We got your application.

We’ll take it from here. Expect a call from us shortly—we can’t wait to help you access your home equity!

Step 1

We'll call you.

So exciting! We’re reviewing your info and running the numbers. We’ll call you to review your personalized options and get any additional info needed.

Step 2

Upload documents.

It’s so simple it can even be done from your phone. We’ll provide you with the list of documents we need and where you can find them. Then, just snap a photo and upload. See? Super simple.

Step 3

Access that home equity.

We’ll be with you as your loan moves through each step of the process—from processing all the way to closing. With a HELOC from Lower, you’ll be accessing your equity in no time.

A simple guide to get started

What do I need to know to get my home equity?

Access more of your home equity with Lower.

“Smooth, seamless process. Overall great experience.”

Eric

5 Stars!

Lower Homebuyer

Gina
5 Stars!
LendingTree

Thank you for your hard work and dedication to making this happen

This is my 2nd refi with Matthew Mikel! He is excellent. He is responsive and informative. He is calm and re-assuring. And a bonus, he knows what he is talking about. He can be creative and explain things to you in a way they make sense. Thank you Matthew - we appreciate your service and would definitely recommend you again. Additionally, when its time to purchase our next home, you will be our first call!!!

Rob
5 Stars!
LendingTree

Uncommon Customer Service

Great experience working with Patrick who was genuinely concerned about helping me make the right decision with my HELOC. Ultimately I did not go with Low**.com, but I would highly recommend giving them a shot. No pressure, and certainly more focused on helping than selling a product. Process was very simple and I would recommend to friends and family

Shalette
5 Stars!

Better than the competitors I've worked with and fast!

The process was easy. Arianna Graves worked very fast to get my loan closed in record timing! I was very impressed with the time. They're rates were excellent!

Tina
5 Stars!
LendingTree

Outstanding Customer Service!

My husband and I were extremely happy working with Patrick Martin and thanks to Lending Tree we were connected to Patrick. He made everything easy. He's highly knowledgeable and obviously cares about his customers. We highly recommend Lending Tree and Lower.com Because of them we are finally debt free!!

Gina
5 Stars!
LendingTree

Thank you for your hard work and dedication to making this happen

This is my 2nd refi with Matthew Mikel! He is excellent. He is responsive and informative. He is calm and re-assuring. And a bonus, he knows what he is talking about. He can be creative and explain things to you in a way they make sense. Thank you Matthew - we appreciate your service and would definitely recommend you again. Additionally, when its time to purchase our next home, you will be our first call!!!

Rob
5 Stars!
LendingTree

Uncommon Customer Service

Great experience working with Patrick who was genuinely concerned about helping me make the right decision with my HELOC. Ultimately I did not go with Low**.com, but I would highly recommend giving them a shot. No pressure, and certainly more focused on helping than selling a product. Process was very simple and I would recommend to friends and family

Shalette
5 Stars!

Better than the competitors I've worked with and fast!

The process was easy. Arianna Graves worked very fast to get my loan closed in record timing! I was very impressed with the time. They're rates were excellent!

Tina
5 Stars!
LendingTree

Outstanding Customer Service!

My husband and I were extremely happy working with Patrick Martin and thanks to Lending Tree we were connected to Patrick. He made everything easy. He's highly knowledgeable and obviously cares about his customers. We highly recommend Lending Tree and Lower.com Because of them we are finally debt free!!

Gina
5 Stars!
LendingTree

Thank you for your hard work and dedication to making this happen

This is my 2nd refi with Matthew Mikel! He is excellent. He is responsive and informative. He is calm and re-assuring. And a bonus, he knows what he is talking about. He can be creative and explain things to you in a way they make sense. Thank you Matthew - we appreciate your service and would definitely recommend you again. Additionally, when its time to purchase our next home, you will be our first call!!!

Rob
5 Stars!
LendingTree

Uncommon Customer Service

Great experience working with Patrick who was genuinely concerned about helping me make the right decision with my HELOC. Ultimately I did not go with Low**.com, but I would highly recommend giving them a shot. No pressure, and certainly more focused on helping than selling a product. Process was very simple and I would recommend to friends and family

Shalette
5 Stars!

Better than the competitors I've worked with and fast!

The process was easy. Arianna Graves worked very fast to get my loan closed in record timing! I was very impressed with the time. They're rates were excellent!

Tina
5 Stars!
LendingTree

Outstanding Customer Service!

My husband and I were extremely happy working with Patrick Martin and thanks to Lending Tree we were connected to Patrick. He made everything easy. He's highly knowledgeable and obviously cares about his customers. We highly recommend Lending Tree and Lower.com Because of them we are finally debt free!!

Marchelle B.
5 Stars!
Google Review

Lower really cares

"I was very happy with Lower and the entire refinancing experience. You can tell Lower really cares about the customer and wants to make the experience as good as possible for the customer."

J.
5 Stars!
Google Review

I was approved!

"My score wasn't the best but Adam was pretty confident he could work something out and this was after being told no by other lenders. I didn't get my hopes up but to my surprise I was approved!"

Cristhtian P.
5 Stars!
Google Review

Amazing job!

"What really made me decide to give my business to Lower.com was the amazing job Andi did while working with me from the first call up until closing day."

John S.
5 Stars!
Google Review

Fast and simple!

"The refinance of our house was fast and simple. The overall process was very simple, easy, and best of all, Mackenzie got us a great rate. Dropping our interest rate by almost 2%.