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

A couple smiles while looking at a phone.

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

Josh, Gino, Anita and the entire team were just absolute pros throughout the entire process with my very challenging scenario! wWill definitely be referring my friends and family.

Shahrouz H.

Verified Customer

July 30, 2026

5.0

Landon and his team were very thorough and good in their communication. Answered any questions we had in a timely manner and almost spot on with numbers.

Keri W.

Verified Customer

July 29, 2026

5.0

Erik made buying our first home a seamless process. He was available for all of our questions, incredibly responsive and made sure we understood each step along the way. He made a stressful process feel easy and straightforward. Would highly recommend his team!

Hannah T.

Verified Customer

August 17, 2026

5.0

Danny made the loan process go so smooth. Couldn’t be happier with his service.

Kevin H.

Verified Customer

June 20, 2026

5.0

Communication was awesome!!

Jerry O.

Verified Customer

July 3, 2026

5.0

You kept us very informed on the matter at all times

Grant L.

Verified Customer

June 27, 2026

5.0

Graham was always quick To answer all of my questions & make sure I had a clear understanding. I am very grateful for him and his team.

Brooke S.

Verified Customer

July 23, 2026

5.0

I truly would double the stars if that were an option... My exper could not have gone better.

Scott H.

Verified Customer

July 4, 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

Very communicative. Went above and beyond.

Jamie C.

Verified Customer

June 13, 2026

5.0

Farryl was on top of everything and was always available through phone calls, texts, or emails!!!

Robert K.

Verified Customer

August 5, 2026

5.0

Scott made happen what I thought was impossible. It was an absolute pleasure working with him and the team.

Teresa M.

Verified Customer

July 28, 2026

Shahrouz H. rated Josh Jarrard 5.0 stars: Josh, Gino, Anita and the entire team were just absolute pros throughout the entire process with my very challenging scenario! wWill definitely be referring my friends and family. Keri W. rated Landon Kail 5.0 stars: Landon and his team were very thorough and good in their communication. Answered any questions we had in a timely manner and almost spot on with numbers. Hannah T. rated Erik Gross 5.0 stars: Erik made buying our first home a seamless process. He was available for all of our questions, incredibly responsive and made sure we understood each step along the way. He made a stressful process feel easy and straightforward. Would highly recommend his team! Kevin H. rated Daniel Rubio 5.0 stars: Danny made the loan process go so smooth. Couldn’t be happier with his service. Jerry O. rated Erik Markwat 5.0 stars: Communication was awesome!! Grant L. rated Jimmy McFarland 5.0 stars: You kept us very informed on the matter at all times Brooke S. rated Graham Nadler 5.0 stars: Graham was always quick To answer all of my questions & make sure I had a clear understanding. I am very grateful for him and his team. Scott H. rated Amber Tanner 5.0 stars: I truly would double the stars if that were an option... My exper could not have gone better. 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. Jamie C. rated Rayma McGehee 5.0 stars: Very communicative. Went above and beyond. Robert K. rated Farryl Brooke 5.0 stars: Farryl was on top of everything and was always available through phone calls, texts, or emails!!! Teresa M. rated Scott Edwards 5.0 stars: Scott made happen what I thought was impossible. It was an absolute pleasure working with him and the team.

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.

I want in

How Long Does It Take to Refinance a Mortgage?
Information Upfront List all mortgages, home equity accounts, debts, income sources and properties...
How Long Does Mortgage Preapproval Take
Explore the key differences between 30-year and 20-year mortgages to find the best option for...
How Much Does a Refinance Cost?
Explore the key differences between 30-year and 20-year mortgages to find the best option for...
How Much Down Payment Do You Need To Buy a House?
housing benefits Down payment assistance grants State and local housing programs Proceeds from...
How Much Equity Do You Need to Refinance?
Explore the key differences between 30-year and 20-year mortgages to find the best option for...
How Much House Can a First-Time Homebuyer Afford?
they rent. Programs vary by state and locality, and they may come as grants, forgivable loans, or...
How Much House Can I Afford on an $80,000 Salary?
mortgage options if you do not want to put 20% down. Your Monthly Debts Debt-to-income ratio...
How Much House Can I Afford with $10,000 Down?
Explore the key differences between 30-year and 20-year mortgages to find the best option for...
How Much House Can I Afford With A $100,000 Salary?
payment. You can also compare low-down-payment mortgage options if you do not want to put 20% down....
How Much House Can I Afford With A $120,000 Salary?
are government-sponsored enterprises that buy mortgages from lenders and set many conventional loan...