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Never pay to refinance again.*

Buy the house now.

Lower your rate later.

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.*

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Rated 4.9 / 5 based on 2,500+ reviews

A better, all-digital experience.

Dina
5 Stars!
LendingTree

Highly Recommend

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

Vi
5 Stars!
LendingTree

Amazing Experience

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!

Jill
5 Stars!
LendingTree

Easy and Saved Money

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 Low**.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.

Shane
5 Stars!
LendingTree

Very Responsive

"I reached out to about half a dozen banks when looking for a Home Mortgage. Lower came back with the best rates and the agent was extremely responsive and helpful."

Adrian R.
5 Stars!
Zillow

Outstanding Customer Service

"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."

Jo
5 Stars!
Zillow

Excellent Customer Service!

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.

Aj
5 Stars!
Zillow

EXCEPTIONAL EXPERIENCE

"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!"

Stephanie W.
5 Stars!
Zillow

Easiest Process and Closing Ever!!

"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."

Interest rate based on a $XXXXXX loan amount with a 30-year fixed rate and X.X APR and $XXX.XX monthly payment at 75% loan-to-value (LTV) and X discount points.*

Today's Rate

5.500%

Interest rate based on a $XXXXXX loan amount with a 15-year fixed rate and X.X APR and $XXX.XX monthly payment at 75% loan-to-value (LTV) and X discount points.*

Today's Rate

4.875%

15-Year
30-Year
15-Year
30-Year
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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.

Get Connected

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.

Let's do this

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.