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

I had a great experience closing my mortgage with Lower. The team went above and beyond to offer competitive rates, clear breakdowns, and prompt communication at every step. They made what can usually be a stressful process feel straightforward and manageable. Thank you to the Lower team for all the help!

Thomaz S.

Verified Customer

August 11, 2026

5.0

The excellent communication

Amilliona P.

Verified Customer

August 2, 2026

5.0

Vito is hands-down one of the best loan officers I’ve ever worked with. From the first conversation he made the entire process clear, stress-free, and surprisingly smooth. He was always responsive, answered every question thoroughly, and went out of his way to find the best options for my situation. His knowledge, professionalism, and genuine care made a potentially overwhelming process feel easy. I couldn’t recommend him more highly — if you need a loan officer who truly has your back, call Vito!

David B.

Verified Customer

July 29, 2026

5.0

Patrick and his team went above and beyond from the beginning, they truly gave a once in a lifetime experienc, definitely a team I would work with again

Brittany C.

Verified Customer

May 30, 2026

5.0

Shonna and her team were on point. They did an amazing job ! I had a great experience with them!

Allyson L.

Verified Customer

July 27, 2026

5.0

The easy process of providing the necessary documents and the positive attitude of the AMDW team made the experince a breeze.

Mayra C.

Verified Customer

June 7, 2026

5.0

David locked in a great rate - he was on the ball

Terry H.

Verified Customer

June 9, 2026

5.0

Felt informed informed , confident and comfortable the whole time

Samuel L.

Verified Customer

August 14, 2026

5.0

Hailey communicated very well. And if she dibt know the answer to my many questions she would find out as soon as possible!

Cara T.

Verified Customer

June 19, 2026

5.0

John was communicative, informative and honest. He responed quickly, and entertained all of my questions with patience and expertise. When I shopped for a quote, John beat the big-box lenders numerically, and with integrity. He made my first homebuying experience as easy as it could be.

Michael D.

Verified Customer

July 22, 2026

5.0

We were with another lender for 1 year before going to Lisa. The other lender we were with ran us through the mud and hurt our credit instead of helping us fix it, at the end of the day we were told "There's no way for you to get this loan" after 1 year of being told we "totally got this" and it was going to be an easy transition . Once we got the news that broke our family's heart, I asked Lisa for a second opinion. She reviewed our paperwork, helped us repair our credit and got us right where we needed to be to purchase pur our dream home. She was always honest, never making any promises and always keeping us updated on our progress. She was always available for us, early mornings, late nights, weekends, and even when she was on her family vacation! We could not say enough good things about Lisa, she literally saved my family from having to move out of state. We could never thank her enough for the time, patience, and work that she put into this loan for us to get our home. I wouldn't reccomend anyone else to my family or closest friends.

Danyelle F.

Verified Customer

July 7, 2026

5.0

Lisa was a delight to work with. She is very knowledgeable and had answers immediately. She kept in contact with daily letting us know the progress of our loan. I highly recommend Lisa!!

Roberta M.

Verified Customer

June 26, 2026

Thomaz S. rated Karylle Wike 5.0 stars: I had a great experience closing my mortgage with Lower. The team went above and beyond to offer competitive rates, clear breakdowns, and prompt communication at every step. They made what can usually be a stressful process feel straightforward and manageable. Thank you to the Lower team for all the help! Amilliona P. rated Miranda Kelley 5.0 stars: The excellent communication David B. rated Vito Mirra 5.0 stars: Vito is hands-down one of the best loan officers I’ve ever worked with. From the first conversation he made the entire process clear, stress-free, and surprisingly smooth. He was always responsive, answered every question thoroughly, and went out of his way to find the best options for my situation. His knowledge, professionalism, and genuine care made a potentially overwhelming process feel easy. I couldn’t recommend him more highly — if you need a loan officer who truly has your back, call Vito! Brittany C. rated Patrick Borovay 5.0 stars: Patrick and his team went above and beyond from the beginning, they truly gave a once in a lifetime experienc, definitely a team I would work with again Allyson L. rated Shonna Lee 5.0 stars: Shonna and her team were on point. They did an amazing job ! I had a great experience with them! Mayra C. rated Patrick Borovay 5.0 stars: The easy process of providing the necessary documents and the positive attitude of the AMDW team made the experince a breeze. Terry H. rated David Thornton 5.0 stars: David locked in a great rate - he was on the ball Samuel L. rated Brian Hafner 5.0 stars: Felt informed informed , confident and comfortable the whole time Cara T. rated Hailey Earley 5.0 stars: Hailey communicated very well. And if she dibt know the answer to my many questions she would find out as soon as possible! Michael D. rated John Belli 5.0 stars: John was communicative, informative and honest. He responed quickly, and entertained all of my questions with patience and expertise. When I shopped for a quote, John beat the big-box lenders numerically, and with integrity. He made my first homebuying experience as easy as it could be. Danyelle F. rated Lisa Lessard 5.0 stars: We were with another lender for 1 year before going to Lisa. The other lender we were with ran us through the mud and hurt our credit instead of helping us fix it, at the end of the day we were told "There's no way for you to get this loan" after 1 year of being told we "totally got this" and it was going to be an easy transition . Once we got the news that broke our family's heart, I asked Lisa for a second opinion. She reviewed our paperwork, helped us repair our credit and got us right where we needed to be to purchase pur our dream home. She was always honest, never making any promises and always keeping us updated on our progress. She was always available for us, early mornings, late nights, weekends, and even when she was on her family vacation! We could not say enough good things about Lisa, she literally saved my family from having to move out of state. We could never thank her enough for the time, patience, and work that she put into this loan for us to get our home. I wouldn't reccomend anyone else to my family or closest friends. Roberta M. rated Lisa Lessard 5.0 stars: Lisa was a delight to work with. She is very knowledgeable and had answers immediately. She kept in contact with daily letting us know the progress of our loan. I highly recommend Lisa!!

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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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