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Consolidate Debt With Your Mortgage

Homeowners: Use your mortgage to pay off credit cards, loans, and more. Combine payments, cut rates, and take control of debt.

No-impact credit check. No commitment.
50,000+ Five-Star Reviews
5.0 3,100+ reviews
4.9 2,500+ reviews
4.9 4,300+ reviews
4.9 28,800+ reviews
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Get Started

Fill out our application in just 3 minutes or less and we’ll find the best mortgage for your goals.

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Customize Your Options

We’ll schedule a quick call with an expert loan advisor to build the perfect mortgage for you.

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Access Your Equity

Get personalized support from our dedicated loan officer to access your equity quickly and confidently.

No-impact credit check. No commitment.

The #1 Debt Consolidation Lender here for you.

See how much debt you can pay off with your home. Find out why we've got over 30,000 five-star reviews from across the nation.

No-impact credit check. No commitment.
$0
Available to you*
Enter your home value and what you owe to see your estimate.

That's <> more than almost any other lender

Get the max. While others stop at 80% LTV, we offer up to 95%.

Up to 95% loan to value
Easy and fast access to cash
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"Quick and simple."
50,000+ Five-Star Reviews

Only at Lower

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Lower Payments, One Loan

Turn high-interest bills into a single, manageable mortgage payment. Reduce stress and save money.

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Exclusive Options for Homeowners

Unlock debt consolidation programs available only with a mortgage and get expert guidance every step of the way.

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Buy a Home From Your Phone

It's a mortgage application without that "mortgage application" feel. Apply in 3 mins or less.

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Get the most out of your equity.

Lower monthly payments and lower interest rates make paying off your debt or renovating your home actually possible. (That’s how we do Lower.)

No-impact credit check. No commitment.
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Compare your options

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Trusted by over 30,000 customers across the U.S.

Don't take our word for it.

""Jake and his team provided outstanding customer service we were able to close our deal in record time (19 days). Excellent feedback was also received from the title company regarding the lender.""
AJ
Zillow
"Quick and simple."
50,000+ Five-Star Reviews

Only at Lower

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3,100+ reviews
4.9
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2,500+ reviews
4.9
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4,300+ reviews
4.9
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28,800+ reviews