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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

Luis answered all my questions and when I didn't understand he made sure I understand everything. And even on Saturdays and Sundays he help me and answered my questions amazing help. And Very thankful for his work and help 🙏

Rafael S.

Verified Customer
5.0

I had an excellent experience working with Linda throughout my home purchase. She was professional, responsive, and incredibly helpful from start to finish. Linda always took the time to answer my questions, explain every step of the process, and make sure everything stayed on track for a smooth closing. I highly recommend Linda to anyone looking for a knowledgeable, trustworthy, and caring loan officer. Thank you, Linda, for all your hard work and support in helping me purchase my new home!

Trang N.

Verified Customer
5.0

Josie was knowledgeable and communicativ and made the process go as smoothly as possible

Kathryn G.

Verified Customer
5.0

Chris' professionalism and expertise.

Adam C.

Verified Customer
5.0

This is my second home purchase with Monica Mudie and I must say she is amazing and continues to serve the exact same level of care, professionalism and detail as she did for my first home. I always learn more when working with Monica she likes to make sure her clients are informed and understand why things are happening. She is my preferred lender always . At this point she feels like family lol, thank you 1,000 times over!

Shantee T.

Verified Customer
5.0

I would like to express my deepest gratitude for all the guidance and from Doug, Deanna, and Vicki! They were all awesome and super supportive from the beginning to the end of this process.

Charleston D.

Verified Customer
5.0

Once we had a concern or question, it didn't seem we waited or sat on pins and needles for an answer. The answers came directly, and we had a "why" for the answer to better inform us on our next move.

Cedric R.

Verified Customer
5.0

She makes everything so easy! She is always on top of things and so quick to respond. This is the second time I used her to get a loan and I would definitely use her again!

Michael W.

Verified Customer
5.0

Sarah is a miracle worker!

Sheldon W.

Verified Customer
5.0

Great communicayion communication and reliability . always answered my questions clear fast and professional . very much appreciated

Jessica D.

Verified Customer
5.0

Amanda was amazing to work with. She responded quickly and answered all my questions, making the complex proces feel smooth. I highly recommend Amanda to anyone looking for a loan officer.

Mary K.

Verified Customer
5.0

Patrick was fantastic, I enjoyed working with him. His understanding of the home buying and lending process showed through each step and he was always willing to answer any question we had. Patrick helped navigate us through each step and provided updates anf any information we needed to make the entire processs easy . i Am so glad We were able to work with Patrick and I would highly recommend him and the Lower team to anyone.

Kelly G.

Verified Customer

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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