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The place to save for a home. Save $1. Get $1. Earn HomeCash™. Build interest. Set your home goal and stay on track. All in the app.

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Lower Account is provided through Evolve Bank & Trust, Member FDIC. Annual Percentage Yield (APY) as of December 08, 2020, and subject to change after account opening. We use encryption and secure processes to help ensure your money is safe. See footnotes below for more details.

Lower is a DBA of Homeside Financial, LLC.

¹ Interest and Account Disclosures as a reference:

  • Initial Deposit Requirement – There is no minimum deposit required.
  • Interest Rate Information – The Annual Percentage Yield (“APY”) for the HomeFund is variable and may change at any time. The disclosed APY is effective as of December 8, 2020. No minimum balance required. Must have $0.01 or greater in savings to earn interest. Interest is calculated and deposited on a monthly basis.
  • Effect of Closing an Account – You will not receive the accrued interest if you close your account before interest is credited.

Further banking account terms is outlined in the HomeFund™ Account Agreement.

² HomeCash is a special rewards currency you can redeem at Lower when financing your home.  See our full terms and conditions for details.

³ Lower® is a trademark of Homeside Financial, LLC. Sample rate as of XXXX-XX-XX. Interest rate based on a $XXXXXX loan amount with a XX-year fixed rate and X.X APR at 75% loan-to-value (LTV) is a monthly payment of $XXX.XX with X discount points.

⁴ Credit score is powered by Equifax® and calculate using VantageScore 3.0. It is a credit scoring model that takes the information in your credit report and turns it into a score.

⁵ GooglePlay® is a trademark of Google LLC. App Store® is a trademark of Apple Inc.

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