Skip to content
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.*

A better, all-digital experience.

5.0

I cannot say enough wonderful things about Karylle & her team and the entire experience we had. From the very beginning, they were incredibly patient, understanding, and thorough. They took the time to explain every step of the process in detail and always made sure we understood what was happening. What stood out the most was that they genuinely cared about us as people, not just as clients. They took the time to understand our family, our situation, and how important this home was to us. During what can be an incredibly stressful process, they were always reassuring, responsive, and willing to answer every question we had. We truly felt like we were more than just another loan application. They treated our family with kindness, respect, and genuine care, and that meant so much to us. I would 100% recommend them to anyone looking to purchase a home or refinance. If you want someone who is knowledgeable, patient, detailed, compassionate, and truly invested in helping you succeed, look no further. We are so grateful for everything they did to help our family get into our new home! 🏡❤️

Amber B.

Verified Customer
5.0

Can’t thank Linda enough for all her help navigating the purchase of our new home out of state! The process with Lower Mortgage was quick and easy but Linda made sure she communicated with us every step of the way and ensured everything went smoothly!

Jennifer R.

Verified Customer
5.0

Alisa was super informative, she thought about everything and helped educate me on things I wasn’t aware about and what to look for. This was my first time buying a home and she went above and beyond . I feel myself to be lucky to have her help.

Phillip D.

Verified Customer
5.0

This team is awesome they made the homebuying process very seamless. They offer wonderful support and guidance throughout the process. I would highly recommend this lender if you are looking to finance your home. They literally help you every step of the way! So grateful to have worked with this team during my home purchasing journey. Thank you guys, you're awesome 😊❤️

Lorie H.

Verified Customer
5.0

We had an incredibly seamless and enjoyable experience working with Joe. From start to finish, he was efficient, knowledgeable, and always kept us informed throughout the entire process. His communication was excellent, and he was consistently available to answer questions and guide us every step of the way. Purchasing a home can be stressful, but Joe made the process feel smooth and straightforward. We couldn’t be happier with the service he provided and would highly recommend him to anyone looking for a mortgage professional they can trust.

Gabriella C.

Verified Customer
5.0

Eric and the entire Lower team were amazing! They were professional, responsive, and always kept me updated throughout the process. They worked incredibly hard to resolve my appraisal transfer and made sure we stayed on track to close on time. As a first-time homebuyer, I truly appreciated their patience, communication, and dedication. Thank you for making this such a smooth and positive experience. Highly recommend!

Hiu C.

Verified Customer
5.0

Cindy was amazing! We were first time homebuyers, and Cindy walked us through the process step-by-step. She was available to answer our many questions and has a great attitude!

Henry L.

Verified Customer
5.0

Dave made the process very simple and quick. He's become my go to guy if I plan on purchasing another property.

Bradley C.

Verified Customer
5.0

My experience was truly remarkable; Brianna and her team was a godsend. As a first-time homebuyer, I felt apprehensive about the process, but her guidance and communication made everything much easier. Very much stand on business and getting the job done I am incredibly grateful to have had the opportunity to work with her—she was a true blessing. I cannot thank she enough!

Jessica J.

Verified Customer
5.0

“As a first-time homebuyer, I am incredibly grateful for my lender and the entire lending team. They took the time to review every detail with me, explain each step of the process, and answer all of my questions with patience and professionalism. Even through delays and unexpected challenges, they kept me informed and worked tirelessly to help me reach the closing table. Their knowledge, communication, and dedication made what could have been a stressful experience feel manageable. I highly recommend them to anyone looking to purchase a home. Thank you for helping make my dream of becoming a first-time homeowner a reality!” 🏡🔑❤️

Lathea W.

Verified Customer
5.0

Tom was always available and easy to contact when I needed him. Also, as a first time homebuyer, the process felt overwhelming at first. However, Tom made it as easy to understand and transparent as possible. I never felt lost in the woods or like I was waiting all day for replies. He made the closing extremely painless, too. I was expecting a far more exhausting day than I actually ended up having. I was glad that he showed up at the closing process to help me through it,. Overall, it was an excellent experience and I would highly recommend Tom.

Michael W.

Verified Customer
5.0

Laura is a true professional from start to finish. Everything she did made my home buying experience easier. Laura is a valuable asset to your company. I will highly recommend her and lower mortgage to anyone I know who is looking to purchase a home.

Sharon P.

Verified Customer

A home loan built for you.

1

Property

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

2

Loan Options

Down payment. Credit score. Home price. They’re all important to finding the best loan option for you.

3

Term

Pay less over time, or less in the short term. Whichever you choose, adjustable or fixed, we’ll make it work.

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.

finance-new

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.

finance-2

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.

finance-3-adjusted

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.)

finance-4-adjusted

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.

finance-5

Buy home. Get more.

Clear
Selection