Schedule a call
Hey there,
Lower

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.

Schedule a call
Welcome to HomePerks

Let's save you some money.

Women checking phone
1
Just a quick chat.

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

Person on computer
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.

Dad and son embracing
3
Celebrate the savings.

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

Yaaaas.

You're gonna like these numbers.

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Total Savings
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Based on market home price of 

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*Title and Realty credits apply to purchase loans only

HomePerks will have you saving thousands.
Lender Credit
1%
$4,000
Realty Credit
1%
$4,000
Total Savings
$8,000

Based on 20% down with market home price of $400,000 

*Title and Realty credits apply to purchase loans only.

You’ve probably got 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?

When do my HomePerks kick in?

How much does HomePerks cost?

Can I combine my HomePerks with other offers?

Here when you’re ready.

Get a call
HomePerks™ is a product of Lower Holding Company | 5950 Symphony Woods Rd. Suite 312, Columbia, MD 21044
Equal Housing Lender Icon

EQUAL HOUSING LENDER

|

NMLS ID #1124061

|

Copyright © 2025  Lower. All rights reserved.

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nmlsconsumeraccess.org

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Welcome to your most valuable perk ever

Access thousands of dollars in savings when you buy a home or refinance
. It's that easy!

Setup just takes a few simple steps.

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

Scan to get started

You're gonna like these numbers.

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

Lender Credit

1%

$4,000

Realtor Credit

1%

$4,000

Total Savings

$4,000

*Based on the market average home price of $400,000 with 20% down payment. Maximum lender credit is $12,000. Title and Realty credits apply to purchase loans only. Credits subject to change depending on the loan program and pre-established qualification criteria.

A home loan built for you.

Owning a home is one of the greatest wealth builders out there. So 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
HomePerks™ is a product of Lower, LLC
Lower, LLC. NMLS ID# 1124061. nmlsconsumeraccess.org. Equal Housing Opportunity Lender.  HomePerks™ is a trademark of Lower Holding Company. This information is solely for professionals and should not be distributed or provided to consumers or the general public. All information is subject to change.  Lower, LLC DBA Homeside Financial. NMLS ID# 1124061. nmlsconsumeraccess.org. 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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Welcome to your most valuable perk ever

Access thousands of dollars in savings when you buy a home or refinance
. It's that easy!

The average employee can save over $8,000!

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 by offering market rates with massive rebates.

What to share

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

How they get started

1
Employees schedule a quick chat with the HomePerks team.
2
Their loan advisor guides them the entire way.
3
Time to celebrate the savings!

They're gonna like these numbers.

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1%

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1%

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Total Savings

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*Based on the market average home price of
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with 20% down payment. Maximum lender credit is $12,000. Title and Realty credits apply to purchase loans only. Credits subject to change depending on the loan program and pre-established qualification criteria.
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Sample Messaging

Intro Message

Subject: Welcome to HomePerks—our new
benefit launching soon.

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 $4,000 at closing. Just go to
This is some text inside of a div block.
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 $4,000 at closing. Just go to
This is some text inside of a div block.
to schedule a quick chat with the HomePerks team. Attached is a flyer with more details on how much you can save with HomePerks through these massive rebates.
HomePerks™ is a product of Lower, LLC
Lower, LLC. NMLS ID# 1124061. nmlsconsumeraccess.org. Equal Housing Opportunity Lender.  HomePerks™ is a trademark of Lower Holding Company. This information is solely for professionals and should not be distributed or provided to consumers or the general public. All information is subject to change.  Lower, LLC DBA Homeside Financial. NMLS ID# 1124061. nmlsconsumeraccess.org. 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.