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

Phil went above and beyond to provide personalized advice and took the time to think outside of the box to get us the best situation possible

Meredith W.

Verified Customer

August 9, 2026

5.0

Working with Mr. Bobby Matthews and his team was truly an outstanding experience. From the very beginning, they demonstrated professionalism, dedication, and a genuine commitment to making the home-buying process as smooth as possible. Purchasing a new home can often feel overwhelming, but Mr. Matthews made every step clear, organized, and stress-free. One of the most impressive aspects of working with him was his communication and responsiveness. He consistently provided timely updates and important information throughout the process. Whenever I had questions or concerns, he was readily available and quick to respond. His reliability gave me confidence and peace of mind from start to finish. Beyond his responsiveness, Mr. Matthews' knowledge and expertise truly set him apart. His understanding of the market, attention to detail, and commitment to my best interests were evident in every interaction. It was clear that he genuinely cared about helping me make informed decisions and ensuring a positive experience. Overall, this was an exceptional experience, and I am incredibly grateful for the support and guidance Mr. Matthews and his team provided. I wholeheartedly recommend him to anyone looking to purchase a new home. If you're looking for a knowledgeable, dependable, and dedicated professional, Mr. Bobby Matthews is an excellent choice. I will gladly refer him to my friends and family without hesitation.

Marquis C.

Verified Customer

June 29, 2026

5.0

Regan and I were first time home buyers and Shonna was a huge help throughout the process. We would recommend her to anybody in the future. We can not say enough good things about our experience.

Michael F.

Verified Customer

August 8, 2026

5.0

Josie was honest, communicated frequently and consistiently.

Shannon G.

Verified Customer

August 10, 2026

5.0

Dante and Julie were wonderful to work with when I was helping my VA buyers purchase their new forever home. They provided superior customer service with timely and effective communication. They were always able to find the answers to any difficult questions that we had in the loan process. They were also compassionate to the concerns of the buyer so that the buyer's experience was stress relieving rather than stressful. Lastly, they came to the closing and got to meet the buyers which provided for a better closing experience.

Gino T.

Verified Customer

June 2, 2026

5.0

Everything about the transaction was smooth and jeff Jeff was there for any issues.

Jordan Z.

Verified Customer

June 11, 2026

5.0

The lenders were wonderful!! Excellent at communicating and making sure we had everything I needed! Quick closing and over all great customer service!!

Andrea M.

Verified Customer

August 14, 2026

5.0

Stephanie was amazing to work with, as a first time home buyer she made sure all my questions and needs were answred. Megan Ferguson as well helped me find the best insurance rate . I couldn't have asked for a better experience because of these two ladies!

Callie S.

Verified Customer

June 9, 2026

5.0

The lending process is intricate and at times complicated. Erik and his staff made it easy and smooth, especially during busy work weeks. There is always someone at Lower Mortgage who is available and willing to help. Highly recommend this company, Erik Gross and his amazing staff.

Amy S.

Verified Customer

August 8, 2026

5.0

Erik was always able to answer my questions and got back to me promptly.

Ashley K.

Verified Customer

August 3, 2026

5.0

Jake was extremely responsive every time I made contact. He was professional, yet personable. Jake guided me through the unknown to me process of buying my first home without ever sounding condecending in the slightest. Him and his team were very quick, yet diligent.

Nathan I.

Verified Customer

August 5, 2026

5.0

Marc did a great job! Communication was amazing, would highly recommend!

Josh D.

Verified Customer

July 24, 2026

Meredith W. rated Phil Cunningham 5.0 stars: Phil went above and beyond to provide personalized advice and took the time to think outside of the box to get us the best situation possible Marquis C. rated Bobby Matthews 5.0 stars: Working with Mr. Bobby Matthews and his team was truly an outstanding experience. From the very beginning, they demonstrated professionalism, dedication, and a genuine commitment to making the home-buying process as smooth as possible. Purchasing a new home can often feel overwhelming, but Mr. Matthews made every step clear, organized, and stress-free. One of the most impressive aspects of working with him was his communication and responsiveness. He consistently provided timely updates and important information throughout the process. Whenever I had questions or concerns, he was readily available and quick to respond. His reliability gave me confidence and peace of mind from start to finish. Beyond his responsiveness, Mr. Matthews' knowledge and expertise truly set him apart. His understanding of the market, attention to detail, and commitment to my best interests were evident in every interaction. It was clear that he genuinely cared about helping me make informed decisions and ensuring a positive experience. Overall, this was an exceptional experience, and I am incredibly grateful for the support and guidance Mr. Matthews and his team provided. I wholeheartedly recommend him to anyone looking to purchase a new home. If you're looking for a knowledgeable, dependable, and dedicated professional, Mr. Bobby Matthews is an excellent choice. I will gladly refer him to my friends and family without hesitation. Michael F. rated Shonna Lee 5.0 stars: Regan and I were first time home buyers and Shonna was a huge help throughout the process. We would recommend her to anybody in the future. We can not say enough good things about our experience. Shannon G. rated Josie George 5.0 stars: Josie was honest, communicated frequently and consistiently. Gino T. rated Dante Rosa 5.0 stars: Dante and Julie were wonderful to work with when I was helping my VA buyers purchase their new forever home. They provided superior customer service with timely and effective communication. They were always able to find the answers to any difficult questions that we had in the loan process. They were also compassionate to the concerns of the buyer so that the buyer's experience was stress relieving rather than stressful. Lastly, they came to the closing and got to meet the buyers which provided for a better closing experience. Jordan Z. rated Jeff Marsack 5.0 stars: Everything about the transaction was smooth and jeff Jeff was there for any issues. Andrea M. rated Terri Cagle 5.0 stars: The lenders were wonderful!! Excellent at communicating and making sure we had everything I needed! Quick closing and over all great customer service!! Callie S. rated Stephanie Brister 5.0 stars: Stephanie was amazing to work with, as a first time home buyer she made sure all my questions and needs were answred. Megan Ferguson as well helped me find the best insurance rate . I couldn't have asked for a better experience because of these two ladies! Amy S. rated Erik Gross 5.0 stars: The lending process is intricate and at times complicated. Erik and his staff made it easy and smooth, especially during busy work weeks. There is always someone at Lower Mortgage who is available and willing to help. Highly recommend this company, Erik Gross and his amazing staff. Ashley K. rated Erik Gross 5.0 stars: Erik was always able to answer my questions and got back to me promptly. Nathan I. rated Jake Adler 5.0 stars: Jake was extremely responsive every time I made contact. He was professional, yet personable. Jake guided me through the unknown to me process of buying my first home without ever sounding condecending in the slightest. Him and his team were very quick, yet diligent. Josh D. rated Marc Levine 5.0 stars: Marc did a great job! Communication was amazing, would highly recommend!

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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