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Today's Rate

X.XXX%

Today's Rate

X.XXX%

15-Year

30-Year

Lower rates. All day.

See how Lower.com stacks up to the national average, as well as a few top lenders.

Today's average mortgage rate is

Today's average mortgage APR is

X.XXX%

See how Lower.com stacks up to the national average, as well as a few top lenders.

Today's average mortgage rate is

Today's average mortgage APR is

X.XXX%

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15-Year

30-Year

Lower®

Above market average

Below market average

Above market average

Below market average

Rate

X.XXX%

APR

X.XXX%

Diff. From Avg.

.XX%

Diff. From Avg.

.XX%

Quicken Loans®

Above market average

Below market average

Above market average

Below market average

Rate

X.XXX%

APR

X.XXX%

Diff. From Avg.

.XX%

Diff. From Avg.

.XX%

Wells Fargo®

Above market average

Below market average

Above market average

Below market average

Rate

X.XXX%

APR

X.XXX%

Diff. From Avg.

.XX%

Diff. From Avg.

.XX%

Lower®

Above market average

Below market average

Above market average

Below market average

Rate

X.XXX%

APR

X.XXX%

Diff. From Avg.

.XX%

Diff. From Avg.

.XX%

Quicken Loans®

Above market average

Below market average

Above market average

Below market average

Rate

X.XXX%

APR

X.XXX%

Diff. From Avg.

.XX%

Diff. From Avg.

.XX%

Wells Fargo®

Above market average

Below market average

Above market average

Below market average

Rate

X.XXX%

APR

X.XXX%

Diff. From Avg.

.XX%

Diff. From Avg.

.XX%

Today's Rates

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A home loan built for you.

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First
Property

Second
Property

Investment
Property

We've got you covered

Conventional

Jumbo Loan

FHA

Combo Loan

USDA

5/5 ARM

VA Loan

Fixed & Adjustable

10-Year

15-Year

20-Year

25-Year

30-Year

Property

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

First Property

Second Property

Investment Property

Loan Options

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

Term

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

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.)

Get pre-qualified

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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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