Access funds for renovations, debt consolidation, or big goals with ease.
Our process is simple and hassle-free. Let’s make homeownership a reality.
Simplify the process and save with competitive rates tailored to your goals.
We connect you with the right loan to bring homeownership within reach.
No matter where rates are now, you win. Buy your house now, then refinance to a lower rate later. Finance once with Lower and we'll cover all lending fees on future refinances, for life.*
Get started
Rated 4.8 / 5 based on 2,500+ reviews
Abby Farber, our loan advisor, was amazing! First time homebuyers and everything went smoothly. She was always available to answer any questions we had. Our first home purchase was a great experience because Abby cares and she helped us through the process
I initially was only searching for a price range my fiancé and I could afford. Then immediately after filling out the information Emily from Lower contacted me and from the start she was so amazing and professional! Answered all my questions even if I repeated some! Definitely took care of everything we needed. And worked around my work schedule to contact us and let us know new details about things. Very considerate about timing and very helpful with everything! She’s amazing! Definitely would recommend her and Lower to everyone I know!
We worked with Ben Rosenthal to complete our mortgage contract quickly and with great satisfaction. We were most concerned about getting the best interest rate possible and with Lower.com we did, choosing them out of about five lenders we shopped. Ben also worked to direct us towards other ways to save money on closing. We appreciate needing less burdensome documentation and being able to upload all that electronically at our convenience. Ultimately the process was streamlined and simple.
Jake and his team provided outstanding customer service we were able to close our deal in record time (19 days). Excellent feedback was also received from the title company regarding the lender.
The process was so easy. It was also easy to upload all the required documents to the portal. Jake was available and answered all my questions promptly. I was approved in just a few days.
Quick and Simple. These are qualities we all need when trying to accomplish a new home purchase amidst our daily obligations. Austin and his team at Lower went far beyond my expectations in assisting me with moving into my new home. I am in a customer experience line of work myself and I’m convinced Austin COULD NOT have made this any easier for me. I’ll be back for my next one!
This was our 8th mortgage closing and it was by far the easiest!! We had never done a virtual closing and it was smooth as silk from the comfort of our couch at the time of our choosing! The whole process was very easy to follow and understand.
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!
First
Property
Second
Property
Investment
Property
Conventional
Jumbo Loan
FHA
Combo Loan
USDA
5/5 ARM
VA Loan
10-Year
15-Year
20-Year
25-Year
30-Year
01
From first-time homebuyer to second-and-third-time homeowner—we have an option to fit your needs.
First Property
Second Property
Investment Property
02
Down payment. Credit score. Home price. They’re all important to finding the best loan option for you.
Conventional
Jumbo Loan
FHA
Combo Loan
USDA
5/5 ARM
VA Loan
03
Pay less over time, or less in the short term. Whichever you choose, adjustable or fixed, we’ll make it work.
10-year
15-year
20-year
25-year
30-year
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.
Get ConnectedEver 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.
Let's do thisApply 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.
Get StartedYour 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.)
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.
Get pre-qualified
4bd | 3ba | 2,210 sqft
4bd | 3ba | 2,210 sqft
4bd | 3ba | 2,210 sqft
4bd | 3ba | 2,210 sqft
Advertised offers are not guaranteed if you do not continue to meet Lower’s criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners’ association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Lower’s underwriting and Investor requirements. Interest rate examples are as of 03/17/2025. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
© 2025 Lower, LLC | NMLS#1124061 | www.nmlsconsumeraccess.com | Conducts business in 47 States to include the District of Columbia. Alabama, Alaska, Arizona - License #1000936, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Iowa, Idaho, Kansas, Kentucky (Lower.com, LLC), Louisiana, Maine, Maryland, Massachusetts Mortgage Broker License -- MC1124061 | Massachusetts Mortgage Lender License -- MC1124061, Michigan, Minnesota, Mississippi, Missouri, Montana (Lower.com, LLC), Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, North Carolina, North Dakota, Ohio, Oklahoma (Lower Mortgage, LLC), Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington (Lower.com, LLC), West Virginia, Wisconsin, and Wyoming.
*This offer is not guaranteed if you do not continue to meet Lower’s criteria and other factors bearing on your credit worthiness (including acceptable property collateral, income and employment history). Not all applicants will qualify for the rate and monthly payment shown. Monthly payments do not include property taxes, property insurance, and homeowners association dues. Your exact loan's interest rate and payments will depend upon the term of your loan, your credit history, and other qualifying factors. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Lower’s underwriting and Investor requirements. Loans valid for the refinance or purchase of an owner-occupied residence. Loan amounts must be at or under conforming loan limits within your state and county. Rate subject to change depending time of rate lock. Call 844-645-6937 for exact details and qualifying information.
Free Refi for Life: Offer not valid for subordinate simultaneous closings and only applicable for first lien mortgage loans. Offer exclusively waives Lower retained fees, to include: origination, underwriting, processing, or administrative fees. Offer not applicable for discount points, or any third-party settlement service fees, such as Title, Settlement, Appraisal, Credit report, Commissions, or other similar settlement provider fees. Customer must have closed previous first-lien refinance transaction on or after December 1, 2018 with Lower and at least six (6) months prior to any subsequent applications. All applications are subject to underwriting and credit approval. Other restrictions may apply. Call for complete details. Offer not valid at other locations other than 5950 Symphony Woods Road, Suite 301, Columbia, MD 21044 and NMLS Branch ID 1668557 | 8131 Smith’s Mill Road, New Albany, OH
Not applicable for Washington State Consumers.
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