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. See today's HELOC rates.
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.
Erik is extremely knowledgeable in all aspects of home mortgage and financial matters. His guidance throughout our HELOC process was outstanding and he was able to make the complicated process of the loan very simple for us. We are very satisfi…ed with Erik and will definitely use him again when the need arises. Ken and Mary Moriarty Colleyville, TX
Ken M.
Verified Customer
September 17, 2026
Christine expedited approval for my HELOC and delivered my funds in record time. Thank you Christine!
Jeffrey L.
Verified Customer
June 27, 2026
Farryl was excellent to work with. She was patient, responsive, and stayed involved through a complicated HELOC process. She kept me updated, helped solve every issue, and made sure the transaction was completed successfully. I truly appreciate… her professionalism and dedication.
Tobi N.
Verified Customer
July 19, 2026
Farryl was responsive, patient, and worked hard through a complicated process. She kept me updated, found solutions when issues came up, and helped get the HELOC completed successfully.
Tobi M.
Verified Customer
July 18, 2026
I worked with Miquel Esersky on a HELOC loan. The experience was great, easy application, quick approval, great deal and it funded in 7 days from application. I highly recommend Miquel and The Esersky Group for real estate loans!
Brian B.
Verified Customer
March 24, 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.