Advice Close
Advice Close
Full Expand
Advice Close
Official Mortgage Partner of the Columbus Crew
Learn more
Close icon

Everything for your home, for Lower.

The place to finance, buy, sell, insure or save for a home.
Everything you need. One amazing experience. All for less.

Buy a home.

Rate
APR

Today's Rate

X.XXX%

Today's APR

X.XXX%
Mortgage
Compare rates

Refinance.

Rate
APR

Today's Rate

X.XXX%

Today's APR

X.XXX%
Mortgage
Calculate savings

Save up.

Get it on
Apple app store icon
&
Google Play Store

Account APY

0.75%
FDIC Insured
Start saving

Find a realtor.

Agents Nationwide

1505
Real Estate
Match with an agent

Insure.

Avg. Annual Savings

$894
Home Insurance
Get quote

What can we help you Lower today?

“I couldn’t have asked for a better experience with Lower!” 4.9

(10,000+)

Lower rates. All day.

See how Lower.com stacks up to the national average, as well as a few top lenders.

Today's average mortgage rate is

Today's average mortgage APR is

X.XXX%

X.XXX%

*.

See how Lower.com stacks up to the national average, as well as a few top lenders.

Today's average mortgage rate is

Today's average mortgage APR is

X.XXX%

X.XXX%

*.

Learn more
Compare
30-Year
15-Year

Lower®

Above market average
Below market average
Above market average
Below market average
Rate
X.XXX%
APR
X.XXX%
Diff. From Avg.
.XX%
Diff. From Avg.
.XX%

Quicken Loans®

Above market average
Below market average
Above market average
Below market average
Rate
X.XXX%
APR
X.XXX%
Diff. From Avg.
.XX%
Diff. From Avg.
.XX%

Wells Fargo®

Above market average
Below market average
Above market average
Below market average
Rate
X.XXX%
APR
X.XXX%
Diff. From Avg.
.XX%
Diff. From Avg.
.XX%

Lower®

Above market average
Below market average
Above market average
Below market average
Rate
X.XXX%
APR
X.XXX%
Diff. From Avg.
.XX%
Diff. From Avg.
.XX%

Quicken Loans®

Above market average
Below market average
Above market average
Below market average
Rate
X.XXX%
APR
X.XXX%
Diff. From Avg.
.XX%
Diff. From Avg.
.XX%

Wells Fargo®

Above market average
Below market average
Above market average
Below market average
Rate
X.XXX%
APR
X.XXX%
Diff. From Avg.
.XX%
Diff. From Avg.
.XX%
Today's Rates
View APR

A product to fit your every need.

Conventional

Once you apply we'll evaluate your current home loan and household finances. Don't worry, if you're overqualified, we likely have another Refinance product just right for you. If you're under qualified, we may be able to save you money on your home in other ways. Just give us a chance. ☺️

FHA

The RefiNow product is aimed to help those that have a Fannie Mae Loan that were affected by the Covid-19 pandemic. You can check your loan at: https://www.knowyouroptions.com/loanlookup

Jumbo

When you apply for a Lower RefiNow loan we'll only do a soft credit check to ensure we don't impact your credit score. Once you know your loan options and want to proceed, we'll ask your permission to do a hard credit check.

Combo

As a participant in the RefiNow program with Lower, you will receive a $500 credit towards the cost of an appraisal should you require one to determine the current value of your home.

5/5 ARM

As a participant in the RefiNow program with Lower, you will receive a $500 credit towards the cost of an appraisal should you require one to determine the current value of your home.

USDA

As a participant in the RefiNow program with Lower, you will receive a $500 credit towards the cost of an appraisal should you require one to determine the current value of your home.

VA

As a participant in the RefiNow program with Lower, you will receive a $500 credit towards the cost of an appraisal should you require one to determine the current value of your home.