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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.

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5.0

Taylor was very responsive and Knowledgable. She assisted us through every step of the process. Her efforts and expertise far exceeded our expectations.

Ruben G.

Verified Customer
5.0

Very quick and communicative. Painless process. Very aware and sensitive to our needs during the process.

Jeffrey S.

Verified Customer
5.0

knowledgeable with us during every step of the process and explaining it and taking our time, it was a great experience highly recommend them on helping out with all avenues and alleyways of purchasing a house and educating myself and helping me get knowledgeable on what insurance and what policies and procedures to take and suggestions it was a great experience. I highly recommend them to anybody searching for a house. They make a smooth transitional process and they're there every step of the way to help outon what are the right steps to take and they're involved with every situation that I have to communicate with other professionals they have my back and they support me with the whole entire process. It was a beautiful experience very happy and blessed with being a first homebuyer thank you so much.

Devin R.

Verified Customer
5.0

Nadia was knowledgeable and advised me on every step of the way she explained every process in detail and was patient

Jorge S.

Verified Customer
5.0

Dante was very helpful and always willing to answer my questions

Evan V.

Verified Customer
5.0

From start to finish, she made sure I understood every step of the process, which gave me a lot of confidence and peace of mind. She was incredibly responsive and answered all of my questions right away, never leaving me unsure or waiting for clarification. Her communication was clear, professional, and consistent throughout. It is rare to come across someone so attentive and thorough, and it truly made the entire experience smooth and stress-free. I would absolutely recommend her to anyone looking for outstanding support.

Evan S.

Verified Customer
5.0

Great communication and understanding. Outstanding help throughout the proccess

David G.

Verified Customer
5.0

You kept us very informed on the matter at all times

Grant L.

Verified Customer
5.0

Working with Erick Martinez was an outstanding experience from start to finish. He is extremely knowledgeable, responsive, and truly cares about finding the best solution for his clients. Erick accomplished in just two weeks what three other lenders were unable to do. He guided us through every step of the process, answered every question with patience and confidence, and made what could have been a stressful transaction feel smooth and effortless. His professionalism, honesty, and dedication exceeded all of our expectations. I highly recommend Erick to anyone looking for a mortgage expert who consistently delivers outstanding results. Thank you, Erick, for making this possible!

Carlos C.

Verified Customer
5.0

Fred is a true professional and very helpful. He is very responsive and made the process easy.

John D.

Verified Customer
5.0

We really enjoyed working with the team . We were very grateful for Tanya all her expertise and guidance throughout this process.

Hector H.

Verified Customer
5.0

Terri is the best!! She said claimed and it happened!!

Linda L.

Verified Customer

Refinance‍ for free. For life.*

0

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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