See how Lower.com stacks up to the Bankrate® national average, as well as a few top lenders. Today's average mortgage rate is
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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
