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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 and a woman smiling in front of a house.
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

Everything was perfect from the beginning with Tina to continuinhg with Loretta. The entire experience was amazing. Everything was clear and timely and I was able to close on my dream home a little early! Thank you so much!

Chrissy W.

Verified Customer

May 25, 2026

5.0

Luis made every step easy for me and my wife to purchase our dream home. Highly recommend.

Isaul V.

Verified Customer

August 11, 2026

5.0

buying for the first time, we had a ton of questions, Kristen was available constantly, answering our questions fully and ensuring we were getting the best deal possible. She was professional, friendly, encouraging. It was an absolute pleasure working with her!

Connor M.

Verified Customer

August 13, 2026

5.0

very proactive communication!

Kim T.

Verified Customer

August 13, 2026

5.0

Erick was quick with the entire process and very straight forward, he answered all of my questions that I had and was there every step of the way.

Michael D.

Verified Customer

July 21, 2026

5.0

Tawna's depth of experience with VA lending was extremely helpful

Jerry F.

Verified Customer

July 7, 2026

5.0

Cindy has been so kind and helpful through our challenging and sometimes messy situation. Great advice and attentiveness.

Adam D.

Verified Customer

August 2, 2026

5.0

Shonna and her team are excellent to work with . Everyone involved was punctial and quick to respond to any questions or concerns I had for them . I am very happy we decided to go with Shonna and her team of experienced professionals.

Timothy B.

Verified Customer

July 17, 2026

5.0

Stacey is a pleasure to work with. She kept me up to date and on track for my refiannce.

Joe C.

Verified Customer

August 5, 2026

5.0

Sarah was amazing tons of help and made everything everything go way smoother

Cole J.

Verified Customer

July 6, 2026

5.0

Every thing on time with great communicatio.

Devanshriben P.

Verified Customer

August 13, 2026

5.0

Fred is a true professional and very helpful. He is very responsive and made the process easy.

John D.

Verified Customer

July 29, 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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