Access funds for renovations, debt consolidation, or big goals with ease.
Our process is simple and hassle-free. Let’s make homeownership a reality.
Simplify the process and save with competitive rates tailored to your goals.
We connect you with the right loan to bring homeownership within reach.
Get the most information for your home-buying journey with our suite of tools. Calculate payments, learn what's affordable for you, and more.
Rates have dropped to their lowest since 2024! See what you could qualify for.
Rates have dropped to their lowest since 2024!
See what you could qualify for.
Advertised offers are not guaranteed if you do not continue to meet Lower’s criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners’ association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Lower’s underwriting and Investor requirements. Interest rate examples are as of 10/7/2025 and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
© 2025 Lower, LLC | NMLS#1124061 | www.nmlsconsumeraccess.com | Conducts business in 47 States to include the District of Columbia. Alabama, Alaska, Arizona - License #1000936, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Iowa, Idaho, Kansas, Kentucky (Lower.com, LLC), Louisiana, Maine, Maryland, Massachusetts Mortgage Broker License -- MC1124061 | Massachusetts Mortgage Lender License -- MC1124061, Michigan, Minnesota, Mississippi, Missouri, Montana (Lower.com, LLC), Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, North Carolina, North Dakota, Ohio, Oklahoma (Lower Mortgage, LLC), Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington (Lower.com, LLC), West Virginia, Wisconsin, and Wyoming.
Home lending products offered by Lower | NMLS #1124061 | 5950 Symphony Woods Road, Suite 312, Columbia, MD 21044 | nmlsconsumeraccess.org | equal housing opportunity
Free Refi for Life: Offer not valid for subordinate simultaneous or HELOC closings and only applicable for first lien mortgage loans originated by Lower. Not applicable to Brokered loans or Reverse mortgages. Offer exclusively waives Lower retained fees, to include origination, underwriting, processing, and administrative fees. Offer not applicable for discount points, or any third-party settlement service fees, such as Title, Settlement, Appraisal, Credit Report, Commissions, or other similar settlement provider fees. Customer must have closed previous first-lien refinance transaction on or after December 1, 2018, with Lower and at least six (6) months prior to any subsequent applications. By refinancing your existing loan, your total finance charge may be higher over the life of the loan. All applications are subject to underwriting and credit approval. Other conditions or restrictions may apply. Call for complete details. Offer only valid at the Direct-to-Consumer Division, 7775 Walton Parkway, 4th floor, New Albany, OH 43054, NMLS #1168557 and Bonita Springs Branch, 3501 Bonita Bay Blvd, Bonita Springs, FL 34134. Branch NMLS# 2709923. Offer not available for Washington State consumers.
Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
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