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

Becky you were fantastic helping us get through all the red tape., we absolutely love our new home; thanks for ererything

Peter I.

Verified Customer

August 2, 2026

5.0

Nick is simply the best. I had a wonderful experience. He is knowledgeable, professional, and goes above and beyond to help his clients.

Emily B.

Verified Customer

July 14, 2026

5.0

Jeremy and his team had clear, prompt communication. They made us feel like a priority and were quick to respond to questions. Everything was completed with excellence.

Janelle M.

Verified Customer

May 25, 2026

5.0

Lower Mortgage is a great team Scott helped me get approved for a ln excellently amount to purchase my Dream Home!

Dat S.

Verified Customer

May 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

Vito and his team were absolutely marvelous! They basically held our hands throughout the entire process and made it an exceptionally, simple and stress free. We had a few speedbumps in the way and they were handled in a timely manner. Thank you Vito and the entire team for everything!!!

Jodi I.

Verified Customer

July 23, 2026

5.0

Fantastic experience from start to finish. McLean was knowledgeable, responsive, and genuinely invested in helping us get the best loan for our situation. He made the entire process easy and stress‑free. Highly recommend!

Tyler S.

Verified Customer

May 30, 2026

5.0

Rachelle was absolutely wonderful throughout our entire home buying process! She was friendly, knowledgeable, responsive, and always willing to answer our questions. She kept us updated every step of the way and made the mortgage and closing process feel much less overwhelming. We truly appreciate all of her hard work and everything she did to help our family get into our new home. We would absolutely recommend Rachelle to anyone looking to purchase a home!

Mikayla W.

Verified Customer

August 14, 2026

5.0

Best experience flawless execution!

John M.

Verified Customer

July 30, 2026

5.0

Susan was always available and soo helpful. She explained everything that didn't make sense with so much detail which is important in this work. We were grateful to have Susan as our lender!

Jocelyne L.

Verified Customer

August 9, 2026

5.0

She gets back to you quickly, easy to talk to, makes you a priority, goes out of her way to make the process easier.

Kirsten K.

Verified Customer

June 16, 2026

5.0

Ms Nadia made all the difference. She was very professional and very positive and reassuring every step of the way. It was an excellent experience over all.

Cynthia H.

Verified Customer

June 11, 2026

Peter I. rated Becky Sikorski 5.0 stars: Becky you were fantastic helping us get through all the red tape., we absolutely love our new home; thanks for ererything Emily B. rated Nick Morrone 5.0 stars: Nick is simply the best. I had a wonderful experience. He is knowledgeable, professional, and goes above and beyond to help his clients. Janelle M. rated Jeremy Daugherty 5.0 stars: Jeremy and his team had clear, prompt communication. They made us feel like a priority and were quick to respond to questions. Everything was completed with excellence. Dat S. rated Scott Edwards 5.0 stars: Lower Mortgage is a great team Scott helped me get approved for a ln excellently amount to purchase my Dream Home! 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. Jodi I. rated Vito Mirra 5.0 stars: Vito and his team were absolutely marvelous! They basically held our hands throughout the entire process and made it an exceptionally, simple and stress free. We had a few speedbumps in the way and they were handled in a timely manner. Thank you Vito and the entire team for everything!!! Tyler S. rated McLean Fowler 5.0 stars: Fantastic experience from start to finish. McLean was knowledgeable, responsive, and genuinely invested in helping us get the best loan for our situation. He made the entire process easy and stress‑free. Highly recommend! Mikayla W. rated Rachelle Killman 5.0 stars: Rachelle was absolutely wonderful throughout our entire home buying process! She was friendly, knowledgeable, responsive, and always willing to answer our questions. She kept us updated every step of the way and made the mortgage and closing process feel much less overwhelming. We truly appreciate all of her hard work and everything she did to help our family get into our new home. We would absolutely recommend Rachelle to anyone looking to purchase a home! John M. rated Sean Antonius 5.0 stars: Best experience flawless execution! Jocelyne L. rated Susan Key 5.0 stars: Susan was always available and soo helpful. She explained everything that didn't make sense with so much detail which is important in this work. We were grateful to have Susan as our lender! Kirsten K. rated Taylor Fruge 5.0 stars: She gets back to you quickly, easy to talk to, makes you a priority, goes out of her way to make the process easier. Cynthia H. rated Nadia Najera 5.0 stars: Ms Nadia made all the difference. She was very professional and very positive and reassuring every step of the way. It was an excellent experience over all.

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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