All Loan Options

Whether you're looking to buy, lower your rate, or use your equity, Lower has options for you.

No-impact credit check. No commitment.

A man, woman, and child smile while moving into a new house.

Purchase

Flexible conventional loans, accessible FHA mortgages, VA loans with no down payment, jumbo loans for high-cost homes, and more.

See Your purchase options

Home Equity Loans

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

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.

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.

Let's Go

No-impact credit check. No commitment.

5.0

The best! Very patient explained me everything! Very pleased thank you so much

Menachem F.

Verified Customer

July 2, 2026

5.0

The application was easy application was easy me through the experience and helped me gather all the information I needed. She was so pleasant to work with. I would highly recommend working with Nikkie for anyone looking for a mortgage loan. She and her team got things done and got things done fast highly recommend 10 stars if they had them.

Kevin M.

Verified Customer

August 1, 2026

5.0

I can’t recommend Erick Martínez highly enough. He accomplished what many thought would be very difficult by successfully completing my residential refinance in just two weeks. From start to finish, Erick was knowledgeable, responsive, organized, and always available to answer my questions. He kept me informed throughout the entire process, making everything smooth and stress-free. His professionalism, dedication, efficiency, and commitment to his clients truly exceeded my expectations. If you’re looking for a loan officer who works hard, delivers results, and makes the refinancing process as easy as possible, Erick is the person to call. Thank you, Erick, for making this happen so quickly. I truly appreciate all your hard work and would highly recommend you to anyone looking for a mortgage or residential refinance! Jeny and Carlos Cardenas .

Jennifer A.

Verified Customer

June 29, 2026

5.0

Steven was amazing! This was the easiest process ever!! We will for sure recommend Steven to our friends!

Penny C.

Verified Customer

August 6, 2026

5.0

Rick and Tina were very responsive, thourough, and accomodating to any questions I had throughout tyhe whole closing process.

Gregory E.

Verified Customer

June 29, 2026

5.0

Erik kept my spouse informed, engaged, and encouraged during the loan proces. Any questions that had he was able answer it to the best of his ability.

Deontay C.

Verified Customer

August 2, 2026

5.0

Kristen and her colleagues made the first time home buying experience as easy as possible. They worked tirelessly to ensure we had the most up to date information available to ensure the best rates and made the smartest financial decisions both for now and our future. They truly made the home buying process easy, and we wouldn’t be in our home without them!

Connor N.

Verified Customer

August 14, 2026

5.0

i was referred to Jacqueline by a local Realitor I had met when i Started house shopping. From start to finish she was spectacular! she communicated with me the entire time even on weekends and her vacation..this type of exceptional service is going away these days and im incredibly greatful for the work Jacqueline put in so I could close on my first house!

Jacob H.

Verified Customer

June 23, 2026

5.0

Jeff was very helpful through my process of getting my home . He help every step of the way he was on point . I would recommend everyone to go the Jeff if you looking buy a home .

Veonta R.

Verified Customer

July 18, 2026

5.0

The whole process was GREAT!

Leonela G.

Verified Customer

June 27, 2026

5.0

She was thorough, patient and made the process so much easy!

James J.

Verified Customer

July 21, 2026

5.0

Adriel was outstanding in all steps, very, very helpful.

Allen B.

Verified Customer

June 23, 2026

Menachem F. rated Zeida Mendez 5.0 stars: The best! Very patient explained me everything! Very pleased thank you so much Kevin M. rated Nikkie Bickham 5.0 stars: The application was easy application was easy me through the experience and helped me gather all the information I needed. She was so pleasant to work with. I would highly recommend working with Nikkie for anyone looking for a mortgage loan. She and her team got things done and got things done fast highly recommend 10 stars if they had them. Jennifer A. rated Erick Martinez 5.0 stars: I can’t recommend Erick Martínez highly enough. He accomplished what many thought would be very difficult by successfully completing my residential refinance in just two weeks. From start to finish, Erick was knowledgeable, responsive, organized, and always available to answer my questions. He kept me informed throughout the entire process, making everything smooth and stress-free. His professionalism, dedication, efficiency, and commitment to his clients truly exceeded my expectations. If you’re looking for a loan officer who works hard, delivers results, and makes the refinancing process as easy as possible, Erick is the person to call. Thank you, Erick, for making this happen so quickly. I truly appreciate all your hard work and would highly recommend you to anyone looking for a mortgage or residential refinance! Jeny and Carlos Cardenas . Penny C. rated Steven Odom 5.0 stars: Steven was amazing! This was the easiest process ever!! We will for sure recommend Steven to our friends! Gregory E. rated Rick Fantucci 5.0 stars: Rick and Tina were very responsive, thourough, and accomodating to any questions I had throughout tyhe whole closing process. Deontay C. rated Erik Markwat 5.0 stars: Erik kept my spouse informed, engaged, and encouraged during the loan proces. Any questions that had he was able answer it to the best of his ability. Connor N. rated Kristen Clarke 5.0 stars: Kristen and her colleagues made the first time home buying experience as easy as possible. They worked tirelessly to ensure we had the most up to date information available to ensure the best rates and made the smartest financial decisions both for now and our future. They truly made the home buying process easy, and we wouldn’t be in our home without them! Jacob H. rated Jacqualine Wolcott 5.0 stars: i was referred to Jacqueline by a local Realitor I had met when i Started house shopping. From start to finish she was spectacular! she communicated with me the entire time even on weekends and her vacation..this type of exceptional service is going away these days and im incredibly greatful for the work Jacqueline put in so I could close on my first house! Veonta R. rated Jeff Sanderlin 5.0 stars: Jeff was very helpful through my process of getting my home . He help every step of the way he was on point . I would recommend everyone to go the Jeff if you looking buy a home . Leonela G. rated Valeria Knowles 5.0 stars: The whole process was GREAT! James J. rated Brianna Floyd 5.0 stars: She was thorough, patient and made the process so much easy! Allen B. rated Adriel Esparza 5.0 stars: Adriel was outstanding in all steps, very, very helpful.

See Full Details

Refinance‍ for free. For life.*

No lending fees

Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.

Worry free

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

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