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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

Excellent communication and customer service. Was very patient with my many technical difficulties

Eric C.

Verified Customer
5.0

Amazing communication. Made me feel like family!

Peyton R.

Verified Customer
5.0

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
5.0

Quick closing process and constant communication.

Maria B.

Verified Customer
5.0

Exceptional service from start to finish! Patrick was professional, honest, and worked diligently to secure the best mortgage for me.

Peter N.

Verified Customer
5.0

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
5.0

Clear, professional, timely. Greatest experience!

Haley R.

Verified Customer
5.0

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
5.0

Secured a very competitive interest rate , wonderful customer service, great team

Susan P.

Verified Customer
5.0

Explained everything help ed helped us understand costs and everything we need to do

William F.

Verified Customer
5.0

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
5.0

Nick is simply the best . I had a great experience.

Emily 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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