Let’s make you a homeowner.

Your homebuying roadmap just got a whole lot easier.

Get all your financing ducks in a row so you can buy the home you love—faster. Set goals, save up, get advice, then buy that home. All in the Lower app.

If you have Zillow, you need Lower.

Buying a home has never been this easy.

The Lower app is the perfect companion to your favorite home-shopping spots. Find the home you love, then build the roadmap to purchase within the Lower app. 

The only home financing tool you need.

“I couldn’t have asked for a better experience with Lower!” 4.9

(4,100+)

Check Credit

Monitor your credit score and watch it climb as you decrease your debt.

Price Home

Compare renting to buying and calculate how much home you can afford.

Save Down Payment

Decide your purchase date and save with easy recurring deposits.

Buy Home

Chat with a trusted loan advisor and get the best loan and rate for you.

Be ready to buy a home sooner.

Your bank doesn't love you like we do. 😍

Save a Down Payment Faster

Higher interest for your home savings.

Crush your down payment goals faster with Lower's High-Yield .75% APY HomeFund. It's FDIC Insured keeping your money safe and growing until you're ready to buy.

Pay Way Less in Closing Costs

It's like a 401k match, for your house.

Lower the barrier to owning that dream home with $1000 in HomeCash. For every dollar you save we'll match it, putting you even closer to your goal.

Get loan advice with just one tap.

Know you're making the right moves.

We all need a guide when making big life decisions like buying a home. Your dedicated Lower Advisor is your trusted friend in the mortgage business.

"A guide in the wilderness."

Bob H.
5 Stars!
Verified Home Purchase

A home loan built for you.

The right loan. The best rate.

Once you've hit your financial goals, it's time to buy that home. We'll help you identify the right loan, get qualified, and find you the best rate.

“Lower’s rates are the best around."

Stephanie W.
5 Stars!
Verified Home Purchase

Imagine Being This Happy About a Home Loan

“Lower saved me so much money that I can breathe again.”

Jill — Verified App User

TechGuy1145
5 Stars!
App Store

The future of mortgages

This app helps you save for your first home purchase or apply for a refinance all digitally. On top of that, Lower is a fantastic customer focused company who streamlines the entire process. Highly recommend.

Brilliantlyclear
5 Stars!
App Store

Excellent way to save money on closing costs.

Lower.com has developed an easy to use app to help homebuyers ave money while slashing closing costs, not to mention their APY is the highest I’ve seen in months. The app matches dollar for dollar, up to $1000, to deduct from closing costs. You can also set up recurring deposits to earn additional money towards closing! I would highly recommend this app and Lower.com for you mortgage needs.

TNEB4
5 Stars!
App Store

Super easy to use

Excellent way of setting and helping you meet home buying goals. Very easy to use.

Brilliantlyclear
5 Stars!
App Store

Excellent way to save money on closing costs.

Lower.com has developed an easy to use app to help homebuyers ave money while slashing closing costs, not to mention their APY is the highest I’ve seen in months. The app matches dollar for dollar, up to $1000, to deduct from closing costs. You can also set up recurring deposits to earn additional money towards closing! I would highly recommend this app and Lower.com for you mortgage needs.

TNEB4
5 Stars!
App Store

Super easy to use

Excellent way of setting and helping you meet home buying goals. Very easy to use.

Cris105cma
5 Stars!
App Store

Incredible home savings features

Lower.com is a wonderful mortgage company that offers great interest rates. Their app is so user friendly and has a ton of incredible home savings features!!! This makes the entire process easy and stress free!

TechGuy1145
5 Stars!
App Store

The future of mortgages

This app helps you save for your first home purchase or apply for a refinance all digitally. On top of that, Lower is a fantastic customer focused company who streamlines the entire process. Highly recommend.

Trenton E.
5 Stars!
Verified App User
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Verified App User

This app is so great!

Help home buyers get the money they need to purchase a home, as well as giving incredible resources!

Christopher K.
5 Stars!
Verified App User
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Verified App User

Excellent lender.

Very personable, professional, and caring. The app is very helpful and easy to use, and provides future homebuyers with tools useful for tracking savings and credit scores.

Barb1751
5 Stars!
Verified App User
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Verified App User

Straight forward!

Easy to navigate app that matches you $1000 towards closing costs when you buy a house with them as the lender.

Benjamin C.
5 Stars!
Verified App User
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Verified App User

Great interface that is very intuitive.

If you are looking to buy or refinance, check out this app!

Heather B.
5 Stars!
Verified App User
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Verified App User

This app has been a life saver in my home buying process.

Using this app along with my lender has made this process easier than I could have ever imagined. Would 10/10 recommend.

Ann L.
5 Stars!
Verified App User
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Verified App User

Great app and great customer service!

Really happy with this company and the app 😊

Hienwong
5 Stars!
Verified App User
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Verified App User

I love simplicity, and this is app did not disappoint.

Not only could I easily set up a recurring deposit to help with savings, but when you open an account they will also match dollar-for-dollar (up to $1000) that you can use towards closing costs. When shopping for a mortgage I primarily look for 3 things: 1) best rate possible 2) low closing costs 2) streamlined application process. Lower and this app certainly fulfilled those 3 things, so I’m very satisfied with my experience.

Jewell T.
5 Stars!
Verified App User
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Verified App User

Great Experience!

Very Easy to Use! Aaron our loan officer is friendly, courteous & very professional. Best experience we have ever had buying a house. The app is extremely easy to use. made providing documents very quick and easy!