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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.

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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.

See Your purchase options >
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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.

See How Much You Can Access >
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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.

Find out more about refinancing >

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.

Let's Go >
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30,000+ five star reviews and counting.

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

5.0

Cassie was really good at explaining things to me and very thorough every time i asked a question she got back with me very quickly overall I was very pleased

Dylan M.

Verified Customer

September 5, 2026

5.0

Ms.Taylor answered every question I had, and walked us through the whole process. Very easy to talk to and a great personality. I would recommend her to everyone.

Paula S.

Verified Customer

October 24, 2026

5.0

Gabriela was always very responsive. She was willing To take time to explain and answer questions. She made the first time home buying experience go as smooth as possible.

Katie S.

Verified Customer

September 8, 2026

5.0

Communication was great. Everything done in timely matter and if any questions was a le to talk and get guidance on what to do.

Ben G.

Verified Customer

August 18, 2026

5.0

Lisa depriest was always professional and was always able to answer all of my questions!

Nakasha T.

Verified Customer

August 29, 2026

5.0

The process was fast , easy and I learned a lot of information that I will need in the future.

Andrae M.

Verified Customer

August 28, 2026

5.0

The communication with the agent and how she was very patient with us. Gave us a lot of advice of what to do and what's best for us.

Bryan L.

Verified Customer

August 25, 2026

5.0

Joe Harris and the entire team are best in class. Truly felt valued and appreciated throughout the entire process.

Benjamin F.

Verified Customer

August 31, 2026

5.0

I highly recommend Connor Hancock! He is extremely knowledgeable, professional, and always a pleasure to work with. His communication is excellent, and he is very responsive, always taking the time to answer questions and explain things clearly…. As a real estate agent, having a reliable and knowledgeable lender makes all the difference. Connor truly cares about his clients and goes above and beyond to make the lending process as smooth and stress-free as possible. His attention to detail, positive attitude, and dedication to providing exceptional service really stand out. It’s always a pleasure working with Connor, and I highly recommend him to anyone looking for a trustworthy and dependable lender!

Tutu B.

Verified Customer

October 21, 2026

5.0

Quick response and genuine personal service

Donna J.

Verified Customer

August 31, 2026

5.0

We worked with Joe during the most stressful part of the mortgage lending process, closing. He was very knowledgeable, patient and helpful with us and got us through the finish line with a clear understanding of everything that was going on. Be…ing a first time home buyer that meant a lot to me.

Catherine M.

Verified Customer

October 8, 2026

5.0

Earnest was amazing

Amanda H.

Verified Customer

August 25, 2026

See Full Details

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.

0

Worry free

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

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