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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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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 >
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30,000+ five star reviews and counting.

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

5.0

Dyan was great with communicating with me and she answered all my question.

Margo A.

Verified Customer

September 26, 2026

5.0

Jimmy was there for us starting step one to the finish line. He is very professional working side by side to make sure we were happy with thr house and etc.

Melissa F.

Verified Customer

October 31, 2026

5.0

Glenn is very knowlegable and was easy to get in contact with when I had any questions. Would highly recommend anyone to use him and if I need another mortgage Glenn will be my first call.

Connor M.

Verified Customer

September 2, 2026

5.0

Absolutely. Here’s a polished version that keeps the warmth and enthusiasm of what you experienced while still sounding credible as a professional review: Working with my broker was truly an exceptional experience. From beginning to end, she wa…s absolutely dynamite. She guided me through every step of the home-buying and financing process, patiently answered my many questions, and made herself available even during off-hours and on weekends. More importantly, she didn't just tell me what was happening—she educated me along the way, which helped me feel informed and confident in the decisions I was making. Throughout the entire process, I genuinely felt that she was advocating for me and working to ensure I received the best deal and outcome possible. Her responsiveness, professionalism, knowledge, and commitment went well beyond my expectations. Purchasing a home can be an overwhelming experience, but with her assistance, it became one of the easiest and most pleasant major transactions I've ever experienced. She is truly a gem in her field, and I would recommend her without hesitation to anyone looking for a knowledgeable, dedicated, and genuinely client-focused mortgage professional. Five stars aren't enough!

Benjamin C.

Verified Customer

August 16, 2026

5.0

Phil is willing to go above and beyond to get the job done; whatever it takes!

Lori R.

Verified Customer

September 21, 2026

5.0

Everything about it. The time, effort and patience

James J.

Verified Customer

September 17, 2026

5.0

Quick response to emails and phone calls. Has been able to answer all my questions concerning the loan. Very personable.

Ann C.

Verified Customer

October 7, 2026

5.0

Good communication, thankful she was able to help us get through the process and get it completed after prior struggles with a previous lender

Brittany P.

Verified Customer

October 20, 2026

5.0

You answered all our questions and made this a smooth transaction . Thank you Adam

Catherine G.

Verified Customer

October 25, 2026

5.0

Alisa made our first time home buying experience amazing! She was very informative, supportive, and made sure we understood every step along the way. Thank you Alisa!

Madison G.

Verified Customer

August 14, 2026

5.0

Explained everything help ed helped us understand costs and everything we need to do

William F.

Verified Customer

August 18, 2026

5.0

John was very helpful and always on top of everything, he was very prompt in getting back to us with any questions or concerns. This is the 3rd mortgage John has helped us with and we couldn't be more happy with John!!… We would recommend him to froends and family in a heart beat!! Thanks John for everything over the years.

Jackie B.

Verified Customer

November 2, 2026

See Full Details

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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