Refinance Your Home to Pay Off Debt | Lower Mortgage
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Refinance Your Home to Pay Off Debt

Use your mortgage to combine and pay off credit cards, loans, and more. Reduce monthly payments and get peace of mind.

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 Refinance Lender for Debt Consolidation

Refinance your home and roll high-interest debts into a single, lower payment. 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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Simplify Your Finances

Replace multiple bills with one manageable payment, often at a lower interest rate.

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Trusted Guidance for Homeowners

Our mortgage experts can help explain your options. Get transparent, dedicated-to-you support from start to finish.

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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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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

5.0
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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