Up to 95% LTV

Calculate your available funds.

Pay off more high-interest debt. Make more home renovations. All with the Lower™ Home Equity Line of Credit.

Lower® Heloc Rates*

5.240%

95% LTV*

Get Started

Customize yours.

0

Available to you.

Your home value Your home value
$
What you owe on your home Amount owed
$

Say hello
to cashflow.

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

Get Started How It Works
  • No-Risk Soft Credit Pull

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

  • Interest Only

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

  • Borrow up to $350k

    Access as much of your equity as possible—up to $350k with Lower®.

  • Free Refi for Life

    Limited time only. Get a Lower® HELOC, then pay no lending fees on future refinances, for life.*

Get the most out of your equity.

Access more equity to pay off more debt. By unlocking up to 95% of your home’s equity, you can pay off more debt than other lenders only offering up to 80%.

Borrow more.

Us

$62,500 | 95% LTV

Them

$25,000 | 80% LTV

Compare your options.

Up to 95% LTV
Interest Rate
Loan Term
Monthly Payments
Flexible Spending
Free Refi for Life*
Up to 95% LTV
Interest Rate Lowest
Loan Term 10 YRS
Monthly Payments Lowest
Flexible Spending
Free Refi for Life*

Personal Loan

Up to 95% LTV N/A
Interest Rate Highest
Loan Term 1-5 YRS
Monthly Payments Highest
Flexible Spending
Free Refi for Life*

Traditional HELOC Avg. HELOC

Up to 95% LTV
Interest Rate Average
Loan Term 10 YRS
Monthly Payments Average
Flexible Spending
Free Refi for Life*
Tell Me More

Why people love working with us.

Very outstanding.

The process went quicker than I expected and Logan was up to date on all steps of the process. I would recommend him to anyone buying or refinancing.

aaheatandcoo | Spring Lake, MI

Better than imagined.

This is not my first refinance. Geza Rakoczi was extremely professional and went above and beyond to make sure our refi went smoothly and got it done!

dkeil9 | Miami, FL

Extremely professional

I recently refinanced my primary residence and took out a HELOC through Lower. Throughout the entire process Scott kept me informed with updates, was extremely responsive and very professional.

Derek N | Castle Rock, CO

Very knowledgeable

Jared did an amazing job consolidating all of our debt and putting us into a great loan! I highly recommend working with him. He was always available when I had questions.

kyle41eshleman | Cleveland, OH

Clear & easy process.

With rates rising I needed to refinance my variable rate mortgage - Ryan provided options and helped me get into a low fixed rate in a few weeks.

jdmasdea | Canton, GA

Top Professional

Jared worked closely with us to provide refinance/HELOC options, kept us in the loop through every step of the process, and was always very responsive to any questions or concerns.

kauailover | Pittsburgh, PA

Highly Recommend!

Miles was incredibly kind and helpful through the entire process. We had never purchased a home before, but Miles helped keep us at ease.

Madeline Hoffman | Cincinnati, OH

Great experience.

Everything went smooth and fast, always available to take your calls and messages. Will highly recommend for any new home owners.

Anonymous user | Beaumont, TX

— 1300+ customer reviews

— 98.6% customer satisfaction

M-F: 9AM - 6PM | SAT: 10AM - 4PM EST | SUN: CLOSED

Please enter your first and last name

Please enter a valid email

Please enter your phone number

Please enter your zip code

Please enter what you are interested in

*By entering your phone number and clicking “Submit” you agree that Lower may call and text you with offers and other information, including through the possible use of an auto dialer and prerecorded messages, at the number you provided. You are not required to consent in order to obtain a loan.

Success!

We'll call you ASAP.

Ready to take another step? Our super simple application takes most people about 7 - 10 minutes. We look forward to chatting with you soon!

Keep Going I'm Done
Hmmm...

Try one more time.

We're sorry, it seems that your inquiry wasn't submitted successfully. Please try again. If you continue to have issues please call the number below.

Try Again I'm Done
Call (844) 64-LOWER

*By entering your phone number and clicking the arrow button you agree that Lower may call and text you with offers and other information, including through the possible use of an auto dialer and prerecorded messages, at the number you provided. You are not required to consent in order to obtain a loan.

M-F: 9AM - 6PM | SAT: 10AM - 4PM EST | SUN: CLOSED

Please enter your phone number

Please enter your first and last name

Please enter your zip code

Please enter what you are interested in

*By entering your phone number and clicking “Submit” you agree that Lower may call and text you with offers and other information, including through the possible use of an auto dialer and prerecorded messages, at the number you provided. You are not required to consent in order to obtain a loan.

Success!

We'll text you ASAP.

Ready to take another step? Our super simple application takes most people about 7 - 10 minutes. We look forward to chatting with you soon!

Apply Now I'm Done
Hmmm...

Try one more time.

We're sorry, it seems that your inquiry wasn't submitted successfully. Please try again. If you continue to have issues please call the number below.

Try Again I'm Done
Call (844) 64-LOWER

*By entering your phone number and clicking the arrow button you agree that Lower may call and text you with offers and other information, including through the possible use of an auto dialer and prerecorded messages, at the number you provided. You are not required to consent in order to obtain a loan.

Please enter your first and last name

Please enter a valid email

Please enter your phone number

We'll be in touch soon.

View open positions

Hmmm. That didn't work.

Try one more time
Lower Application