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Lower – Short Code 26938

Terms and Conditions

By opting into Lower®’s text messaging service (“Service”), you agree to these SMS Terms and Conditions whereby Lower® may text you with transactional updates, alerts and other information at the number you provided, including through the use of an integrated dialer. You are not required to consent in order to obtain a loan or service from Lower®. When you opt-in to receive messages from the Service, we will send you a message to confirm your signup. If you do not wish to receive such financial information, do not enter your information.

Text “LOWER” to 26938 to receive Mortgage Alerts from Lower. Message and data rates may apply. Message frequency may vary and program messages will only be sent between the hours of 8 a.m. and 9 p.m. of the time zone of the recipient. Text “HELP” for help. Text “STOP” to cancel.

You can cancel this Service at any time. To opt-out of receiving these text messages, text “STOP” to 26938 at any time. After you send “STOP” to us, we will send you a reply message to confirm that you have been unsubscribed. After this, you will no longer receive messages from Lower®.

If you want to join again, just sign up as you did the first time and we will start sending messages to you again.

If at any time you forget what keywords are supported, just text “HELP” to 26938. After you send the message “HELP” to us, we will respond with instructions on how to use our Service, as well as how to unsubscribe.

By opting in to receive these messages, you certify that you are at least 18 years of age.

Participating carriers: AT&T, Sprint, Boost, Virgin, T-Mobile, MetroPCS, Verizon Wireless

T-Mobile is not liable for delayed or undelivered messages.

Lower® reserves the right to revise and amend these SMS Terms & Conditions at any time. Such changes shall take effect when posted to Your continued consent to receive Lower®’s text messages will indicate your acceptable of those changes.

As always, message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

For all questions about the services provided by this short code, you can send an email to or call 1-833-920-2273.

Mobile numbers provided by opting into the Service will not be shared. If you have any questions regarding privacy, please read our privacy policy at For a paper copy, call 1-833-920-2273.

SMS Gift Card Promo

Rate and term refis only.  Refi originated in the past 7 months shall not apply. Loans subject to underwriting approval, acceptable collateral, and net-tangible-benefit requirements.  Not applicable to pre-qualification/pre approval requests. Purchase customer must have a subject property for rate comparison.