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

Simply the best! Plain and simple

Richard M.

Verified Customer

July 10, 2026

5.0

I am very blessed to have found Marco as my lender. Marco was very informative and he made the mortgage process understandable! Marco explained rates, terms, and options clearly and as a first time homebuyer it was very appreciated!! Marco was very accessible and was very timely in responses. He answered questions quickly and even answered and explained things to me and my wife outside of business hours! Not only was Marco accessible but he was proactive in communication. Before I could even ask a question, Marco was already updating me. He is the definition of proactive communication. What I really appreciated was that Marco was transparent. No hidden fees, no surprises, no last-minute changes. Marco was honest and his character and this process surely showed it. Marco was patient in helping me understand things. We didn't move forward until I understood exactly what he was trying to explain. His expertise and guidance gave my wife and I confidence throughout the entire process. Marco turned a complicated process into a straightforward one and for that I am very grateful for him. Marcos efficiency kept everything running smoothly and on schedule. I am once again very blessed to have Marco as my lender. I can't recommend Marco enough to anyone looking for a mortgage loan!! We truly felt like a priority, not just another client.

Isai A.

Verified Customer

June 5, 2026

5.0

Luis is an amazing Loan Officer, kind and respectful as well as Sharp at his Job, great person all around!

Ricardo G.

Verified Customer

June 21, 2026

5.0

Erik kept my spouse informed, engaged, and encouraged during the loan proces. Any questions that had he was able answer it to the best of his ability.

Deontay C.

Verified Customer

August 2, 2026

5.0

From start to finish, she made sure I understood every step of the process, which gave me a lot of confidence and peace of mind. She was incredibly responsive and answered all of my questions right away, never leaving me unsure or waiting for clarification. Her communication was clear, professional, and consistent throughout. It is rare to come across someone so attentive and thorough, and it truly made the entire experience smooth and stress-free. I would absolutely recommend her to anyone looking for outstanding support.

Evan S.

Verified Customer

June 24, 2026

5.0

always got a call back and answers quickly .

John D.

Verified Customer

July 22, 2026

5.0

This was the second time that I had looked to Tim Summers on a home loan. Tim and his team were wonderful to work with and were able to answer any questions we had without issues or delay. I have recommemend him to several people and will continue to do so. His knowledge and passion for his career doenst go unnoticed.

Whitney I.

Verified Customer

August 15, 2026

5.0

Great person with amazing personality will defenitly recommend

Milvia T.

Verified Customer

June 22, 2026

5.0

We had a great experience with Glenn . He was very responsive and made our simi complicated mortgage request seemless. Thank you so much for making the process so easy . Highly recommend!!!

Ruby S.

Verified Customer

August 9, 2026

5.0

Patrick was incredible to work with throughout my mortgage process. He was literally just a text away whenever I had a question, and I couldn’t have asked for someone more responsive or communicative. He kept me informed every step of the way and even reached out whenever he found a better option for me. Patrick truly had my best interests in mind from start to finish. His entire team was also friendly, knowledgeable, and incredibly helpful, making what could have been a stressful process feel seamless. I highly recommend Patrick and his team to anyone looking for a mortgage broker who genuinely cares about their clients.

Melissa M.

Verified Customer

July 12, 2026

5.0

Thank you for making this process easy and seamless! Appreciate you working to get our down payment as low as possible!

Justin B.

Verified Customer

July 11, 2026

5.0

Judy has saved our transaction in an incredible timeline. We will definitely recommend her to everyone as well as use her services in the future.

Adriana S.

Verified Customer

May 27, 2026

Richard M. rated Sarah Gonzalez 5.0 stars: Simply the best! Plain and simple Isai A. rated Marco Garofalo 5.0 stars: I am very blessed to have found Marco as my lender. Marco was very informative and he made the mortgage process understandable! Marco explained rates, terms, and options clearly and as a first time homebuyer it was very appreciated!! Marco was very accessible and was very timely in responses. He answered questions quickly and even answered and explained things to me and my wife outside of business hours! Not only was Marco accessible but he was proactive in communication. Before I could even ask a question, Marco was already updating me. He is the definition of proactive communication. What I really appreciated was that Marco was transparent. No hidden fees, no surprises, no last-minute changes. Marco was honest and his character and this process surely showed it. Marco was patient in helping me understand things. We didn't move forward until I understood exactly what he was trying to explain. His expertise and guidance gave my wife and I confidence throughout the entire process. Marco turned a complicated process into a straightforward one and for that I am very grateful for him. Marcos efficiency kept everything running smoothly and on schedule. I am once again very blessed to have Marco as my lender. I can't recommend Marco enough to anyone looking for a mortgage loan!! We truly felt like a priority, not just another client. Ricardo G. rated Luis G Cantu Perez 5.0 stars: Luis is an amazing Loan Officer, kind and respectful as well as Sharp at his Job, great person all around! Deontay C. rated Erik Markwat 5.0 stars: Erik kept my spouse informed, engaged, and encouraged during the loan proces. Any questions that had he was able answer it to the best of his ability. Evan S. rated Lilly Horne 5.0 stars: From start to finish, she made sure I understood every step of the process, which gave me a lot of confidence and peace of mind. She was incredibly responsive and answered all of my questions right away, never leaving me unsure or waiting for clarification. Her communication was clear, professional, and consistent throughout. It is rare to come across someone so attentive and thorough, and it truly made the entire experience smooth and stress-free. I would absolutely recommend her to anyone looking for outstanding support. John D. rated Steve Fischer 5.0 stars: always got a call back and answers quickly . Whitney I. rated Tim Summers 5.0 stars: This was the second time that I had looked to Tim Summers on a home loan. Tim and his team were wonderful to work with and were able to answer any questions we had without issues or delay. I have recommemend him to several people and will continue to do so. His knowledge and passion for his career doenst go unnoticed. Milvia T. rated Valeria Knowles 5.0 stars: Great person with amazing personality will defenitly recommend Ruby S. rated Glenn Lazure 5.0 stars: We had a great experience with Glenn . He was very responsive and made our simi complicated mortgage request seemless. Thank you so much for making the process so easy . Highly recommend!!! Melissa M. rated Patrick Wesson 5.0 stars: Patrick was incredible to work with throughout my mortgage process. He was literally just a text away whenever I had a question, and I couldn’t have asked for someone more responsive or communicative. He kept me informed every step of the way and even reached out whenever he found a better option for me. Patrick truly had my best interests in mind from start to finish. His entire team was also friendly, knowledgeable, and incredibly helpful, making what could have been a stressful process feel seamless. I highly recommend Patrick and his team to anyone looking for a mortgage broker who genuinely cares about their clients. Justin B. rated Rebekah Killgo 5.0 stars: Thank you for making this process easy and seamless! Appreciate you working to get our down payment as low as possible! Adriana S. rated Judy L Jones 5.0 stars: Judy has saved our transaction in an incredible timeline. We will definitely recommend her to everyone as well as use her services in the future.

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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