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

The process was extremely smooth and quick. Any of the questions we had were answered immediately. I cannot say enough good things about our home buying experience.

Stephanie I.

Verified Customer

July 31, 2026

5.0

Taylor answered the phone ANY time we had question! She was super patient with us, answered all of our questions , and really made buying my first house a breeze!

Ridge S.

Verified Customer

June 5, 2026

5.0

knowledgeable with us during every step of the process and explaining it and taking our time, it was a great experience highly recommend them on helping out with all avenues and alleyways of purchasing a house and educating myself and helping me get knowledgeable on what insurance and what policies and procedures to take and suggestions it was a great experience. I highly recommend them to anybody searching for a house. They make a smooth transitional process and they're there every step of the way to help outon what are the right steps to take and they're involved with every situation that I have to communicate with other professionals they have my back and they support me with the whole entire process. It was a beautiful experience very happy and blessed with being a first homebuyer thank you so much.

Devin R.

Verified Customer

July 9, 2026

5.0

Excellent service from start to finish.

Asucena C.

Verified Customer

June 24, 2026

5.0

Everything was finished on time

Richard A.

Verified Customer

July 6, 2026

5.0

Pleasant to work with, timely with all correspondences, ensured smooth closing

Jenna B.

Verified Customer

July 10, 2026

5.0

Angie helped me so much! being a first time home buyer, I had no idea what i was doing, but every qu I had she was always available and willing to help and explain everything! She is the best around!

Emily H.

Verified Customer

July 6, 2026

5.0

Many obstacles were presented and Erick stayed calm and was able to make it happen

Cristian C.

Verified Customer

June 7, 2026

5.0

The communication was excellent

Saraphen D.

Verified Customer

July 7, 2026

5.0

Sandy went above and beyond to ensure I recieved this property. I also appreciate how fast the process was and I will be recommending her to my friends and family. Thank you so much!!

Sengfong R.

Verified Customer

August 7, 2026

5.0

Cindy's approach was courtoues and personable .She communicated in a way that treated people like people instead of just another client. In other words she talked and interacted with people with the dignity and respect one human should to another human.

David C.

Verified Customer

July 18, 2026

5.0

Dilza was amazing! She explored the best option for my situation, explained it well and got thing movings quickly. Thank you so much.

Jasmine P.

Verified Customer

August 18, 2026

Stephanie I. rated Vickie Tuskan 5.0 stars: The process was extremely smooth and quick. Any of the questions we had were answered immediately. I cannot say enough good things about our home buying experience. Ridge S. rated Taylor Fruge 5.0 stars: Taylor answered the phone ANY time we had question! She was super patient with us, answered all of our questions , and really made buying my first house a breeze! Devin R. rated Cheryl Baldwin 5.0 stars: knowledgeable with us during every step of the process and explaining it and taking our time, it was a great experience highly recommend them on helping out with all avenues and alleyways of purchasing a house and educating myself and helping me get knowledgeable on what insurance and what policies and procedures to take and suggestions it was a great experience. I highly recommend them to anybody searching for a house. They make a smooth transitional process and they're there every step of the way to help outon what are the right steps to take and they're involved with every situation that I have to communicate with other professionals they have my back and they support me with the whole entire process. It was a beautiful experience very happy and blessed with being a first homebuyer thank you so much. Asucena C. rated Adriel Esparza 5.0 stars: Excellent service from start to finish. Richard A. rated Amber Tanner 5.0 stars: Everything was finished on time Jenna B. rated Stacey DePriest 5.0 stars: Pleasant to work with, timely with all correspondences, ensured smooth closing Emily H. rated Angie Lewis 5.0 stars: Angie helped me so much! being a first time home buyer, I had no idea what i was doing, but every qu I had she was always available and willing to help and explain everything! She is the best around! Cristian C. rated Erick Martinez 5.0 stars: Many obstacles were presented and Erick stayed calm and was able to make it happen Saraphen D. rated Troy Mlenar 5.0 stars: The communication was excellent Sengfong R. rated Sandy Levy 5.0 stars: Sandy went above and beyond to ensure I recieved this property. I also appreciate how fast the process was and I will be recommending her to my friends and family. Thank you so much!! David C. rated Cindy Hammond 5.0 stars: Cindy's approach was courtoues and personable .She communicated in a way that treated people like people instead of just another client. In other words she talked and interacted with people with the dignity and respect one human should to another human. Jasmine P. rated Dilza Herrod 5.0 stars: Dilza was amazing! She explored the best option for my situation, explained it well and got thing movings quickly. Thank you so much.

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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