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Online mortgage options

Your one-stop shop online mortgage lender

Lower offers a seamless online mortgage application and an all-digital experience whether you're buying, refinancing, or accessing home equity.

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No-impact credit check. No commitment.
A man uses his phone to explore online mortgage options.
Our Digital Mortgage Experience

Lowering barriers to homeownership

We combine industry-leading tech with human expertise. Our online application takes less than three minutes, and you'll be paired with an expert loan officer who can walk you through your options.

Low down payment options
Flexible qualification
Competitive rates
Free refi for life
First-time buyer friendly

How our online application works

1

Tell us what you need

You'll fill out basic information about yourself and the loan you're looking for.

2

No-impact credit check

We'll do a soft credit check that won't affect your credit score.

3

Connect with an expert

An expert loan officer will help you explore your mortgage options.

Current online mortgage rates

Buy A Home
Lower My Rate

Online mortgage options

We offer online mortgage options for buying a home, refinancing an existing mortgage and accessing home equity. Eligibility, rates, terms and available loan amounts vary based on factors such as your credit, income, debts, property, equity position and applicable program requirements.

Buy a Home Online

Conventional: Depending on the loan program and your qualifications, conventional loans may include low down payments, high-balance financing and financing for certain manufactured homes. Down payment, credit, income and other requirements vary based on the loan program, property and your financial profile.

FHA: FHA loans are government-backed mortgages that can provide more flexible credit and down payment requirements than some conventional loans. Qualified buyers may be able to purchase with a relatively low down payment. Your eligibility depends on FHA requirements as well as your credit, income, debts and the property you want to finance.

Jumbo: Jumbo loans finance amounts above the applicable conforming loan limit. Because these loans involve larger balances, qualification standards can be more stringent than those for conforming mortgages. You may need stronger credit, a larger down payment, additional cash reserves or more extensive income and asset documentation.

VA: VA loans are government-backed mortgages available to eligible veterans, active-duty service members and certain surviving spouses. Qualified borrowers can purchase a home with no down payment in many cases. Eligibility depends on VA requirements, available entitlement, the property and your overall financial profile.

USDA: USDA loans provide government-backed financing for eligible buyers purchasing homes in qualifying rural areas. Qualified borrowers can finance a home with no down payment. Income limits, property eligibility, credit approval and other USDA requirements apply.

ARM: Adjustable-rate mortgages, or ARMs, feature a rate that changes after an introductory fixed-rate period. That can mean lower initial payments and flexible terms.

Non-QM: Non-QM loans provide financing options for borrowers whose income, assets or financial circumstances do not fit the standard requirements for conventional or government-backed mortgages. Depending on the program, qualification may use alternative documentation such as bank statements, investment-property cash flow or other methods of demonstrating the ability to repay. Available programs, down payment requirements, rates and qualification standards vary.

Refinance Your Mortgage

Rate-and-term refinance: A rate-and-term refinance replaces your current mortgage with a new loan without taking significant additional cash from your home equity. You might refinance to lower your interest rate or monthly payment, switch between an adjustable and fixed rate or change the length of your repayment term. Whether refinancing improves your financial position depends on the new rate and term, closing costs and how long you expect to keep the loan.

FHA Streamline: If you already have an FHA-insured mortgage, an FHA Streamline refinance can provide a simplified way to refinance into another FHA loan. The program can require less documentation than a standard refinance and may not require a new appraisal in some cases. You must meet FHA requirements for payment history, loan seasoning and a net tangible benefit from the refinance. FHA mortgage insurance continues to apply.

VA IRRRL: The VA Interest Rate Reduction Refinance Loan, or IRRRL, is a streamlined refinancing option for homeowners with an existing VA-backed mortgage. It is generally used to lower the interest rate or move from an adjustable-rate mortgage to a fixed-rate VA loan. VA seasoning, recoupment and net tangible benefit requirements apply. Documentation, appraisal and underwriting requirements can vary, and a VA funding fee may apply unless you qualify for an exemption.

USDA Streamlined Refinance: Homeowners with eligible USDA mortgages may have access to a streamlined refinance option that reduces some of the documentation required for a traditional refinance. Depending on the USDA program and your eligibility, the refinance may involve simplified income, credit or appraisal requirements. Your existing loan, payment history, property and proposed new loan must meet applicable USDA requirements.

Access Your Home Equity

HELOC: A home equity line of credit, or HELOC, is a revolving credit line secured by your home. Instead of receiving the entire loan amount at once, you can generally borrow from the available line as needed during the draw period. HELOC rates are typically variable, which means your rate and payment can rise or fall over time. The amount you can borrow depends on your available equity, credit, combined loan-to-value ratio, property, lien position and other program requirements.

Fixed-Rate Home Equity Loan: A fixed-rate home equity loan is a second mortgage that provides your proceeds as a lump sum. You repay the balance through predictable principal-and-interest payments over a set term. Available loan amounts and terms depend on your credit, income, property, available equity, combined loan-to-value ratio, lien position and applicable program requirements.

Cash-out refinance: A cash-out refinance replaces your existing mortgage with a new, larger loan and lets you receive a portion of your home equity as cash at closing. Homeowners may use the proceeds for renovations, debt consolidation, major expenses or other financial needs. The amount you can access depends on your home value, existing mortgage balance, credit, income, property type and applicable loan-to-value limits. Because a cash-out refinance increases your mortgage balance and involves closing costs, it can also increase your monthly payment, total interest costs or the time it takes to repay your home.

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No-impact credit check. No commitment.

The best online mortgage lender for you.

Don't take our word for it. Read what more than 50,000 customers have to say.
Check ‘em out on: Trustpilot | Google | Zillow | Bankrate

5.0

Susan was always available and soo helpful. She explained everything that didn't make sense with so much detail which is important in this work. We were grateful to have Susan as our lender!

Jocelyne L.

Verified Customer

August 9, 2026

5.0

Ruth peovided detailed explainations and helped make the process easy to understand every step of the way . Even when we had a lot of questions, she was very patient and showed she really cared about making sure we … were 100% comfortable and knowledgeable of all the different parts of our loan

Forrest J.

Verified Customer

September 4, 2026

5.0

Ms. Angie was a big help in this process

Brandon P.

Verified Customer

September 18, 2026

5.0

Tyler kept us well informed every step of the way and we never had to wonder where we were at . Tyler was very professional and quick to respond at all times

Tanya D.

Verified Customer

September 25, 2026

5.0

Logan is one of the best in the business.

Chris W.

Verified Customer

September 21, 2026

5.0

Ashley's whole team are open to help you, to the best of their capibilities w/ open arms!

Danielle T.

Verified Customer

October 1, 2026

5.0

Patrick was referred to us by a mutual friend. He is an amazing person, punctual and responsive. He helped guide us through the process and made it smooth as possible for my wife and I. I'm grateful for his service.

Louis S.

Verified Customer

July 17, 2026

5.0

Leslie takes the time to explain everything and is always available to answer questions. She makes you feel like a person and not just a transaction. Truly great to work with!

Matthew K.

Verified Customer

September 30, 2026

5.0

Adriel and his team went anove and beyond to help us into our dream home. He made sure to listen to what our goals and boundaries were as our family was narrowing down on exactly what we wanted from a loa…n and financial perspective. His team also made sure to be extremely communicative and responsive throughout the entire process. I have already made recommendations to other friends and clients to reach out in the instance they require a mortgage. Thank you Adriel, Angel, Anita as well as everyone involved in helping us into our dream home.

Joyce H.

Verified Customer

October 1, 2026

5.0

Sandy was always ready to answer all our questions, and she made every step of the home-buying process easy and successful!

Ashley A.

Verified Customer

September 8, 2026

5.0

Steve, Mark, and Ashley are a great team! Buying a home can be a daunting process, but Steve and his crew kept us updated every step of the way. Always a pleasure to work with this great group of folks! I would highly recommend them to anybody… looking for a mortgage.

Gregory T.

Verified Customer

August 16, 2026

5.0

Landon was super upfront and took the time to walk us through everything, so we always felt we were getting the honest truth. His team kept us in the loop during the whole loan process and made sure we stayed on track whenever they needed paper…work from us. Definitely recommend them!

Rachel H.

Verified Customer

September 2, 2026

Frequently Asked Questions

Learn more about our digital mortgage process.

How does the online mortgage process work?

Our online mortgage process lets you complete many of the traditional mortgage steps digitally. You can submit an application, provide financial documents, review disclosures, communicate with your loan team and track your loan online. We will still need to verify your information and complete underwriting before the loan can be approved.

How long does the online mortgage process take?

The timeline can vary by loan type and your financial situation. How quickly you provide requested documents, as well as the timing of the appraisal, title work and underwriting, can also affect how long the process takes.

What do I need to apply for a Lower mortgage online?

You’ll need information about your income, employment, assets, debts and housing history. If you’ve already chosen a property, you’ll provide information about the home and purchase as well.

What documents will I need for an online mortgage application?

The documents you need depend on your financial situation and loan type. Common examples include recent pay stubs, W-2s, tax documents, bank statements and identification. Self-employed applicants or borrowers with other sources of income may need additional documentation.

Is applying for a mortgage online secure?

Mortgage applications contain sensitive personal and financial information, so we use security measures to protect information submitted online. You can review our privacy policy to learn more about how we protect consumer data.

Can I talk to a real person during the online mortgage process?

Yes. Our online mortgage process combines digital tools and human expertise. You'll have a personal loan advisor who can answer questions, request additional information and help you understand what happens next.

How long does it take to apply for a Lower mortgage online?

Our online application takes three minutes or less. After that, you'll be connected with an expert loan officer who will walk you through the process.

Can you get preapproved for a Lower mortgage online?

After you apply online, a Lower loan officer will review your assets, credit score, and income so we can determine which loans you're eligible for, how much we can lend you, and what your interest rate could be. You will receive a pre-approval letter once you've been pre-approved that you can share with your real estate agent and sellers.

Does Lower's online application require a hard credit check?

No, our initial online application doesn't require a hard credit check. Instead, it involves a soft credit check that won't affect your score‍. Once you are ready to move forward with a loan, your expert loan advisor will walk you through the full hard-check credit report.

Learn More

Online Mortgage Resources

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