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

2.875%

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

3.540%

*.

Today's Rates
View APR

Lower®

Above market avg.
Below market avg.
Above market avg.
Below market avg.

2.875%

ArrowArrow
.24%
ArrowArrow
.67%

Quicken Loans®

Above market avg.
Below market avg.
Above market avg.
Below market avg.

2.875%

ArrowArrow
.24%
ArrowArrow
.67%

Wells Fargo®

Above market avg.
Below market avg.
Above market avg.
Below market avg.

2.875%

ArrowArrow
.24%
ArrowArrow
.67%
Get Started

A home loan built for you.

A home loan built for you.

Get Started

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.

Get Started

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.

Get pre-qualified
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.