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

Dante was the most pleasant and helpful person I could've ever asked for on this homebuying journey! He is extremely knowledgeable in all areas of the home loan process and I could never have a different loan officer in my homebuying future!

Conner A.

Verified Customer

August 14, 2026

5.0

Rebekah has been extremely helpful, informative, and patient with me and the agents throughout the entire process. It was a pleasure working with Rebekah, and the process was efficient with the Lower.com platform/app being able to easily upload things as requested and getting updates on statuses.

Matthew L.

Verified Customer

May 29, 2026

5.0

Graham was always open about all of our options and very professional.

Natalie B.

Verified Customer

July 6, 2026

5.0

Tim was a very plesant guy to work with! He made everything very easy! Would recommend him to anyone!

Lynnley B.

Verified Customer

July 1, 2026

5.0

I highly recommend Jack! He made the mortgage process seamless and successfully got me a lower rate. Thank you for the incredible service, always checking in, and quickly responding to all my questions.

Liz N.

Verified Customer

July 6, 2026

5.0

Jose was available to answer all of my questions and the entire process was smooth

Juliana P.

Verified Customer

July 12, 2026

5.0

Super quick response time and very helpful

Stephen J.

Verified Customer

July 29, 2026

5.0

Shonna was extremely helpful and explained everything so I could understand it! There were so many terms that I did not understand in the finance world, but she talked me through it all. I truly felt like I walked away from the entire experience more knowledgeable and certain of my future finances. I would definitely use Shonna to help me navigate any future financing and truly appreciate her guidance!

Eugenia B.

Verified Customer

August 15, 2026

5.0

Easy to communicate. Very knowledgeable

Wanda N.

Verified Customer

June 17, 2026

5.0

From beginning to end, Sean was a great partner with us. He spent time before we were ever a customer helping us understand the various borrowing options we had so we could understand what our flexibility would do for us. Then when we were engaged on an actual house, he helped us apply our options creatively, even walking us through one option where the money could come from a non-traditional path which would result in Lower Mortgage not even having a part to play. When someone is willing to help you, and NOT make money, that's a level of support one rarely sees. In the end, we used a traditional loan for the property we purchased, and he found us a really great rate (not trivial considering some of the aspects of the home). We'll end up doing a major refinance in 1-2 years after a deep remodel is complete and we've sold our other property, and we absolutely will work with Sean and the team again for that "final" loan.

Mark E.

Verified Customer

May 27, 2026

5.0

Attentive, Personable, Knowledgeable, Efficient

Anton E.

Verified Customer

June 16, 2026

5.0

Kristen was such a huge help with helping us prepare to purchase our first home. I highly recommend her !

Jamie V.

Verified Customer

August 7, 2026

Conner A. rated Dante Rosa 5.0 stars: Dante was the most pleasant and helpful person I could've ever asked for on this homebuying journey! He is extremely knowledgeable in all areas of the home loan process and I could never have a different loan officer in my homebuying future! Matthew L. rated Rebekah Killgo 5.0 stars: Rebekah has been extremely helpful, informative, and patient with me and the agents throughout the entire process. It was a pleasure working with Rebekah, and the process was efficient with the Lower.com platform/app being able to easily upload things as requested and getting updates on statuses. Natalie B. rated Graham Nadler 5.0 stars: Graham was always open about all of our options and very professional. Lynnley B. rated Tim Summers 5.0 stars: Tim was a very plesant guy to work with! He made everything very easy! Would recommend him to anyone! Liz N. rated Jack Tomlinson 5.0 stars: I highly recommend Jack! He made the mortgage process seamless and successfully got me a lower rate. Thank you for the incredible service, always checking in, and quickly responding to all my questions. Juliana P. rated Jose Icaza 5.0 stars: Jose was available to answer all of my questions and the entire process was smooth Stephen J. rated Stephen Gowen 5.0 stars: Super quick response time and very helpful Eugenia B. rated Shonna Lee 5.0 stars: Shonna was extremely helpful and explained everything so I could understand it! There were so many terms that I did not understand in the finance world, but she talked me through it all. I truly felt like I walked away from the entire experience more knowledgeable and certain of my future finances. I would definitely use Shonna to help me navigate any future financing and truly appreciate her guidance! Wanda N. rated Tanner Kneipp 5.0 stars: Easy to communicate. Very knowledgeable Mark E. rated Sean Antonius 5.0 stars: From beginning to end, Sean was a great partner with us. He spent time before we were ever a customer helping us understand the various borrowing options we had so we could understand what our flexibility would do for us. Then when we were engaged on an actual house, he helped us apply our options creatively, even walking us through one option where the money could come from a non-traditional path which would result in Lower Mortgage not even having a part to play. When someone is willing to help you, and NOT make money, that's a level of support one rarely sees. In the end, we used a traditional loan for the property we purchased, and he found us a really great rate (not trivial considering some of the aspects of the home). We'll end up doing a major refinance in 1-2 years after a deep remodel is complete and we've sold our other property, and we absolutely will work with Sean and the team again for that "final" loan. Anton E. rated John Belli 5.0 stars: Attentive, Personable, Knowledgeable, Efficient Jamie V. rated Kristen Clarke 5.0 stars: Kristen was such a huge help with helping us prepare to purchase our first home. I highly recommend her !

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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