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.
Excellent communication and customer service. Was very patient with my many technical difficulties
Eric C.
Verified Customer
July 3, 2026
Amazing communication. Made me feel like family!
Peyton R.
Verified Customer
June 9, 2026
It's all with how he lets you know what's needed to better assist his Customers to ascertain thte they're seeeking. He's The Doc because he makes sure all is well from start to finish.
Nikita L.
Verified Customer
July 25, 2026
Quick closing process and constant communication.
Maria B.
Verified Customer
July 25, 2026
Exceptional service from start to finish! Patrick was professional, honest, and worked diligently to secure the best mortgage for me.
Peter N.
Verified Customer
July 6, 2026
Melanie and her entire team were great from start to finish. I was very nervous buying my first house, but everything was smooth and timely. Melanie was always there to answer questions, and the team was highly responsive. Forever grateful for your help.
Tara C.
Verified Customer
July 31, 2026
Clear, professional, timely. Greatest experience!
Haley R.
Verified Customer
June 29, 2026
He was really knowleage it was couple error they did at the beginning like the origination loan at 5% but he corrected and everything el was smoot h
Lismary R.
Verified Customer
July 31, 2026
Secured a very competitive interest rate , wonderful customer service, great team
Susan P.
Verified Customer
June 19, 2026
Explained everything help ed helped us understand costs and everything we need to do
William F.
Verified Customer
August 18, 2026
Jimmy McFarland made my home-buying experience incredibly smooth and stress-free from start to finish. He was always available to answer my questions, kept me updated every step of the way, and worked hard to make sure everything stayed on track. His knowledge, professionalism, and genuine care for his clients made all the difference, and I always felt confident knowing he had my best interests in mind. I highly recommend Jimmy to anyone looking for a lender who is responsive, trustworthy,… and truly goes above and beyond.
Kyah M.
Verified Customer
June 23, 2026
Nick is simply the best . I had a great experience.
Emily B.
Verified Customer
July 19, 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.