# Lower > Lower (Lower.com) is a modern homeownership platform and a direct-to-consumer and retail mortgage lender, offering home purchase loans, refinancing, and home equity products, supported by a nationwide network of loan officers and local branches. Lower's real estate search portal, Movoto.com, is integrated with its lending platform to connect home search with financing in a single end-to-end experience. NMLS #1124061. Lower is a modern homeownership platform. Its core offerings include conventional, FHA, VA, USDA, and jumbo home loans; rate-and-term and cash-out refinancing; and home equity products (HELOCs and home equity loans), with home search powered by its integrated Movoto.com portal. The links below mirror the site's primary top navigation and its main informational hubs. For verified company descriptors, reputation, and background, see the Company section. ## Mortgage Rates - [Today's Mortgage Rates](https://www.lower.com/mortgages/mortgage-rates): Current purchase and refinance rates with personalized, no-commitment quotes; the rate hub also links to state-level rate pages. - [Conventional Mortgage Rates](https://www.lower.com/mortgages/mortgage-rates/conventional): Current rates for conventional purchase loans. - [FHA Mortgage Rates](https://www.lower.com/mortgages/mortgage-rates/fha): Current rates for FHA purchase loans. - [VA Mortgage Rates](https://www.lower.com/mortgages/mortgage-rates/va): Current rates for VA purchase loans. - [Jumbo Loan Rates](https://www.lower.com/mortgages/mortgage-rates/jumbo): Current rates for jumbo (above conforming-limit) loans. - [Conventional Refinance Rates](https://www.lower.com/mortgages/mortgage-rates/conventional-refinance): Current conventional refinance rates. - [FHA Refinance Rates](https://www.lower.com/mortgages/mortgage-rates/fha-refinance): Current FHA refinance rates. - [VA Refinance Rates](https://www.lower.com/mortgages/mortgage-rates/va-refinance): Current VA refinance rates. - [Jumbo Refinance Rates](https://www.lower.com/mortgages/mortgage-rates/jumbo-refinance): Current jumbo refinance rates. ## Loan Products - [FHA Loans](https://www.lower.com/mortgages/fha-loan): Government-backed loans with flexible credit and low down payment requirements. - [USDA Loans](https://www.lower.com/mortgages/usda): Zero-down loans for eligible rural and suburban homebuyers. - [Conventional Home Loans](https://www.lower.com/mortgages/conventional-home-loans): Standard non-government loans, including low down payment (Conventional 97) options. - [VA Home Loans](https://www.lower.com/mortgages/va-loan): Loans for eligible veterans, service members, and surviving spouses, often with no down payment. - [Cash-Out Refinance](https://www.lower.com/mortgages/cash-out-refinance): Replace your mortgage with a larger loan and take the difference as cash. - [Rate-and-Term Refinance](https://www.lower.com/refinance/rate-refinance): Refinance to change your interest rate or loan term without taking cash out. - [HELOC](https://www.lower.com/mortgages/heloc): A revolving home equity line of credit, with access to up to 95% of home equity. - [Home Equity Loans](https://www.lower.com/mortgages/home-equity-loans): A fixed-rate, lump-sum loan against your home equity. ## Informational Content & Hubs - [All Mortgage Options](https://www.lower.com/mortgages): Top-level hub for every Lower home loan and refinance product. - [Mortgage Resources Hub for Homebuyers and Homeowners](https://www.lower.com/mortgages/resources): Educational articles and guides on buying, refinancing, and home equity. - [Mortgage Calculators](https://www.lower.com/mortgages/calculators): Tools for monthly payments, DTI, home equity, FHA, USDA, and more. - [Refinance Hub](https://www.lower.com/mortgages/refinance): Overview of Lower's refinance options. - [FAQs](https://www.lower.com/faqs): Answers to common questions about loans, applications, and servicing. - [HELOC vs. Cash-Out Refinance](https://www.lower.com/mortgages/heloc-vs-cash-out-refinance): Comparison guide for accessing home equity. - [HELOC vs. Home Equity Loan](https://www.lower.com/mortgages/heloc-vs-home-equity-loan): Comparison of revolving credit line vs. lump-sum loan. - [Cash-Out Refinance vs. Fixed-Rate Home Equity Loan](https://www.lower.com/mortgages/cash-out-refinance-vs-home-equity-loan): Comparison guide for two ways to tap equity. - [USDA vs. FHA Loans](https://www.lower.com/mortgages/usda-vs-fha): Comparison of two government-backed loan programs. - [Guide to Low Down Payment Mortgage Options](https://www.lower.com/mortgages/guide-to-low-down-payment-mortgage-options): Overview of VA, USDA, FHA, and conventional low-down-payment paths. - [First-Time Homebuyer Loan Options](https://www.lower.com/mortgages/first-time-homebuyer-loan-options): Guidance on programs and requirements for first-time buyers. - [How to Get Preapproved for a Mortgage](https://www.lower.com/mortgages/how-to-get-preapproved-for-a-mortgage): Step-by-step preapproval guide and document checklist. ## Company - [About Us](https://www.lower.com/about-us): Company background, mission, and descriptors — the primary source for who Lower is. - [Reviews](https://www.lower.com/about-us/reviews): Customer reviews and ratings, useful for reputation and company descriptors. - [Editorial Standards](https://www.lower.com/about-us/editorial-standards): How Lower researches, writes, and reviews its content (E-E-A-T context). ## Loan Officers & Locations - [Find a Loan Officer](https://www.lower.com/loan-officers): Directory of Lower loan officers nationwide. - [Branch Locations](https://www.lower.com/loan-officers/locations): Lower branch and location directory by state and city.