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All Loan Options

Find a loan that meets your needs.

Whether you're looking to buy, lower your rate, or use your equity, Lower has options for you.

No-impact credit check. No commitment.
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A man, woman, and child smile while moving into a new house.
Purchase

Buy a Home

Flexible conventional loans, accessible FHA mortgages, VA loans with no down payment, jumbo loans for high-cost homes, and more.

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Home Equity Loans

Tap Into Equity

Choose between a fixed-rate, lump-sum home equity loan for large sums, or a revolving HELOC for flexible access to funds.

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Refinance

Lower My Rate

Refinance to lower your rate, change your mortgage terms, or even access your equity through a cash-out refinance.

Learn More About Our Loan Options

For buying a home

Conventional loans are the most common type of home loan. They come with built-in flexibility, and down payments as low as 3% if you're a qualifying first-time homebuyer. They can be used to purchase both primary residences and second homes.

But those aren't the only option for buying a home.

FHA loans: FHA loans have more flexible credit score and down payment requirements. We follow the agency guidelines for minimum credit scores and down payments, so you might qualify with a credit score as low as 580. 

VA loans: VA loans feature competitive rates and no down payment requirement for eligible veterans.

Jumbo loan: Jumbo loans let you borrow above your county's conventional loan limit.

For lowering your rate

Rate-term refinance: A rate-term refinance replaces your mortgage with a new one. It can be useful if you're looking to take advantage of lower rates, or if you want to change your loan terms and save money on interest in the long run.

Cash-out refinance: A cash-out refinance replaces your mortgage with a new, larger loan and lets you access a portion of your equity. 

For accessing your equity

A cash-out refinance isn't the only way to access your equity. If you're looking to consolidate debts, fund major home renovations, or pay for other life expenses, we have home equity options for you.

HELOC: A HELOC is a revolving line of credit secured by your home. Think of it like a home-backed  credit card, just with a typically lower rate and a much higher limit. A HELOC is a strong option if you need flexible access to equity for phased expenses.

Home Equity Loan: Need a lump sum for one-time debt consolidation or a big project? Look no further than a home equity loan. Home equity loans have fixed rates, meaning you'll have predictable payments throughout the life of the loan.

Work with a Lower Advisor to get personalized loan options

1

Get Started

Take 3 minutes to complete our online application, and we’ll connect you with the best financing option for your needs.

2

Customize Your Options

We’ll schedule a quick call with one of our expert loan advisors to help find the loan solution that’s right for you.

3

Access Your Financing

Your dedicated loan officer will guide you every step of the way, helping you complete the loan process quickly and confidently from home.

No-impact credit check. No commitment.

30,000+ five star reviews and counting.

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5.0

She is amazing. Helped clarify all my questions and concerns.

Jean L.

Verified Customer
5.0

Landed provided a wealth of experience and offered valuable advice and options when presenting them multiple avenues for pursuing a home loan. I greatly appreciated having him on my side.

Christine H.

Verified Customer
5.0

ever answer our questions quickly

Edward B.

Verified Customer
5.0

You made it great McLean! The process was seemless, the closing documents and fees were in line and LOWER than originally quoted. That is always nice! Thank you fro your professionalism and time.

Chad O.

Verified Customer
5.0

Angie was the most supportive, kind, hardworking person I have ever worked with. This experience for me as a first time homebuyer was extremely stressful and switching over to lower mortgage and working directly with Angie has co…mpletely eased mind. Thank you so much!!

Ryleigh W.

Verified Customer
5.0

Terri was extremely responsive and helpful with any and all questions about the process. We didn't even know where to begin as first time homebuyers, and her communication and guidance through the process was essent…ial in our successful mortgage loan and house purchase.

Trace S.

Verified Customer
5.0

i appreciated the response time and the fast communication between the team.

Jenelle C.

Verified Customer
5.0

Tyler is just exactly the type of person you look for when making these decisions on large purchases. Not only did he show us all of the possibilities but he explained the pro and cons instead of assuming that… we knew, which is what a lot of people in this imdustry do. As things were changing throughout the process, he kept us updated and explained why everything was happening the way it was. Tyler is 10/10. would recommend him to anyone.

Stephan D.

Verified Customer
5.0

Adam was amazing to work with, What we thought would be the most stressful part of the home buying process was made so easy. Any question we had was answered in a way we were able to keep up with and understand. Adam helped us with advice as we…ll as made sure we were on top of everything to keep it smooth. I would recomend Adam to everyone I know becasue he was far and beyond the easiest and kindest person to work with. We really apreciate all the hard work and posotivity that came along with. Thanks so much again!

Haley C.

Verified Customer
5.0

Really appreciated the work at the end to get it across the finish line given difficult circumstances. Within 24 hours it swung from seemingly going to fall through to Doug finding a good solution to enable the sale to go through. Really apprec…iate him, his advice, and dedication.

Geoffrey H.

Verified Customer
5.0

Laura was so extremely helpful! She helped my wife and I navigate this very complicated process and made it super easy for us. She was on top of everything throughout the entire process. I would recommend her services any day!

Gregory J.

Verified Customer
5.0

Incredibly knowledgeable and very ontop of things. Didn't have to make me guess or worry where things were in the process. Communication was top tier

Ashley C.

Verified Customer

Refinance‍ for free. For life.*

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No lending fees

Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.

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Worry free

Buy now or refinance now and know you can lower your rate later with peace of mind.

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