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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

Zeida and Joandy came in and saved the day. Honest from day one and reliable. I would recommend them to any one. Fast, Reliable, honest, and easy to work with.

Annamim S.

Verified Customer

August 27, 2026

5.0

Working with Deena was an outstanding experience! Purchasing a home while living out of town could have been stressful, but Deena and the team made the entire process smooth and seamless. Their communication, professionalism, and attention to detail gave me confidence every step of the way. I would highly recommend Deena and the team to anyone looking to buy a home.

Joy A.

Verified Customer

August 13, 2026

5.0

Timely, communicative, prodessional, completely stress-free experience for my buyers and I. Thank you for consistently delivering a remarkably wonderful experience.

Nikki D.

Verified Customer

August 25, 2026

5.0

Cindy was very easy to work with and always responsive. She made the loan process smooth and stress free!

Kamila S.

Verified Customer

July 31, 2026

5.0

The Mortgage Doc is great at what he does he knows how to get you from trying to achieving, all you have one has to do is reach out to him.

Ayardie Y.

Verified Customer

July 25, 2026

5.0

Tim was very thorough and informative throughout the entire process . His communication was top-notch, and he was quick to answer any questions we had. He stayed ahead of the game through every step and every step was executed in a very timely manner. Tim ensured our entire loan process was seamless, and we are so grateful!

Janna P.

Verified Customer

July 25, 2026

5.0

Alisa made our first time home buying experience amazing! She was very informative, supportive, and made sure we understood every step along the way. Thank you Alisa!

Madison G.

Verified Customer

August 14, 2026

5.0

I truly would double the stars if that were an option... My exper could not have gone better.

Scott H.

Verified Customer

July 4, 2026

5.0

made it? A great experience was that my advisor was experienced and had expertise in handling the necessary documents.

James L.

Verified Customer

August 21, 2026

5.0

Jack Tomlinson made the entire mortgage process smooth, efficient, and stress-free. We were working on an expedited timeline, and he delivered every step of the way. His communication was outstanding—he responded quickly, kept us informed throughout the process, and was always available to answer questions, even during some unconventional hours.He consistently looked out for our best interests and made sure we understood every option available.What really set Jack apart was his commitment to customer service. He had no problem going… the extra mile to ensure our loan closed on time, and he even attended our closing, which demonstrated his dedication and professionalism.If you’re looking for a lender who is knowledgeable, responsive, and genuinely invested in making the home-buying process as quick and painless as possible, I highly recommend Jack Tomlinson and Lower Mortgage.

Ced N.

Verified Customer

July 12, 2026

5.0

The team always kept us updated with changes and followed up with all concerns.

James H.

Verified Customer

August 1, 2026

5.0

Alisa was calm, kind, caring, and patient with us as we went through this process. I feel educated and prepared, which is something I was not before we met Alisa!

Patrick C.

Verified Customer

June 10, 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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