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.
Buy a Home
Flexible conventional loans, accessible FHA mortgages, VA loans with no down payment, jumbo loans for high-cost homes, and more.
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.
Lower My Rate
Refinance to lower your rate, change your mortgage terms, or even access your equity through a cash-out refinance.
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
Get Started
Take 3 minutes to complete our online application, and we’ll connect you with the best financing option for your needs.
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.
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.
30,000+ five star reviews and counting.
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Made communicating super easy, it's a lot at 1st but Troy was able to make things happen effortlessly.
Rebecca A.
Verified Customer
August 3, 2026
We just bought our house through lower dyan and Logan were top notch we didn’t think we’d get approved but they worked day and night 24/7 to get us there! We love them!
Jake F.
Verified Customer
June 14, 2026
My experience in getting the mortgage loan was quick and very easy.
Sheryl P.
Verified Customer
August 11, 2026
Super responsive. Very knowledgeable. Tailored everything to my specific needs. i
Bryan P.
Verified Customer
June 16, 2026
Tanya was Amazing & very knowledgeable with rules & regulations. I will recommend to anyone who needs loan!
Byung K.
Verified Customer
July 6, 2026
Jackie is amazing and so informative and just a genuinely amazing person. We will definitely consult her again if the opportunity arises.
Richard B.
Verified Customer
June 25, 2026
Buying a home can be incredibly stressful and overwhelming, but Hailey made the entire experience feel so much easier than we ever expected. From start to finish, she was knowledgeable, responsive, patient, and genuinely supportive every step of the way. What stood out the most to us was not only how professional and hardworking she was, but how down-to-earth and understanding she was as a person. Life doesn’t stop just because you’re buying a house, and she truly understood that. She was patient with questions, understanding about everyday life and scheduling challenges, and never once made us feel pressured or judged. She treated us like real people instead of just another file on her desk, and that meant a lot during such a major life moment. She always made sure we understood what was happening throughout the process, explained things clearly, and kept communication open the entire time. Any stress or confusion we had, she helped calm immediately with honesty, reassurance, and guidance. It genuinely felt like she wanted the best for our family and cared about helping us succeed. Because of her, what could have been an exhausting and intimidating process ended up feeling exciting and manageable. We are beyond grateful for all of her hard work, kindness, and dedication. We truly cannot recommend Hailey enough. If you want someone who is professional, trustworthy, incredibly good at what she does, while also being compassionate, approachable, and easy to work with, she is absolutely the person you want helping you through the home-buying process.
River A.
Verified Customer
May 26, 2026
Very helpful and knowledgeable on everything we needed to proceed and finish with our home greatly appreciate all of Graham's help
William T.
Verified Customer
June 18, 2026
Rick has helped us so much throughout the home buyer process. He is knowledgeable and helpful with various options. I would definitely recommend using his services if you are in the market for buying or refinancing!
Ronald D.
Verified Customer
July 31, 2026
Fred was there every step of the way. Great communication. Keep up the good work.
Joseph S.
Verified Customer
July 17, 2026
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
Casey explain the process every step of the way & answered every question we had. He was thoughtful of us & we appreciated it.
Kimberly F.
Verified Customer
July 31, 2026
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.
Mortgage Resources
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Bridge Loan vs. HELOC: Comparison Of Costs And Flexibility
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Can You Get Mortgage Preapproval With Bad Credit?
in Desktop Underwriter can use asset verification reports and credit reports to identify recurring...
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Cash-Out Refinance vs. HELOC on an Investment Property
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Cash-Out Refinance vs. Fixed-Rate Home Equity Loan
-out refinance rates are frequently lower than fixed-rate home equity loan rates, assuming similar...
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Can You Get a Cash-Out Refinance on an Investment Property?
Explore how to leverage cash-out refinancing on investment properties to access equity, fund...