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Get a Lower Mortgage Rate Than Most, with Lower Monthly Payments and More Savings.

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Today's Lower Rate

X.XXX%
X.XXX%
Lower rate

National Avg. Rate

X.XXX%
X.XXX%

Today's Lower APR

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X.XXX%
Lower rate

National Avg. APR

X.XXX%
X.XXX%
Term
15-Year
30-Year
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Rate
APR

A home loan built for you.

A home loan built for you.

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01

Property

From first-time homebuyer to second-and-third-time homeowner—we have an option to fit your needs.

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First Property

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Second Property

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Investment Property

02

Loan Options

Down payment. Credit score. Home price. They’re all important to finding the best loan option for you.

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Conventional

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Jumbo Loan

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FHA

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Combo Loan

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USDA

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5/5 ARM

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VA Loan

03

Term

Pay less over time, or less in the short term. Whichever you choose, adjustable or fixed, we’ll make it work.

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10-year

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15-year

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20-year

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25-year

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30-year

Easier said—and done. The expert you’ve always wanted.

Your schedule.

Who shops for homes during bank hours? We’re here when you need us. Get connected with a Lower loan advisor, then reach out at any time. Yes, even on the weekends.

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Your way.

Ever had a bank text you back? Us either. We’re just like you, if you were a mortgage expert. So, go ahead—text, call or email us for help.

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Your place.

Apply online. Upload docs from your phone. All from wherever you are. If we need something signed, we’ll come to you—your house, apartment or work.

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Shop your heart out. No credit check until you’re ready to buy.

Your credit is important, so we don't do a hard pull until you're absolutely ready. (And we'll always ask for permission when we do.)

Look around. See what you like.

With Lower, you can speak with a loan advisor without it impacting your credit. We’ll do a soft, non-impact credit check to get you started, and a hard pull only when you’re ready.

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Modern home interior | yellow chair, living space

$1,750 / mo.

4bd  |  3ba  |  2,210 sqft

Modern home interior | Bathroom, brick, sunlight

$1,750 / mo.

4bd  |  3ba  |  2,210 sqft

Modern home interior | bedroom, greenery, mirror

$1,210 / mo.

4bd  |  3ba  |  2,210 sqft

Modern home interior | stairs and sunlight

$1,750 / mo.

4bd  |  3ba  |  2,210 sqft

Oh, and we’re going to help you save for a home.

Every dollar you save, we match it.*

Buy home. Get more.