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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

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
5.0

I feel you went way beyond just being a vendor. 4hsnk you for calming me down when I was panicibg.

Carol R.

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

Casey was very punctual and was attentive to his clients budget.

Roderick R.

Verified Customer
5.0

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
5.0

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
5.0

Josh takes his time to explain things very clearly, is responsive , knowledgeable, and trustworthy .

Jennifer T.

Verified Customer
5.0

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
5.0

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
5.0

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
5.0

Wonderful to work with and very helpful

Katelyn G.

Verified Customer
5.0

Professionalism, fast communication,

Rudy L.

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.

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