FHA Cash-Out Refinance for Debt Consolidation | Lower Mortgage
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Refinance to AccessYour Home Equity

  • Turn your home equity into cash through a trusted refinance process.
  • Fund major expenses or strengthen your financial flexibility.
  • One predictable monthly mortgage payment with no added personal loans or credit lines.

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 Equity Access Lender Here For You

See how much equity you can access and 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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Why Refinance to Access Home Equity?

A cash-out refinance can help you tap into your home’s value for a wide range of financial needs.

Leverage Home Equity

Convert Equity Into Cash Responsibly

A cash-out refinance allows you to access a portion of your home equity—giving you cash for important expenses while maintaining one streamlined mortgage payment.

No-impact credit check. No commitment.
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Flexible Use of Funds

Use Your Equity to Support Your Financial Goals

Whether you need to fund home improvements, consolidate debt, cover education costs, or build savings, a cash-out refinance provides the flexibility to put your equity to work.

No-impact credit check. No commitment.
Trusted Process & Transparent Terms

Work with a Lender You Can Trust

Our experienced team provides expert guidance and clear communication throughout your refinance—so you can access your home equity with confidence.

No-impact credit check. No commitment.
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"Quick and simple."
50,000+ Five-Star Reviews

Only at Lower

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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.""
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Zillow
"Quick and simple."
50,000+ Five-Star Reviews

Only at Lower

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