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

Fantastic service :-)

Melissa L.

Verified Customer

June 30, 2026

5.0

Troy and his Team were amazing every step away the way! They made this experience so much easier for me and I appreciate all the time and attention spent explaining the process to me. Troy was always fast to address any of my questions and concerns evenings weekends no matter the time! Thank You all 😊

Sheila S.

Verified Customer

June 20, 2026

5.0

Alisa was super informative, she thought about everything and helped educate me on things I wasn’t aware about and what to look for. This was my first time buying a home and she went above and beyond . I feel myself to be lucky to have her help.

Phillip D.

Verified Customer

May 28, 2026

5.0

Doug was extremely helpful and patient throughout the process - always took the time to speak with us on the phone and explain (and re-explain) any detail or concern we had. He demonstrated flexibility and understanding to help us get the mortgage we needed. In a hectic process, he was always the calm, rational voice. Highly recommended!

Daniel B.

Verified Customer

June 9, 2026

5.0

I was kept well informed about everything and every question got a quick and detailed answer. I trea with respect and kindness

Homer R.

Verified Customer

June 19, 2026

5.0

We had an outstanding experience working with TJ throughout our home loan process. From start to finish, she was incredibly communicative, encouraging, and always made us feel like a priority. She took the time to answer every question, kept us informed every step of the way, and made what could have been a stressful process feel smooth and manageable. Her dedication, professionalism, and genuine care for her clients truly set her apart. We are so grateful for everything she did to help us secure our loan and would highly recommend TJ to anyone looking for a knowledgeable and trustworthy lender!

Brittany H.

Verified Customer

July 28, 2026

5.0

Getting everything done in a timely manner, m even outside of normal business hours, to be at the closing, and working diligently at any changes that came up during the process really stood out to us

Jeremy H.

Verified Customer

June 15, 2026

5.0

Rick makes the loan process so easy. He is very communicative and positive in every interaction. This is our second time using Rick for a mortgage and he is great!

Robin T.

Verified Customer

June 19, 2026

5.0

For me it was like a roller coaster ride, but Taylor was there the entire time letting me know that things were ok. For every problem that arose, I was able to see her expertise. I would refer anyone I know to her because I know she will take care of them.

Annisa B.

Verified Customer

June 10, 2026

5.0

Amazing communication. Made me feel like family!

Peyton R.

Verified Customer

June 9, 2026

5.0

Taylor was very responsive and Knowledgable. She assisted us through every step of the process. Her efforts and expertise far exceeded our expectations.

Ruben G.

Verified Customer

July 10, 2026

5.0

Would recommend anyone to call Erik!! He is on top of things. He will do everything he can to help you through the process

Leslie O.

Verified Customer

June 30, 2026

Melissa L. rated Alan Ben-Porat 5.0 stars: Fantastic service :-) Sheila S. rated Troy Mlenar 5.0 stars: Troy and his Team were amazing every step away the way! They made this experience so much easier for me and I appreciate all the time and attention spent explaining the process to me. Troy was always fast to address any of my questions and concerns evenings weekends no matter the time! Thank You all 😊 Phillip D. rated Alisa Anderson 5.0 stars: Alisa was super informative, she thought about everything and helped educate me on things I wasn’t aware about and what to look for. This was my first time buying a home and she went above and beyond . I feel myself to be lucky to have her help. Daniel B. rated Doug Jacobson 5.0 stars: Doug was extremely helpful and patient throughout the process - always took the time to speak with us on the phone and explain (and re-explain) any detail or concern we had. He demonstrated flexibility and understanding to help us get the mortgage we needed. In a hectic process, he was always the calm, rational voice. Highly recommended! Homer R. rated Jimmy McFarland 5.0 stars: I was kept well informed about everything and every question got a quick and detailed answer. I trea with respect and kindness Brittany H. rated Tonya Jenkins - TJ 5.0 stars: We had an outstanding experience working with TJ throughout our home loan process. From start to finish, she was incredibly communicative, encouraging, and always made us feel like a priority. She took the time to answer every question, kept us informed every step of the way, and made what could have been a stressful process feel smooth and manageable. Her dedication, professionalism, and genuine care for her clients truly set her apart. We are so grateful for everything she did to help us secure our loan and would highly recommend TJ to anyone looking for a knowledgeable and trustworthy lender! Jeremy H. rated David Thornton 5.0 stars: Getting everything done in a timely manner, m even outside of normal business hours, to be at the closing, and working diligently at any changes that came up during the process really stood out to us Robin T. rated Rick Fantucci 5.0 stars: Rick makes the loan process so easy. He is very communicative and positive in every interaction. This is our second time using Rick for a mortgage and he is great! Annisa B. rated Taylor Fruge 5.0 stars: For me it was like a roller coaster ride, but Taylor was there the entire time letting me know that things were ok. For every problem that arose, I was able to see her expertise. I would refer anyone I know to her because I know she will take care of them. Peyton R. rated Joanie Neal 5.0 stars: Amazing communication. Made me feel like family! Ruben G. rated Taylor Fruge 5.0 stars: Taylor was very responsive and Knowledgable. She assisted us through every step of the process. Her efforts and expertise far exceeded our expectations. Leslie O. rated Erik Markwat 5.0 stars: Would recommend anyone to call Erik!! He is on top of things. He will do everything he can to help you through the process

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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