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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

There was excellent communication every step of the way.

Chelsea C.

Verified Customer
5.0

Josh was very knowledgeable and quick to respond to any questions . Very helpful and upfront about process. Very kind and personable

Allie T.

Verified Customer
5.0

She makes everything so easy! She is always on top of things and so quick to respond. This is the second time I used her to get a loan and I would definitely use her again!

Michael W.

Verified Customer
5.0

Jeff was upfront and honest, responsive to text messages and very flexible. I highly recommend him and his team.

Lon H.

Verified Customer
5.0

Jeff and his team made things very easy for myself who was a first time home buyer and never been through this before. They were quick to answer any questions i had and very understanding and accommodating if i needed time to get a document or something else. Overall a very good experience and would highly recommend him to a friend.

Robert C.

Verified Customer
5.0

Buying a home can be incredibly stressful and overwhelming, but Hailey made the entire experience feel so much easier than we ever expected. From start to finish, she was knowledgeable, responsive, patient, and genuinely supportive every step of the way. What stood out the most to us was not only how professional and hardworking she was, but how down-to-earth and understanding she was as a person. Life doesn’t stop just because you’re buying a house, and she truly understood that. She was patient with questions, understanding about everyday life and scheduling challenges, and never once made us feel pressured or judged. She treated us like real people instead of just another file on her desk, and that meant a lot during such a major life moment. She always made sure we understood what was happening throughout the process, explained things clearly, and kept communication open the entire time. Any stress or confusion we had, she helped calm immediately with honesty, reassurance, and guidance. It genuinely felt like she wanted the best for our family and cared about helping us succeed. Because of her, what could have been an exhausting and intimidating process ended up feeling exciting and manageable. We are beyond grateful for all of her hard work, kindness, and dedication. We truly cannot recommend Hailey enough. If you want someone who is professional, trustworthy, incredibly good at what she does, while also being compassionate, approachable, and easy to work with, she is absolutely the person you want helping you through the home-buying process.

Dominique A.

Verified Customer
5.0

Jeff always had great communication with us. Anytime we had a question or didn't understand part of the process he made sure we fully understood everything.

Fatima O.

Verified Customer
5.0

Eva went above and beyond

Richard S.

Verified Customer
5.0

Jeremy walked me through my many questions and helped us get the right loan. Hos communication and process made it seemless

Jacob M.

Verified Customer
5.0

Jacqualine kept me in forward moving progress the whole time. Everything was thoroughly explained. All my question were answered and I was kept informed and up to date with every step in the processes toward my new home.

Kristie B.

Verified Customer
5.0

This is my second home purchase with Monica Mudie and I must say she is amazing and continues to serve the exact same level of care, professionalism and detail as she did for my first home. I always learn more when working with Monica she likes to make sure her clients are informed and understand why things are happening. She is my preferred lender always . At this point she feels like family lol, thank you 1,000 times over!

Shantee T.

Verified Customer
5.0

Tony was extremely professional, always available to help and worked hard to make the deal happen. Would use him every single time.

Jordan M.

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.

Learn More

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