Access funds for renovations, debt consolidation, or big goals with ease.
Our process is simple and hassle-free. Let’s make homeownership a reality.
Simplify the process and save with competitive rates tailored to your goals.
We connect you with the right loan to bring homeownership within reach.
Renovate or pay off high-interest debt with the Lower™ HELOC. Over 30K five-star reviews.
Apply now - As low as 8.75%
Get the max. While others stop at 80% LTV, we offer up to 95%.
Seeing if you qualify is super easy and won’t impact your credit.
A super low monthly payment so you can use that extra cash to get to a better place.
Access as much of your equity as possible—up to $500k with Lower.*
Buy or refinance once with Lower, and we’ll cover the lending fees on your refinances, for life.*
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
“Lower is Top Notch”
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.
Lower.com 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...
The whole process from start to finish was easy with Lower.com. My lender was always there and answered any questions I had and made it work for me to close.
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.
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.
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...
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.
Lower was very responsive, attentive to detail, and a pleasure to work with throughout the process.
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 Lower.com.
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.
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."
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.
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!
Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.
Buy now or refinance now and know you can lower your rate later with peace of mind.
Advertised offers are not guaranteed if you do not continue to meet Lower’s criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners’ association dues. Since costs can vary based on a loan program, closing costs are not shown in examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Lower’s underwriting and Investor requirements. Interest rate examples are as of 03/17/2025. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
© 2025 Lower, LLC | NMLS#1124061 | www.nmlsconsumeraccess.com | 2021 Lower Holding Co. Lower is a family of Companies. Conducts business as Lower.com, LLC in 38 States. Arizona, Arkansas, California, Connecticut, Delaware, District of Columbia, Florida, Idaho, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts. Minnesota, Mississippi, Missouri, Montana (Lowerdotcom, LLC), Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma (Lower Mortgage, LLC), Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.
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.
Based on the information inside of the calculator, with a home value of $437K and $252K left on the loan.
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