What can we help you Lower today?

The place to finance or refinance your home. Everything you need. One amazing experience. All for less.

What you need to know.

Want to know if you qualify for Rate & Term Refinance? 

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Morbi pharetra, quam a vehicula volutpat, tellus orci sodales mauris, id interdum elit dolor in enim. Morbi pharetra, quam a vehicula volutpat, tellus orci sodales mauris, id interdum elit dolor in enim.

Learn more

Three simple steps to save thousands

Save on your home payment and invest in your family.

“I couldn’t have asked for a better experience with Lower!” 4.9

(10,000+)

Step 1

Apply

Tell us about your household finances and current home loan.

Step 2

Qualify

We’ll advise you on your options and help you choose what's best.

Step 3

Save

Get breathing room in your budget and create financial peace.

Apply now

A home loan built for you.

The right loan. The best rate.

Once you've hit your financial goals, it's time to buy that home. We'll help you identify the right loan, get qualified, and find you the best rate.

Get loan advice with just one tap.

Know you're making the right moves.

We all need a guide when making big life decisions like buying a home. Your dedicated Lower Advisor is your trusted friend in the mortgage business.

"A guide in the wilderness."

Bob H.
5 Stars!
Verified Home Purchase

Save a Down Payment Faster

Higher interest for your home savings.

Crush your down payment goals faster with Lower's High-Yield .75% APY HomeFund. It's FDIC Insured keeping your money safe and growing until you're ready to buy.

We have the answers you’re looking for.

What if I’m not qualified?

Once you apply we'll evaluate your current home loan and household finances. Don't worry, if you're overqualified, we likely have another Refinance product just right for you. If you're under qualified, we may be able to save you money on your home in other ways. Just give us a chance. ☺️

Is my home loan eligible?

The RefiNow product is aimed to help those that have a Fannie Mae Loan that were affected by the Covid-19 pandemic. You can check your loan at: https://www.knowyouroptions.com/loanlookup

Will applying affect my credit score?

When you apply for a Lower RefiNow loan we'll only do a soft credit check to ensure we don't impact your credit score. Once you know your loan options and want to proceed, we'll ask your permission to do a hard credit check.

Will I have to pay for an appraisal?

As a participant in the RefiNow program with Lower, you will receive a $500 credit towards the cost of an appraisal should you require one to determine the current value of your home.

Imagine Being This Happy About a Home Loan

“Lower saved me so much money that I can breathe again.”

Jill — Verified App User

Brilliantlyclear
5 Stars!
App Store

Excellent way to save money on closing costs.

Lower.com has developed an easy to use app to help homebuyers ave money while slashing closing costs, not to mention their APY is the highest I’ve seen in months. The app matches dollar for dollar, up to $1000, to deduct from closing costs. You can also set up recurring deposits to earn additional money towards closing! I would highly recommend this app and Lower.com for you mortgage needs.

Cris105cma
5 Stars!
App Store

Incredible home savings features

Lower.com is a wonderful mortgage company that offers great interest rates. Their app is so user friendly and has a ton of incredible home savings features!!! This makes the entire process easy and stress free!

Robby Macs
5 Stars!
App Store

Awesome idea for an app

I love keeping my finances organized, and this app is amazing for that. The fact that I have a designated space for my down payment savings helps me stay focused on the goal, and the app continually helps keep me in check on my credit score as well. The best part is this is actually saving me money on my down payment with a great mortgage company! They will be knocking off $1,000 from my down payment, just for using this app!

TNEB4
5 Stars!
App Store

Super easy to use

Excellent way of setting and helping you meet home buying goals. Very easy to use.

Cris105cma
5 Stars!
App Store

Incredible home savings features

Lower.com is a wonderful mortgage company that offers great interest rates. Their app is so user friendly and has a ton of incredible home savings features!!! This makes the entire process easy and stress free!

Robby Macs
5 Stars!
App Store

Awesome idea for an app

I love keeping my finances organized, and this app is amazing for that. The fact that I have a designated space for my down payment savings helps me stay focused on the goal, and the app continually helps keep me in check on my credit score as well. The best part is this is actually saving me money on my down payment with a great mortgage company! They will be knocking off $1,000 from my down payment, just for using this app!

Brilliantlyclear
5 Stars!
App Store

Excellent way to save money on closing costs.

Lower.com has developed an easy to use app to help homebuyers ave money while slashing closing costs, not to mention their APY is the highest I’ve seen in months. The app matches dollar for dollar, up to $1000, to deduct from closing costs. You can also set up recurring deposits to earn additional money towards closing! I would highly recommend this app and Lower.com for you mortgage needs.

Shalette
5 Stars!
Apple app store IconGoogle play store Icon
Verified App User

Better than the competitors I've worked with and fast!

The process was easy. Arianna Graves worked very fast to get my loan closed in record timing! I was very impressed with the time. They're rates were excellent!

Marchelle B.
5 Stars!
Google Review
Apple app store IconGoogle play store Icon
Verified App User

Lower really cares

"I was very happy with Lower and the entire refinancing experience. You can tell Lower really cares about the customer and wants to make the experience as good as possible for the customer."

J.
5 Stars!
Google Review
Apple app store IconGoogle play store Icon
Verified App User

I was approved!

"My score wasn't the best but Adam was pretty confident he could work something out and this was after being told no by other lenders. I didn't get my hopes up but to my surprise I was approved!"

Cristhtian P.
5 Stars!
Google Review
Apple app store IconGoogle play store Icon
Verified App User

Amazing job!

"What really made me decide to give my business to Lower.com was the amazing job Andi did while working with me from the first call up until closing day."

John S.
5 Stars!
Google Review
Apple app store IconGoogle play store Icon
Verified App User

Fast and simple!

"The refinance of our house was fast and simple. The overall process was very simple, easy, and best of all, Mackenzie got us a great rate. Dropping our interest rate by almost 2%.

Robert
5 Stars!
LendingTree Review
Apple app store IconGoogle play store Icon
Verified App User

The Best!

"The entire process was quick and simple. they offered the BEST rates, BEST overall payment, LOWEST monthly payment (and closing costs).... GO WITH THESE GUYS if you are refinancing"

Gong
5 Stars!
LendingTree Review
Apple app store IconGoogle play store Icon
Verified App User

Lower was the lowest interest rate

"After speaking with my previous lender and probably five other lenders, Lower was the only one who came back with the lowest interest rate."

Suzanne B.
5 Stars!
LendingTree Review
Apple app store IconGoogle play store Icon
Verified App User

Our situation was unique...

"Lionel was extremely responsive anytime we had questions. Our situation was unique and he handled it extremely well! Very seamless transaction to refinance home and lower rate."