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.
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.
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!
Jake and his team provided outstanding customer service we were able to close our deal in record time (19 days). Excellent feedback was also received from the title company regarding the lender.
"Robert Warne at Lower did a great job on my refinance and got me the best interest rate out of several lenders."
Based on the information inside of the calculator, with a home value of $437K and $252K left on the loan.