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Hey there, !

You've got the most valuable work perk. Ever.

Homeownership should be affordable. HomePerks helps you get there with thousands of dollars in mortgage savings. That way, when you buy or refinance your home, you’ve got plenty to celebrate.

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Welcome to HomePerks

Let's save you some money.

homeperks1
1

Just a quick chat.

Pick a time to get started with your HomePerks team. We'll give you a call. Easy peasy.

homeperks2
2

Buy a home or refinance.

Just say the word when you’re ready to buy or refinance your home. We’ll take it from there.

homeperks3
3

Celebrate the savings.

Let’s lower your closing costs to make that major purchase more affordable.

You're gonna like these numbers.

HomePerks will have you saving thousands.

Waived lender fees (Savings up to $1995)

Preferred, discounted rates*

Priority underwriting

*Contact us for additional details. Some restrictions apply.

You probably have some questions.

How do I access my HomePerks?

When you’re ready to buy a new home or refinance your current one, you can claim your home savings benefits by scheduling a call.

Can anyone use HomePerks?

HomePerks is for employees of only. While a co-borrower may be added to your loan, the savings benefit can be used only once per home loan transaction.

When do my HomePerks kick in?

As soon as you sign up, you have access. Whenever you’re ready, you can claim your savings benefit on purchase and refinance home loans.

How much does HomePerks cost?

That’s the best part. As long as you’re an employee of , your HomePerks are completely free to you, saving you thousands of dollars when you buy or refinance a home with the HomePerks program.

Can I combine my HomePerks with other offers?

The closing cost benefits you claim when buying or refinancing your home may not be combined with subsequent offers with the HomePerks lender.

Privacy Policy | SMS Privacy Policy | SMS Terms & Conditions | License Information | Terms Of Use | Lender Fees | Disclaimers | Consumer Access | California | Massachusetts | Texas

 |  NMLS ID #1124061  |  nmlsconsumeraccess.org  |  Copyright © 2026 Lower. All rights reserved.  |  lower.com
Lower, LLC | 5950 Symphony Woods Road Suite 312, Columbia MD 21044 | Lower, LLC | NMLS ID# 1124061 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. By refinancing your existing loan, your total finance charge may be higher over the life of the loan. The closing cost benefits you claim when buying or refinancing your home may not be combined with subsequent offers from the HomePerks lender. Savings estimates are based on available information and are for illustrative purposes only. Actual savings and costs may vary and are not guaranteed. This information should not be construed as a guarantee, commitment, or exact offer of lending terms or financial benefits. Credits subject to change depending on loan program and pre-established qualification criteria. HomePerks is a product of Lower, LLC. HomePerks is a trademark of Lower Holding Company. This information is solely for professionals and should not be distributed or provided to consumers of the general public. All information is subject to change. Lower, LLC DBA Homeside Financial. NMLS ID# 1124061. Equal Housing Opportunity Lender. This advertisement is not a loan approval or commitment to lend. All loans are subject to approval. Loan programs, terms, and conditions are subject to change without notice. Other restrictions may apply, call for details.
Lower Flyer
+

Welcome to the most
valuable perk ever.

Access thousands of dollars in savings when you
buy a home or refinance.

Setup is just a few simple steps:

1
Just a quick chat.
2
Buy a home or refinance.
3
Celebrate the savings.

You're gonna like these numbers.

HomePerks lets you save big every time you buy or refinance your home.

Waived lender credit fees - $1,995
Preferred, discounted interest rates
Priority underwriting

*Contact us for more details. Some restrictions apply.

A home loan built for you.

Owning a home is one of the greatest wealth builders out there. Our goal is to make homeownership more accessible, and to help more people buy homes.

The best product options.

  • FHA
  • Conventional
  • VA
  • 5/5 ARM
  • Jumbo
  • USDA
  • Cash-Out Refi
  • 95% LTV Combo
  • 95% LTV HELOC
 |  NMLS ID #1124061  |  nmlsconsumeraccess.org  |  Copyright © 2026 Lower. All rights reserved.  |  lower.com
HomePerks is a product of Lower, LLC. HomePerks is a trademark of Lower Holding Company. This information is solely for professionals and should not be distributed or provided to consumers of the general public. All information is subject to change. Lower, LLC DBA Homeside Financial. NMLS ID# 1124061. Equal Housing Opportunity Lender. This advertisement is not a loan approval or commitment to lend. All loans are subject to approval. Loan programs, terms, and conditions are subject to change without notice. Other restrictions may apply, call for details.
Lower Flyer – Beneplace
Lower +

Welcome to the most
valuable perk ever.

Access thousands of dollars in savings when you
buy a home or refinance.

HomePerks

The average employee saves about $7,000!

Program recap

Whether they own a home or want to own one in the future, HomePerks saves your employees thousands of dollars when they finance or refinance their home.

What to share

Use the messages below to share HomePerks with employees via email, or even your company's intranet. We'll provide you with a flyer you can attach along with it.

How they get started

1
Employees visit the HomePerks website and fill out a quick form.
2
Schedule a quick chat with the HomePerks team.
3
Their loan advisor guides them the entire way.

You're gonna like these numbers.

HomePerks lets you save big every time you buy or refinance your home.

Waived lender credit fees
Preferred, discounted interest rates
Priority underwriting

*Contact us for more details. Some restrictions apply.

Sample Messaging

Intro Message

Subject: Welcome to HomePerks—our new benefit launching XX/XX

Body: Exciting news! You now have access to a new benefit that makes owning a home more affordable in a BIG WAY, called HomePerks. If you're a current homeowner, or thinking of buying a new home, this one's for you. With HomePerks, the average homebuyer saves over $7,000 at closing. Just go to www.lower.com/homeperks/ to schedule a quick chat with the HomePerks team. Attached is a flyer with more details on how much you can save with HomePerks.

 |  NMLS ID #1124061  |  nmlsconsumeraccess.org  |  Copyright © 2026 Lower. All rights reserved.  |  lower.com
HomePerks is a product of Lower, LLC. HomePerks is a trademark of Lower Holding Company. This information is solely for professionals and should not be distributed or provided to consumers of the general public. All information is subject to change. Lower, LLC DBA Homeside Financial. NMLS ID# 1124061. Equal Housing Opportunity Lender. This advertisement is not a loan approval or commitment to lend. All loans are subject to approval. Loan programs, terms, and conditions are subject to change without notice. Other restrictions may apply, call for details.

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