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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.

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

FHA loansFHA 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 loansVA loans feature competitive rates and no down payment requirement for eligible veterans.

Jumbo loanJumbo 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.

HELOCA 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 LoanNeed 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.

Check ‘em out on: Trustpilot | Google | Zillow | Bankrate

5.0

Jackie is amazing and so informative and just a genuinely amazing person. We will definitely consult her again if the opportunity arises.

Richard B.

Verified Customer
5.0

Irma Arteaga was always polite and supportive on the different stages of the process.

Hector S.

Verified Customer
5.0

Very detailed and time oriented.

Victor W.

Verified Customer
5.0

Erica was a true professional!

Jonathan B.

Verified Customer
5.0

She very clear and experienced in her work . A big 10 out of 10 she went above and beyond more than I expected . With patience I'm proud owner of my first family home big thanks to the team

William B.

Verified Customer
5.0

Amanda is the person you can count on in the clutch! She keeps all parties informed. She gives !!0%! She goes above and beyond to get the client appoved.

Jamikia B.

Verified Customer
5.0

Eva is very knowledgeable, responsive, and made the entire home financing process easy to understand. Eva and her team answered all of our questions promptly, kept us informed every step of the way, and worked hard to secure the best loan for our needs. We are truly grateful for all of the hardwork and would highly recommend.

Kiki

Verified Customer
5.0

Rachelle was amazing to work with, she was extremely helpful and ensured we were well taken care of. Her positive attitude and dedication to ensuring we were satisfied show her amazing commitment to this company.

Colleen M.

Verified Customer
5.0

Eva and team were amazing and made the lending process seamless. They are super responsive and always so kind. I would highly recommend Eva!

Tiffany W.

Verified Customer
5.0

Our loan was approved in time for our closing! We are so thankful for the care and attention your team gave to us and our loan. We love our new home!

Alison N.

Verified Customer
5.0

no real issues allthe way thru the process

Joel R.

Verified Customer
5.0

Lisa made herself available to answer any question at any time. She's patient, thorough, and always on top of things. Working with Lisa is a pleasure and a privelege!

Ian B.

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.

Learn More

Mortgage Resources

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