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All Loan Options

Find a loan that meets your needs.

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

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

Buy a Home

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

See Your purchase options
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Home Equity Loans

Tap Into Equity

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

Lower My Rate

Refinance to lower your rate, change your mortgage terms, or even access your equity through a cash-out refinance.

Find out more about refinancing
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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.

Work with a Lower Advisor to get personalized loan options

1

Get Started

Take 3 minutes to complete our online application, and we’ll connect you with the best financing option for your needs.

2

Customize Your Options

We’ll schedule a quick call with one of our expert loan advisors to help find the loan solution that’s right for you.

3

Access Your Financing

Your dedicated loan officer will guide you every step of the way, helping you complete the loan process quickly and confidently from home.

Let's Go
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No-impact credit check. No commitment.

30,000+ five star reviews and counting.

Check ‘em out on: Trustpilot | Google | Zillow | Bankrate

5.0

The way she broke everything down to help me understand how to manage my mortgage financially and the amazing advice she gave was exactly what I needed

Anfernee S.

Verified Customer

August 4, 2026

5.0

Very great to work with! Huge help!

Jeremy M.

Verified Customer

July 27, 2026

5.0

Another wonderful closing with my Lender Partner Nick Morrone! Absolutely phenomenal service every time. Nick and I have closed several Million together and I will continue work with him time & time again!

Kendra J.

Verified Customer

June 1, 2026

5.0

Josie is on top of everything and wants the best for her clients

Asia S.

Verified Customer

June 19, 2026

5.0

Everything, but communication is key. Communication made my experience well worth it. I did not need to wait days or hours to recevie my important items.

Dominick D.

Verified Customer

June 4, 2026

5.0

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

Natalie B.

Verified Customer

July 6, 2026

5.0

Ruth was absolutely amazing, I started working with her prior to moving to Knoxville so I would know my options, she listented to what I was looking for, took notes to look into things I asked about and then with my options guided me in the right direction. During my first offer experience in Knoxville she and my agent Sydney took care of things for me so I wasn't bothered or stressed because we had run into a few hiccups with the house and other sellers agent. Ruth always had a listing ear any time I needed it and I appreciate her more than she probably knows. She also gave me an awesome painting of my new home at my closing which was extremely thoughtful. I would recommend her over and over again!

Kaci A.

Verified Customer

July 9, 2026

5.0

Ruth was kind, prompt, and truly cared about my closing going well. Thank you, Ruth!

Sharon L.

Verified Customer

July 9, 2026

5.0

Made the process smooth and easy, gave us many options, helped us with the one that works best for us.

Jennifer E.

Verified Customer

June 8, 2026

5.0

as first time home buyers there were many question, Jill did an amazing job walking us through everything to make us feel comfortable! Jill was always very nice and would even reach out after hours when needed!

Taylor J.

Verified Customer

June 7, 2026

5.0

Eva is such a wealth of knowledge and offers reassurance throughout the process. I always know that my clients are well taken care of!

Susan S.

Verified Customer

August 14, 2026

5.0

Tina is simply the best. I used her for t onhime o home loans. Dont Don't fo go anywhere else.!

Susan B.

Verified Customer

August 9, 2026

See Full Details

Refinance‍ for free. For life.*

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No lending fees

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

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Worry free

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

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