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.
always communicated was great
Richard S.
Verified Customer
October 2, 2026
I am incredibly grateful to Irma for how smoothly she managed my loan from day one. From my initial inquiry to the final funding, she handled the entire process with complete professionalism and efficiency. What really set Irma apart was her gr…eat communication and fantastic sense of humor. Mortgage paperwork is notoriously dry, but she kept the mood light and stress-free while still executing every detail flawlessly. She answered all of my questions clearly, kept me updated at every milestone, and genuinely cared about getting everything done right. I deeply appreciate her hard work and highly recommend Irma to anyone looking for a lender who is exceptionally competent but also great to work with
Noah M.
Verified Customer
August 4, 2026
Michael has been awesome as we struggled through this loan process for the first time ever! He was always available to answer questions, and we had plenty! Thank you so much!
Penny P.
Verified Customer
August 28, 2026
Dyan was amazing throughout my entire homebuying process. She was professional, knowledgeable, communicative, and always kept me informed. Even through the challenges, she never gave up and continued working until we made it to the closing tabl…e. I truly appreciate every call, text, update, and everything she did behind the scenes. I couldn’t have asked for a better loan officer, and if I had to do it all over again, I would choose Dyan without hesitation. Thank you for helping me become a homeowner!
Ashley M.
Verified Customer
September 11, 2026
Working with Brian and his team was a pleasure. They were responsive, fast, and most importantly delivered on everything they said they would. I would highly recommend them to anyone in need of financing a home.
Mario D.
Verified Customer
July 14, 2026
Communications with my client and myself was excellent.
Rick S.
Verified Customer
September 29, 2026
I had an absolutely wonderful experience working with my Erick throughout the process of purchasing my first home. From the very beginning, he was very professional, responsive, knowledgeable, and always willing to answer my questions and expla…in every step of the process. Buying a home can be stressful, but having a lender who communicated clearly and kept everything moving made such a huge difference. He was patient, supportive, and truly went above and beyond to make sure everything went smoothly, especially during the final stages leading up to closing. I’m extremely grateful for his help and professionalism. I would definitely recommend Erick to anyone looking to purchase a home. Thank you for helping make such an important milestone a great experience! 🏡❤️
Karely M.
Verified Customer
August 26, 2026
TJ was great to work with throughout the whole process. This was my first time buying a home and using a VA loan, and she made the process smooth and easy to navigate. She was always responsive, answered any questions I had, and kept everything… moving through closing. I really appreciate everything she did for us and had a great experience working with her.
Jared P.
Verified Customer
September 9, 2026
Kristen was very communicative and easy to talk to. She explained everything and answered all of our questions. In person she was absolutely amazing. Very personable and polite. I had a wonderful experience overall.
Melissa B.
Verified Customer
September 24, 2026
I truly appreciate that Leslie made an overwhelming task understandable. She was patient with my limitations. Her suggestions were quite helpful. I would gladly reccomend her to anyone.
Jerry O.
Verified Customer
September 15, 2026
Lisa stayed connected at all point in process and was always available to answer questions. She was amazing to work with.
Todd B.
Verified Customer
August 28, 2026
Clear communication throughout the whole process.
Jonah V.
Verified Customer
August 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.