Learn with Lower.com

Rate & Term Refinance

Pay less per month or less over time.

Rate & Term Defined

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What is Rate/Term?

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Praesent commodo elit et faucibus venenatis. Quisque molestie interdum erat quis sagittis. In in ante tellus. Nam sodales mi eget purus volutpat, in pulvinar est eleifend. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Fusce porttitor turpis risus, id sodales nisl vestibulum eget. Vivamus aliquam mi ut pharetra faucibus. Morbi vel velit vestibulum, placerat nisl eget, auctor nisi. Phasellus lacus massa, ultricies et orci sit amet, ullamcorper malesuada lectus. Nunc dictum lobortis fermentum. Integer sit amet dui magna. Donec rutrum maximus eros vitae ultricies. Duis sit amet urna dignissim, lacinia ipsum sit amet, tincidunt enim. Sed eu nulla ullamcorper, egestas risus sed, porttitor nisi. Duis facilisis pulvinar feugiat.

I now have an extra $1,230 per month

I am paying off two cars, the rv, and credit cards. My mortgage was extended by 4 years and went from 912 per month to 954 per month (42 dollars). My actual minimum payments on my loans equaled to $1,272 per month. So you read that right. I now have an extra $1,230 per month and I have a new hero, his name is Brendan Flaherty, and he works at Lower.com.”

Frank
5 Stars!
TrustPilot Review

Can I use #HomeGoals with any other promotion?

When you finance with Lower using the #HomeGoals promotion, you’re not only getting the discount up to $1,500, but our lower mortgage rates, too! At this time, the #HomeGoals promotion cannot be redeemed in combination with any other special offer, discount or promotion.

Katie Peplin

Lower Loan Advisor

NMLS ID#: 1618142

“Pus nec malesuada sit amet, suscipit non sem. In hac habitasse platea dictumst.”

Q: Proin sollicitudin lacus vel neque tristique iaculis. Suspendisse et dignissim mi. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos himenaeos.

A: Praesent commodo elit et faucibus venenatis. Quisque molestie interdum erat quis sagittis. In in ante tellus. Nam sodales mi eget purus volutpat, in pulvinar est eleifend. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Fusce porttitor turpis risus, id sodales nisl vestibulum eget. Vivamus aliquam mi ut pharetra faucibus. Morbi vel velit vestibulum, placerat nisl eget, auctor nisi. Phasellus lacus massa, ultricies et orci sit amet, ullamcorper malesuada lectus. Nunc dictum lobortis fermentum. Integer sit amet dui magna. Donec rutrum maximus eros vitae ultricies. Duis sit amet urna dignissim, lacinia ipsum sit amet, tincidunt enim. Sed eu nulla ullamcorper, egestas risus sed, porttitor nisi. Duis facilisis pulvinar feugiat.

Is Rate/Term Right for me?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Morbi pharetra, quam a vehicula volutpat, tellus orci sodales mauris, id interdum elit dolor in enim. Quisque facilisis ultrices tortor. Aliquam id lorem sit amet augue scelerisque malesuada at sed enim. Nunc lacinia eleifend tincidunt. Ut vel dapibus nisi. Integer cursus congue magna eget sagittis. Proin sollicitudin lacus vel neque tristique iaculis. Suspendisse et dignissim mi. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos himenaeos.

Praesent commodo elit et faucibus venenatis. Quisque molestie interdum erat quis sagittis. In in ante tellus. Nam sodales mi eget purus volutpat, in pulvinar est eleifend. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Fusce porttitor turpis risus, id sodales nisl vestibulum eget. Vivamus aliquam mi ut pharetra faucibus. Morbi vel velit vestibulum, placerat nisl eget, auctor nisi. Phasellus lacus massa, ultricies et orci sit amet, ullamcorper malesuada lectus. Nunc dictum lobortis fermentum. Integer sit amet dui magna. Donec rutrum maximus eros vitae ultricies. Duis sit amet urna dignissim, lacinia ipsum sit amet, tincidunt enim. Sed eu nulla ullamcorper, egestas risus sed, porttitor nisi. Duis facilisis pulvinar feugiat.

“Pus nec malesuada sit amet, suscipit non sem. In hac habitasse platea dictumst.”

Stephanie W.
5 Stars!
Verified Home Purchase

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When to consider Rate/Term

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Praesent commodo elit et faucibus venenatis. Quisque molestie interdum erat quis sagittis. In in ante tellus. Nam sodales mi eget purus volutpat, in pulvinar est eleifend. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Fusce porttitor turpis risus, id sodales nisl vestibulum eget. Vivamus aliquam mi ut pharetra faucibus. Morbi vel velit vestibulum, placerat nisl eget, auctor nisi. Phasellus lacus massa, ultricies et orci sit amet, ullamcorper malesuada lectus. Nunc dictum lobortis fermentum. Integer sit amet dui magna. Donec rutrum maximus eros vitae ultricies. Duis sit amet urna dignissim, lacinia ipsum sit amet, tincidunt enim. Sed eu nulla ullamcorper, egestas risus sed, porttitor nisi. Duis facilisis pulvinar feugiat.

You have questions, we have answers.

Is #HomeGoals valid for every Crew match?

Yes! Whether the match is on home turf or away, every time the Crew scores, you earn $500 toward your home financing with Lower, up to $1500 per match. This is valid for every match of the 2021 Columbus Crew season, starting with the Lower.com Field opener on July 3, 2021.

Can I use #HomeGoals with any other promotion?

When you finance with Lower using the #HomeGoals promotion, you’re not only getting the discount up to $1,500, but our lower mortgage rates, too! At this time, the #HomeGoals promotion cannot be redeemed in combination with any other special offer, discount or promotion.

Can I use #HomeGoals with any other promotion?

When you finance with Lower using the #HomeGoals promotion, you’re not only getting the discount up to $1,500, but our lower mortgage rates, too! At this time, the #HomeGoals promotion cannot be redeemed in combination with any other special offer, discount or promotion.

Can I use #HomeGoals with any other promotion?

When you finance with Lower using the #HomeGoals promotion, you’re not only getting the discount up to $1,500, but our lower mortgage rates, too! At this time, the #HomeGoals promotion cannot be redeemed in combination with any other special offer, discount or promotion.

1. Prep your finances.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Morbi pharetra, quam a vehicula volutpat, tellus orci sodales mauris, id interdum elit dolor in enim. Quisque facilisis ultrices tortor. Aliquam id lorem sit amet augue scelerisque malesuada at sed enim. Nunc lacinia eleifend tincidunt. Ut vel dapibus nisi. Integer cursus congue magna eget sagittis. Proin sollicitudin lacus vel neque tristique iaculis. Suspendisse et dignissim mi. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos himenaeos.

Praesent commodo elit et faucibus venenatis. Quisque molestie interdum erat quis sagittis. In in ante tellus. Nam sodales mi eget purus volutpat, in pulvinar est eleifend. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Fusce porttitor turpis risus, id sodales nisl vestibulum eget. Vivamus aliquam mi ut pharetra faucibus. Morbi vel velit vestibulum, placerat nisl eget, auctor nisi. Phasellus lacus massa, ultricies et orci sit amet, ullamcorper malesuada lectus. Nunc dictum lobortis fermentum. Integer sit amet dui magna. Donec rutrum maximus eros vitae ultricies. Duis sit amet urna dignissim, lacinia ipsum sit amet, tincidunt enim. Sed eu nulla ullamcorper, egestas risus sed, porttitor nisi. Duis facilisis pulvinar feugiat.

2. Have a preapproved mortgage offer in hand.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Morbi pharetra, quam a vehicula volutpat, tellus orci sodales mauris, id interdum elit dolor in enim. Quisque facilisis ultrices tortor. Aliquam id lorem sit amet augue scelerisque malesuada at sed enim. Nunc lacinia eleifend tincidunt. Ut vel dapibus nisi. Integer cursus congue magna eget sagittis. Proin sollicitudin lacus vel neque tristique iaculis. Suspendisse et dignissim mi. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos himenaeos.

Praesent commodo elit et faucibus venenatis. Quisque molestie interdum erat quis sagittis. In in ante tellus. Nam sodales mi eget purus volutpat, in pulvinar est eleifend. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Fusce porttitor turpis risus, id sodales nisl vestibulum eget. Vivamus aliquam mi ut pharetra faucibus. Morbi vel velit vestibulum, placerat nisl eget, auctor nisi. Phasellus lacus massa, ultricies et orci sit amet, ullamcorper malesuada lectus. Nunc dictum lobortis fermentum. Integer sit amet dui magna. Donec rutrum maximus eros vitae ultricies. Duis sit amet urna dignissim, lacinia ipsum sit amet, tincidunt enim. Sed eu nulla ullamcorper, egestas risus sed, porttitor nisi. Duis facilisis pulvinar feugiat.

Lower’s rates are better. Here's why.

Rate/Term
HELOC

FDIC coverage options

Monthly payments

Average APRs

Funds disbursement

Repayment terms

Guidance & Cost

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Praesent commodo elit et faucibus venenatis. Quisque molestie interdum erat quis sagittis. In in ante tellus. Nam sodales mi eget purus volutpat, in pulvinar est eleifend. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Fusce porttitor turpis risus, id sodales nisl vestibulum eget. Vivamus aliquam mi ut pharetra faucibus. Morbi vel velit vestibulum, placerat nisl eget, auctor nisi. Phasellus lacus massa, ultricies et orci sit amet, ullamcorper malesuada lectus. Nunc dictum lobortis fermentum. Integer sit amet dui magna. Donec rutrum maximus eros vitae ultricies. Duis sit amet urna dignissim, lacinia ipsum sit amet, tincidunt enim. Sed eu nulla ullamcorper, egestas risus sed, porttitor nisi. Duis facilisis pulvinar feugiat.

What should you do next?

Let us help you on your journey for lower rates.

Read to take the next step? Apply Now, You’ll Be Happy You Did.

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