working diligently at any changes that came up during the process really stood out to us

Jeremy H.

Verified Customer
5.0

Thank you for all of your help!

Chloe G.

Verified Customer
5.0

Great communication and very professional. It was great to work with Bob.

Leon N.

Verified Customer
5.0

Jeff always had great communication with us. Anytime we had a question or didn't understand part of the process he made sure we fully understood everything.

Fatima O.

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.

0

Worry free

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

Learn More

Mortgage Resources

Ready to get started?

Clear
Selection