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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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No-impact credit check. No commitment.
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

Extremely grateful for the opportunity to work with Elizabeth, her advice and direction during the process of purchasing our first home was nothing short of fantastic!

Garrett C.

Verified Customer

June 25, 2026

5.0

Very knowledgable, great communication and a wonderful staff

Sandra M.

Verified Customer

August 11, 2026

5.0

Steven was amazing! This was the easiest process ever!! We will for sure recommend Steven to our friends!

Penny C.

Verified Customer

August 6, 2026

5.0

Communication and break down of numbers and payments

Toni K.

Verified Customer

June 4, 2026

5.0

Helped out and answered my questions

Brandon S.

Verified Customer

July 18, 2026

5.0

Super quick response time and very helpful

Stephen J.

Verified Customer

July 29, 2026

5.0

Very easy and helpful communication

Dylan A.

Verified Customer

June 11, 2026

5.0

Jeff was very helpful through my process of getting my home . He help every step of the way he was on point . I would recommend everyone to go the Jeff if you looking buy a home .

Veonta R.

Verified Customer

July 18, 2026

5.0

Erik made buying our first home a seamless process. He was available for all of our questions, incredibly responsive and made sure we understood each step along the way. He made a stressful process feel easy and straightforward. Would highly recommend his team!

Hannah T.

Verified Customer

August 17, 2026

5.0

Rayma did a fantastic job of communicating with us through the entire proces. She was very kind and supportive which made the process easy. Thank you to Rayma for her diligent work 😊.

Michael T.

Verified Customer

June 13, 2026

5.0

Marco is an outstanding lender who truly gets it done. He is responsive, knowledgeable, and makes the entire loan process smooth and stress-free. No matter the situation, Marco finds solutions and keeps everything moving so deals close on tim

Michael P.

Verified Customer

August 9, 2026

5.0

This is my third time using Miranda for financing a house Her and her staff are always great to deal with

Julie N.

Verified Customer

July 16, 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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