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Home Equity Loan

Unlock Your Home Equity Potential

Tap into your home’s value with ease, competitive rates, and expert support from Lower’s home equity lending team.

No-impact credit check. No commitment.
50,000+ Five-Star Reviews
5.0 3,100+ reviews
4.9 2,600+ reviews
4.9 4,300+ reviews
4.9 43,900+ reviews
Home Equity Options

Choose the best way to access your home’s equity.

Whether you need flexible home equity financing, a one-time lump sum, or to refinance for extra cash, each option is tailored to meet your financial goals.

A better, all-digital experience.

Best for large, one-time cash needs.

Cash-Out Refinance

Replace your mortgage and get cash for your equity.

Best for set-cost, one-time projects

Home Equity Loan

Turn your home’s equity into cash with a fixed-rate loan.

Best for flexible, ongoing funds

HELOC

Access a revolving credit line with flexible withdrawals and payments.

Work with a Lower Advisor to get personalized equity options.

1

Get Started

Take 5 minutes to complete our online application, and we’ll connect you with the best home equity financing option for your needs.

2

Customize Your Options

We’ll schedule a quick call with one of our expert loan advisors to help build a home equity solution that’s right for you.

3

Access Your Equity

Your dedicated loan officer will guide you every step of the way, helping you access your home’s equity quickly and confidently from home.

50,000+ five star reviews and counting.

5.0

Tanya was Amazing & very knowledgeable with rules & regulations. I will recommend to anyone who needs loan!

Byung K.

Verified Customer
5.0

wonderful to work with! Highly recommend

Kriston W.

Verified Customer
5.0

Jeff and his team made things very easy for myself who was a first time home buyer and never been through this before. They were quick to answer any questions i had and very understanding and accommodating if i needed time to get a document or something else. Overall a very good experience and would highly recommend him to a friend.

Robert C.

Verified Customer
5.0

excelente muy eficiente y rapidez para todo el proceso gracia.

Victor G.

Verified Customer
5.0

Becky was beyond diligent in processing this loan esp since there were so many last minute changes she had to stay on top of and did! Extremely professional yet personable and gets it done. Would highly recommend Becky and I will utilize her services again!

Melody S.

Verified Customer
5.0

Working with Mr. Bobby Matthews and his team was truly an outstanding experience. From the very beginning, they demonstrated professionalism, dedication, and a genuine commitment to making the home-buying process as smooth as possible. Purchasing a new home can often feel overwhelming, but Mr. Matthews made every step clear, organized, and stress-free. One of the most impressive aspects of working with him was his communication and responsiveness. He consistently provided timely updates and important information throughout the process. Whenever I had questions or concerns, he was readily available and quick to respond. His reliability gave me confidence and peace of mind from start to finish. Beyond his responsiveness, Mr. Matthews' knowledge and expertise truly set him apart. His understanding of the market, attention to detail, and commitment to my best interests were evident in every interaction. It was clear that he genuinely cared about helping me make informed decisions and ensuring a positive experience. Overall, this was an exceptional experience, and I am incredibly grateful for the support and guidance Mr. Matthews and his team provided. I wholeheartedly recommend him to anyone looking to purchase a new home. If you're looking for a knowledgeable, dependable, and dedicated professional, Mr. Bobby Matthews is an excellent choice. I will gladly refer him to my friends and family without hesitation.

Marquis C.

Verified Customer
5.0

Mike was clear with his communication and suggestions. He made the process easy, even when there were some changes required at the end, the team made the adjustments quicklhy after communicating everything clearl, allowing us to still close on time.

Nick C.

Verified Customer
5.0

Landon and the team guided us through this process very professionally. We were worried being out of state and handling much of this through the computer and phone, he made it comfortable and seamless. Always available and willing and able to help, we couldn't ask for more. Thank you!

Jonathan D.

Verified Customer
5.0

I cannot say enough great things about Zach! My husband and I worked with him to buy our dream home and he made the process so smooth. Communication was always clear. He was prompt to reply to all my emails. He even worked closely with my realtor which was greatly appreciated. I recommended him to my brother who’s about to begin house hunting and would recommend to anyone who’s looking for an amazing lender!

Maria N.

Verified Customer
5.0

TJ is WONDERFUL to work with. Professional, knowledgeable and a true pleasure to work with. TJ takes the stress out of buying your next home.

Lynda M.

Verified Customer
5.0

Ruth was kind, prompt, and truly cared about my closing going well. Thank you, Ruth!

Sharon L.

Verified Customer
5.0

She was very helpful

Cody B.

Verified Customer
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Flexible funds with a HELOC.

Need ongoing access to cash? With up to 95% loan to value, a HELOC from Lower works like a credit card backed by your home, offering interest-only payments during the draw period for flexible, on-demand borrowing.

Get a lump sum with a home equity loan

For big expenses you can plan, like renovations or debt consolidation, a home equity loan delivers a single, fixed-rate lump sum. Simple, predictable, and budget-friendly.

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Refinance your mortgage and cash out

Unlock extra cash with a cash-out refinance. Ideal for lowering monthly payments while tapping into your home’s equity for major expenses.

And refinance for free.
For life.*

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No lending fees

Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.

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Worry free

Buy now or refinance now and know you can lower your rate later with peace of mind.

Ready to get started?

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