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Menu IconClose Icon—Top Mortgage Lender
4.8 / 5

Achieve your goals with a HELOC.

Pay off high-interest debt, renovate your home, or get cash for college or retirement.

Apply in 3 minutes
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No-impact credit check. No commitment.

Get Started

Take 5 minutes to complete our online application and we’ll match you to the best mortgage for your goals.

Let's go
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No-impact credit check

Customize Your Options

We’ll schedule a quick phone call with one of our expert loan advisors to help ensure that we’re building the mortgage that’s perfect for you.


Access Your Equity

Your dedicated loan officer will provide personalized support to help you help you access your equity quickly and confidently from the comfort of home.

30,000+ Five-Star Reviews
30,000+ Five-Star Reviews
30,000+ Five-Star Reviews
30,000+ Five-Star Reviews—Top Mortgage Lender
4.8 / 5

#1 HELOC Lender here for you.*

Renovate or pay off high-interest debt with the Lower™ HELOC. Over 30K five-star reviews.

Apply now - As low as 8.75%
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No-impact credit check. No commitment.
Rate Range 8.75% to 13.50%
Max equity unlocked!
x Available to you*
Home Value
$ K
What You Owe
$ K

That’s $66,150  more than almost any other lender.

Get more than almost any other lender.

Get the max. While others stop at 80% LTV, we offer up to 95%.

Up to 95% loan to value
Easy and fast access to cash
Refinance free, forever
Apply now
HELOC rates as low as 8.75%
"You're approved"

No-impact credit check.

Seeing if you qualify is super easy and won’t impact your credit.

Pay less per month

Pay only interest.

A super low monthly payment so you can use that extra cash to get to a better place.

More money

Borrow the max.

Access as much of your equity as possible—up to $500k with Lower.*

Refinance for free. For life.

Buy or refinance once with Lower, and we’ll cover the lending fees on your refinances, for life.*

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Get the most out of your equity.

Lower monthly payments and lower interest rates make paying off your debt or renovating your home actually possible. (That’s how we do Lower.)

Apply today
"$8 billion funded"

“Lower is Top Notch”

David T

Compare your options

Personal Loan
Avg. Heloc
Up to 95% LTV
Interest Rate
Loan Term
1-5 Years
10 Years
10 Years
Monthly Payments
Flexible Spending
Free Refi for Life*
No commitment

“Best. Mortgage. Ever.”

Great Company to Work With

Lower helped our family with a HELOC and was extremely friendly, knowledgeable, and responsive. Despite a rapidly changing market, he guided us every step of the way.

Dakota M
Trustpilot Review

Definitely recommend! helped lead us through the process of refinancing and HELOC. There were times when it got a little overwhelming, but Lower always stayed right on top of things and kept us informed...

Gina S
Trustpilot Review
A happy customer

Great company to work with

The whole process from start to finish was easy with My lender was always there and answered any questions I had and made it work for me to close.

Heather B
Trustpilot Review
A happy customer
A happy customer

Great HELOC Experience

The process was easy and painless. Lower was able to give me a great rate + a larger money amount than any other lender! If I ever need a refi, etc. I will be definitely returning to them.

Jordan R
Trustpilot Review

Amazing Service

Connor was amazing throughout the entire cash out refinance process. He always kept us up to date with everything going on. He also always made sure he was available to answer any question we might have had.

Mia M
Trustpilot Review

Easiest refi ever

Did all communication through text message. Signed all documents through an online portal. Easy. Loan just moved into processing phase. Everything is moving very quickly...

Greg A
Trustpilot Review
A happy customer

Highly recommend!

The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.

Ranae T
Trustpilot Review
A happy customer

XX,XXX+ five star reviews and counting.

Lower was very responsive, attentive to detail, and a pleasure to work with throughout the process.

Scott C
Trustpilot Review

Refinancing your home can be a frightening experience. Lower was an answer to prayer. My advisor, Jordan, was amazing! He thoroughly explained each step along the way and was always by his phone if I had questions. He was so kind and caring - he made the entire process simple and set all my fears to rest. For anyone considering a home refinance, I would highly recommend

Sherrie T
Trustpilot Review

I recently completed a refinance with lower LLC. I had the pleasure of working with Morgan Marvar. He was professional and always responded to my questions and concerns in a prompt manner. He made sure to let me know where we were in the refinance process, and what was going to happen next. I will most certainly be working with Lower and Morgan again.

Tennille P
Trustpilot Review

I was very happy with Lower and the entire refinancing experience. You can tell Lower really cares about the customer and wants to make the experience as good as possible for the customer."

Marchelle B.
Google Review

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.


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.

Stephanie W.

This is my 2nd refi with Matthew Mikel! He is excellent. He is responsive and informative. He is calm and re-assuring. And a bonus, he knows what he is talking about. He can be creative and explain things to you in a way they make sense. Thank you Matthew - we appreciate your service and would definitely recommend you again. Additionally, when it's time to purchase our next home, you will be our first call!!!


The process was easy. Arianna Graves worked very fast to get my loan closed in record timing! I was very impressed with the time. They're rates were excellent!

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A video review from Paul M. who was very happy with his refinance experience
Paul M. Refinance

And refinance for free. For life.


No lending fees

Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.


Worry free

Buy now or refinance now and know you can lower your rate later with peace of mind.

Apply today
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Our Calculations

Based on the information inside of the calculator, with a home value of $437K and $252K left on the loan.

With Lower - 95% LTV
Others - 80% LTV
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