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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. 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.

No-impact credit check. No commitment.

30,000+ five star reviews and counting.

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

5.0

Her patience, Cheryl explaining and guiding my client step by step, was the best and most satisfying experience that any first-time homeowner can have. Thanks Cheryl

Eva F.

Verified Customer
5.0

The communication was excellent.

Leon P.

Verified Customer
5.0

As a first time homebuyer this was such a learning experience. Kristen helped so much with the entire process and any questions I faced along the way. It was such a pleasure to work with Kristen!

Kenneth M.

Verified Customer
5.0

Doug and his team made the entire home buying process feel simpler and more straightforward. His communication is excellent and he is readily available to answer any questions we had.

Wingobball

Verified Customer
5.0

Jeff was amazing made me feel like he had my best interest at heart.

Austin A.

Verified Customer
5.0

Josh and Antia with Lower Mortgage where so great to work with and made communication wonderful. Both were willing to be there for me even after hours knowing my work schedule which I truly appreciated very much. Their willingness to help alo…ng the many steps through the process of buying and selling a home, I plan to reach out again in the future if that time comes. A big THANK YOU for everything that you both have done for me and with kindness and professionalism. Thank you so much!

Crissy R.

Verified Customer
5.0

Best experience flawless execution!

John M.

Verified Customer
5.0

Fred was knowledgeable, worked hard to find a loan for us, and was very pleasant.

Roberta C.

Verified Customer
5.0

Super sweet and very knowledgeabl. I feel like she really did her best to get me the best deal she could!

Kymber T.

Verified Customer
5.0

The level of communication provided for a complicated transaction was ready great. Plus her office reached out whenever there was an issue before things got into dangerous territory. Sandy was able to fix a bad issue I didn't realize had been …a wrong choice before starting the loan process and still complete the loan.

Jeffrey M.

Verified Customer
5.0

Patrick was amazing throughout the entire process. He was always available to answer our questions and took the time to break everything down so we could fully understand each step. His communication, patience, and guidance made the process muc…h easier. We truly appreciate all of his help in making this experience a great one.

Gloria F.

Verified Customer
5.0

I can only say amazing things about working with Angie. This is my fourth house buying with Angie, working with her is nothing short of smooth and stress free. Angie is the top fianacer. Her knowledge is impec…cable. I really appreciate everything she does, it's always a pleasure.

Gamil A.

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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