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

Zeida and her team did a wonderful job; the communication, attention, explanations, and dedication at every step of the process were outstanding.

Jeanelle P.

Verified Customer

June 30, 2026

5.0

Simply the best! Plain and simple

Richard M.

Verified Customer

July 10, 2026

5.0

Communication was awesome!!

Jerry O.

Verified Customer

July 3, 2026

5.0

Luis was always there to help. Any question that I had was answered efficiently. It made the process of buying a house really smooth. I also learned a lot though him!

Mauricio P.

Verified Customer

July 23, 2026

5.0

Erick is very kind and patient; he gives clear explanations and guides you through the entire process.

Odalys R.

Verified Customer

June 18, 2026

5.0

Ruth was very professional and an excellent communicator. She was very efficient in getting our finances secured for our new home purchase. The experience was seamless. Ruth communicated to us throughout the whole process so that we were educated on time frames and milestones regarding our financing to closing. I highly recommend Ruth for any lending services. She is very knowledgeable and very approachable! Thank you so much Ruth, you were amazing!

Lindsay R.

Verified Customer

June 30, 2026

5.0

Great at helping buyer achieve there goals

Ignacio A.

Verified Customer

July 9, 2026

5.0

I met Eric Williams at a Sunday Open House (March 2026) in Maumelle. Along with the realtor hosting the Open House, Eric was assisting potential home buyers like myself by providing valuable insight to various mortgage lending programs. He mentioned several mortgage programs that might work for me, but one program in particular piqued my curiosity. The next day, I called Eric to ask additional questions about the program. The program turned out to be the ideal match for me. I was sold on the program and started the procedure to get approved for funding. Through the entire loan process, Eric was a great communicator always keeping me in the loop and was extremely easy to work with. And he is very respectful and courteous. He definitely is a “people person!”Overall, I would describe Eric as “the person” that goes “above and beyond” the idea of helping people. Eric, I can’t thank you enough for all the help you gave me in achieving my dream home.

Louis S.

Verified Customer

June 9, 2026

5.0

Taylor Fruge made my mortgage process outstanding. She was knowledgeable, patient, and extremely responsive from start to finish. She clearly explained every step, answered all my questions, and proactively kept me updated while moving everything forward efficiently. Her professionalism and genuine care made what can be a stressful experience feel smooth and easy — I highly recommend Taylor to anyone looking to purchase their dream home!!!

Joseph B.

Verified Customer

June 10, 2026

5.0

Eva Was always available to answer any questions . Was very Thorough and walked me through every single process. Such a kind and caring person.

Natalie M.

Verified Customer

August 14, 2026

5.0

Rick and Tina were very responsive, thourough, and accomodating to any questions I had throughout tyhe whole closing process.

Gregory E.

Verified Customer

June 29, 2026

5.0

Jill was incredible to work with throughout the entire loan process. She was knowledgeable, responsive, and made everything easy to understand from start to finish. She was able to secure assistance that covered my down payment, which saved me a significant amount of money and made purchasing my home much more affordable. Jill took the time to explain every step, answered all of my questions, and genuinely had my best interests in mind throughout the process. Her professionalism, dedication, and expertise made all the difference. I highly recommend Jill to anyone looking for a mortgage loan officer who will go above and beyond to help you secure the right loan. I couldn’t be happier with the service she provided!

Natalie M.

Verified Customer

July 20, 2026

Jeanelle P. rated Zeida Mendez 5.0 stars: Zeida and her team did a wonderful job; the communication, attention, explanations, and dedication at every step of the process were outstanding. Richard M. rated Sarah Gonzalez 5.0 stars: Simply the best! Plain and simple Jerry O. rated Erik Markwat 5.0 stars: Communication was awesome!! Mauricio P. rated Luis G Cantu Perez 5.0 stars: Luis was always there to help. Any question that I had was answered efficiently. It made the process of buying a house really smooth. I also learned a lot though him! Odalys R. rated Erick Martinez 5.0 stars: Erick is very kind and patient; he gives clear explanations and guides you through the entire process. Lindsay R. rated Ruth Dudley 5.0 stars: Ruth was very professional and an excellent communicator. She was very efficient in getting our finances secured for our new home purchase. The experience was seamless. Ruth communicated to us throughout the whole process so that we were educated on time frames and milestones regarding our financing to closing. I highly recommend Ruth for any lending services. She is very knowledgeable and very approachable! Thank you so much Ruth, you were amazing! Ignacio A. rated Tonya Jenkins - TJ 5.0 stars: Great at helping buyer achieve there goals Louis S. rated Eric Williams 5.0 stars: I met Eric Williams at a Sunday Open House (March 2026) in Maumelle. Along with the realtor hosting the Open House, Eric was assisting potential home buyers like myself by providing valuable insight to various mortgage lending programs. He mentioned several mortgage programs that might work for me, but one program in particular piqued my curiosity. The next day, I called Eric to ask additional questions about the program. The program turned out to be the ideal match for me. I was sold on the program and started the procedure to get approved for funding. Through the entire loan process, Eric was a great communicator always keeping me in the loop and was extremely easy to work with. And he is very respectful and courteous. He definitely is a “people person!”Overall, I would describe Eric as “the person” that goes “above and beyond” the idea of helping people. Eric, I can’t thank you enough for all the help you gave me in achieving my dream home. Joseph B. rated Taylor Fruge 5.0 stars: Taylor Fruge made my mortgage process outstanding. She was knowledgeable, patient, and extremely responsive from start to finish. She clearly explained every step, answered all my questions, and proactively kept me updated while moving everything forward efficiently. Her professionalism and genuine care made what can be a stressful experience feel smooth and easy — I highly recommend Taylor to anyone looking to purchase their dream home!!! Natalie M. rated Eva Aycock 5.0 stars: Eva Was always available to answer any questions . Was very Thorough and walked me through every single process. Such a kind and caring person. Gregory E. rated Rick Fantucci 5.0 stars: Rick and Tina were very responsive, thourough, and accomodating to any questions I had throughout tyhe whole closing process. Natalie M. rated Jill Taylor 5.0 stars: Jill was incredible to work with throughout the entire loan process. She was knowledgeable, responsive, and made everything easy to understand from start to finish. She was able to secure assistance that covered my down payment, which saved me a significant amount of money and made purchasing my home much more affordable. Jill took the time to explain every step, answered all of my questions, and genuinely had my best interests in mind throughout the process. Her professionalism, dedication, and expertise made all the difference. I highly recommend Jill to anyone looking for a mortgage loan officer who will go above and beyond to help you secure the right loan. I couldn’t be happier with the service she provided!

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.

I want in

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