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.
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.
Cash-Out Refinance
Replace your mortgage and get cash for your equity.
Home Equity Loan
Turn your home’s equity into cash with a fixed-rate loan.
HELOC
Access a revolving credit line with flexible withdrawals and payments.
Work with a Lower Advisor to get personalized equity options.
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.
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.
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.
Jimmy made everything smooth and easy and helped us along the way with everything. it was a very stress free experience and that is all I ask when closing on a property. He made it great for us!
Lisa K.
Verified Customer
August 9, 2026
I feel you went way beyond just being a vendor. 4hsnk you for calming me down when I was panicibg.
Carol R.
Verified Customer
May 28, 2026
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
August 3, 2026
Casey was very punctual and was attentive to his clients budget.
Roderick R.
Verified Customer
June 6, 2026
Shonna Lee was very communicative and friendly. She was also available whenever we needed her and made the loan/home buying process extremely clear and easy for us.
Elaine H.
Verified Customer
July 29, 2026
Thank you so much! Shonna and her team took such great care of us throughout the entire process. She was always ready to answer our questions and give such helpful advice.
Bryan H.
Verified Customer
August 9, 2026
Josh takes his time to explain things very clearly, is responsive , knowledgeable, and trustworthy .
Jennifer T.
Verified Customer
June 8, 2026
Working with our mortgage lender was an outstanding experience from start to finish. He made what can often be a stressful process feel easy and manageable by keeping us informed every during the entire process
Dennie M.
Verified Customer
July 21, 2026
Her patience, Cheryl explaining and guiding my client step by step, was the best and most satisfying experience that any first-time homeowner can have. Thanks Cheryl
Eva F.
Verified Customer
July 30, 2026
Marc was great! He is knowledgable and friendly, but he also was patient and understanding with my situation. He helped me understand the entire process from application to closing. I felt as though Marc was really working FOR me and that he was sincere with his advice. If I ever need a loan again, I will definitely be calling Marc!
Deborah S.
Verified Customer
August 11, 2026
Wonderful to work with and very helpful
Katelyn G.
Verified Customer
July 22, 2026
Professionalism, fast communication,
Rudy L.
Verified Customer
August 18, 2026
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.
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.*
No lending fees
Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.
Worry free
Buy now or refinance now and know you can lower your rate later with peace of mind.