© 2023 Lower Holding Company. Lower is a family of companies. Lower® and its DBAs (Homeside Financial, AMSW Lending, Fairfax Mortgage, Key Mortgage Group, Lakeside Mortgage, Q Home Loans, and True Lend) provide home loans; Lower Realty, LLC provides real estate services; Homeside Insurance Services, LLC facilitates shopping experience for homeowner’s insurance policies. All rights reserved. Conducts business as “Lower.com,LLC” in Kentucky, and Washington in lieu of Lower, LLC. Conducts business as “Lowerdotcom,LLC” in Montana in lieu of Lower, LLC. Conducts business as “Lower Mortgage,LLC” in Oklahoma in lieu of Lower, LLC. Home lending products offered by Lower | NMLS #1124061 | 8621 Robert Fulton Drive, Suite 150, Columbia, Maryland 21046 | nmlsconsumeraccess.org | equal housing lender

Rates, terms, and qualifying details not applicable to stand-alone HELOC options. A HELOC combination product (or HELOC Combo) is a combination transaction of refinancing your existing mortgage at the same time as obtaining a subordinate HELOC loan. Its primary purpose is to allow our customers to borrow additional money in order to qualify for a main mortgage without paying for private mortgage insurance and/or contribute towards closing costs.

Lower home equity line of credit (HELOC) annual percentage rate (APR) is variable and is based on the value of an index plus a margin. The index is the highest rate of interest identified as the 'Prime Rate' in the 'Money Rates' section of the Wall Street Journal.

*Your APR may be higher and will be based on the variable-rate index value in effect at the time of account opening, your credit qualifications, amount of the line of credit, Loan-to-Value (LTV) ratio, and type of property. Your APR will not exceed 18% and your APR may not drop below 4%.

**Maximum LTV and loan amount sought dependent on borrower eligibility, and limited to properties located within specific states and counties. Product is only available in states where Lower is licensed (see nmlsconsumeraccess.org link below). Please call for complete details. $15,000 minimum loan amount required. No annual fee. HELOC transactions are subject to a 1% origination fee. Borrower is responsible for paying required government taxes and fees at closing. By entering in your phone number and email address, and clicking “Let's get started”, you agree that Lower may contact you via an automated telephone dialing system, text message, and email with offers and other information. Phone number is required. Please complete the required field or call to apply at 833-519-9579. You are not required to consent in order to obtain a loan.

Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required as well.

Please consult your tax advisor regarding the deductibility of interest.

*Free Refi for Life: Offer not valid for subordinate simultaneous closings and only applicable for first lien mortgage loans. Offer exclusively waives Lower retained fees, to include: origination, underwriting, processing, or administrative fees. Offer not applicable for discount points, or any third-party settlement service fees, such as Title, Settlement, Appraisal, Credit report, Commissions, or other similar settlement provider fees. Customer must have closed previous refinance transaction with Lower at least six (6) months prior to any subsequent applications. All applications are subject to underwriting and credit approval. Other restrictions may apply. Call for complete details.