All Loan Options

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, woman, and child smile while moving into a new house.

Purchase

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

See Your purchase options

Home Equity Loans

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

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.

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.

Let's Go

No-impact credit check. No commitment.

5.0

excelente muy eficiente y rapidez para todo el proceso gracia.

Victor G.

Verified Customer

July 28, 2026

5.0

Erick was quick with the entire process and very straight forward, he answered all of my questions that I had and was there every step of the way. 10/10 would recommend to any first time and all homebuyers who don’t understand the process, Erick will guide you in the right path.

Michael D.

Verified Customer

July 21, 2026

5.0

The great communication on Landon's side that made this process a breeze! We appreciate all his hard work in making this possible for me and my family.

Taylor B.

Verified Customer

June 23, 2026

5.0

My family and I really appreciate everything Taylor has done for us! she was really helpful in the total experience

Gabriel F.

Verified Customer

July 21, 2026

5.0

Angie was such a pleasure to work with! She was such a great help, full of advice and guidance every step of the way. I would highly recommend her to my friends and family!

Shelia K.

Verified Customer

July 10, 2026

5.0

Angie is always a pleasure to work with. The portal also made loading paperwork and keeping things organized much easier.

John F.

Verified Customer

July 9, 2026

5.0

Phil is always very professional and willing to do anything to help the process go as smoth as possible. I will never use anyone other than Phil Cunningham. He is the absolute best at everything!!!

Crystal R.

Verified Customer

June 22, 2026

5.0

Helped out and answered my questions

Brandon S.

Verified Customer

July 18, 2026

5.0

Tawna West great always there when we needed her help through the entire process

Todd M.

Verified Customer

July 23, 2026

5.0

Murdock is the most responsive, available and articulate lender I know!

Eddie W.

Verified Customer

July 21, 2026

5.0

Very nice and friendly

Paul C.

Verified Customer

July 3, 2026

5.0

Great place to do business with.

Jesse W.

Verified Customer

July 1, 2026

Victor G. rated Bob Chamorro 5.0 stars: excelente muy eficiente y rapidez para todo el proceso gracia. Michael D. rated Erick Rodriguez 5.0 stars: Erick was quick with the entire process and very straight forward, he answered all of my questions that I had and was there every step of the way. 10/10 would recommend to any first time and all homebuyers who don’t understand the process, Erick will guide you in the right path. Taylor B. rated Landon Kail 5.0 stars: The great communication on Landon's side that made this process a breeze! We appreciate all his hard work in making this possible for me and my family. Gabriel F. rated Taylor Fruge 5.0 stars: My family and I really appreciate everything Taylor has done for us! she was really helpful in the total experience Shelia K. rated Angie Lewis 5.0 stars: Angie was such a pleasure to work with! She was such a great help, full of advice and guidance every step of the way. I would highly recommend her to my friends and family! John F. rated Angie Lewis 5.0 stars: Angie is always a pleasure to work with. The portal also made loading paperwork and keeping things organized much easier. Crystal R. rated Phil Cunningham 5.0 stars: Phil is always very professional and willing to do anything to help the process go as smoth as possible. I will never use anyone other than Phil Cunningham. He is the absolute best at everything!!! Brandon S. rated Doug Bills 5.0 stars: Helped out and answered my questions Todd M. rated Tawna Leonard 5.0 stars: Tawna West great always there when we needed her help through the entire process Eddie W. rated Murdock Richard 5.0 stars: Murdock is the most responsive, available and articulate lender I know! Paul C. rated Joanie Neal 5.0 stars: Very nice and friendly Jesse W. rated Eva Aycock 5.0 stars: Great place to do business with.

See Full Details

Refinance‍ for free. For life.*

No lending fees

Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.

Worry free

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

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