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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

Michael is awesome and really open to helping

Eliezer C.

Verified Customer

June 6, 2026

5.0

Marc did a great job! Communication was amazing, would highly recommend!

Josh D.

Verified Customer

July 24, 2026

5.0

Everything..... from the beginning to the end everyone was helpfull ,informative,kind, and just went to great lengths to make sure it was a stressless and smooth process !!!!

Darren B.

Verified Customer

August 11, 2026

5.0

Gabriela was so good at every turn she was there to make things right and help us through

Lora B.

Verified Customer

July 3, 2026

5.0

Jake was extremely responsive every time I made contact. He was professional, yet personable. Jake guided me through the unknown to me process of buying my first home without ever sounding condecending in the slightest. Him and his team were very quick, yet diligent.

Nathan I.

Verified Customer

August 5, 2026

5.0

I initially doubted Josie was gonna be able to close in the short timeline she provided but she got it done. Josie and her team were on top of everything and made everything go so smoothly

Kevin M.

Verified Customer

July 13, 2026

5.0

Quick easy communication with clear replies about what is needed for the loan process. Her ability to work well with other has made our loan process on this a joy.

David O.

Verified Customer

June 10, 2026

5.0

From the pre-quote process up to final processing, Edgar gave great and constant communication along every step of the way. Every question that I had was answered in a timely manner with an abundant amount of information that allowed a better understanding of this process and easier transition from start to finish. I highly recommend Edgar and team to anyone looking to start this process.

Ryan V.

Verified Customer

July 17, 2026

5.0

Great communication. Very helpful and responsive to all my questions. Highly recommended for your next home purchase!

Michelle A.

Verified Customer

July 23, 2026

5.0

Constant communication and accurate information

Alexander G.

Verified Customer

June 26, 2026

5.0

It has been a pleasure working with Joe. When experience matters it makes everyone’s life easier.

Zohrab S.

Verified Customer

June 1, 2026

5.0

Erik and his team were great to work with. Questions were answered quickly! The whole process was easy thanks to Erik and his team.

Lesley R.

Verified Customer

August 11, 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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