Skip to content

Home Equity
Buy
Refinance
Mortgage Rates
Loan Officers
Login

Home Equity
Buy
Refinance
Mortgage Rates
Loan Officers
Login
Apply Now

Apply Now

Ready to get started?

Reach out and give us a call. We’re here to help.

Need support?

Have questions about your current product? Give us a call and we’ll sort it out.

Hey there, nice to meet you.

We’re Lower. We teamed up with Opendoor to get you an amazing mortgage experience.

31,000+ Five-Star Reviews

Homebuyers and their agents love Lower. "Best mortgage ever."

Zero Credit Impact

Getting pre-approved won’t hurt your credit and there’s no commitment.

Available After Hours

You work after 5 o’clock, so we do, too. Contact us any time, via text, phone or email.

Start my pre-approval

🔒 Your privacy, ensured. Industry leading data security.

Been here before? Log in.

Buy a Home.

Refinance.

Home Equity.

Products

Buy A Home Lower My Rate Access My Equity Free Refi for Life

About

About Us Careers News Reviews

Resources

Calculators Learning Center Make a Payment Secure Upload

Support

FAQs Support Team

Connect

Instagram Facebook LinkedIn

License NMLS Privacy Policy California Privacy Policy Terms of Use Lender Fees Disclaimers SMS Terms and Conditions SMS Privacy Policy MA Borrowers Texas Consumer Complaint

Advertised offers are not guaranteed if you do not continue to meet Lower’s criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners’ association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Lower’s underwriting and Investor requirements. Interest rate examples are as of DYNDATE and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.

© 2025 Lower, LLC | NMLS#1124061 | www.nmlsconsumeraccess.com | Conducts business in 47 States to include the District of Columbia. Alabama, Alaska, Arizona - License #1000936, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky (Lower.com, LLC), Louisiana, Maine, Maryland, Massachusetts Mortgage Broker License -- MC1124061 | Massachusetts Mortgage Lender License -- MC1124061, Michigan, Minnesota, Mississippi, Missouri, Montana (Lower.com, LLC), Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, North Carolina, North Dakota, Ohio, Oklahoma (Lower Mortgage, LLC), Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington (Lower.com, LLC), West Virginia, Wisconsin, and Wyoming.

Home lending products offered by Lower | NMLS #1124061 | 5950 Symphony Woods Road, Suite 312, Columbia, MD 21044 | nmlsconsumeraccess.org | equal housing opportunity

*Free Refi for Life: Offer not valid for subordinate simultaneous or HELOC closings and only applicable for first lien mortgage loans originated by Lower. Not applicable to Brokered loans or Reverse mortgages. Offer exclusively waives Lower retained fees, to include origination, underwriting, processing, and administrative fees. Offer not applicable for discount points, or any third-party settlement service fees, such as Title, Settlement, Appraisal, Credit Report, Commissions, or other similar settlement provider fees. Customer must have closed previous first-lien refinance transaction on or after December 1, 2018, with Lower and at least six (6) months prior to any subsequent applications. By refinancing your existing loan, your total finance charge may be higher over the life of the loan. All applications are subject to underwriting and credit approval. Other conditions or restrictions may apply. Call for complete details. Offer only valid at the Direct-to-Consumer Division, 711 N High St. Floor 7, Columbus, OH 43215, NMLS #1168557 and Bonita Springs Branch, 3501 Bonita Bay Blvd, Bonita Springs, FL 34134. Branch NMLS# 2709923. Offer not available for Washington State consumers.

Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.

Reviews: Zillow® is a trademark of Zillow, Inc. Bankrate® is a trademark of Bankrate, LLC. Lending Tree® is a trademark of Lending Tree, LLC. Google® is a trademark of Google LLC. Facebook® is a trademark of Facebook, Inc.

Clear
Selection