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Top Mortgage Lender

Trustpilot 4.8/5 based on 2,500+ reviews

VA Loans

Save thousands on your loan.

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Mid-sized suburban home, ready for purchaseFriendly Lower Loan Officer ready to help you into your new home
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Over $8 Billion Funded

VA Loans

The right loan for you.

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Up to 95% loan to value
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Up to 95% loan to value
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Up to 95% loan to value
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Easy and fast access to cash
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Refinance free, forever
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Warm indoor living space

Feature one.

Take money out of your home to pay for whatever you need.

Feature two.

Take money out of your home to pay for whatever you need.

Man working in his outdoor garden
Family enjoying their newly renovated home they were able to afford through their Home Equity Line of Credit, HELOC

Feature three.

Take money out of your home to pay for whatever you need.

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4.9 / 5
Based on 9,000+ reviews

Don't take our word for it.

Great Company to Work With

Lower helped our family with a HELOC and was extremely friendly, knowledgeable, and responsive. Despite a rapidly changing market, he guided us every step of the way.

Dakota M
Trustpilot Review

Definitely recommend!

Lower.com helped lead us through the process of refinancing and HELOC. There were times when it got a little overwhelming, but Lower always stayed right on top of things and kept us informed...

Gina S
Trustpilot Review
A happy Lower.com customer

Great company to work with

The whole process from start to finish was easy with Lower.com. My lender was always there and answered any questions I had and made it work for me to close.

Heather B
Trustpilot Review
A happy Lower.com customer
A happy Lower.com customer

Had a great experience with Lower!

Lower was able to get me approved and in my new home as a first time homebuyer with hardly any issues. My Loan Advisor answered all my questions, and kept me informed throughout the process. Highly recommended!

Thien D
Trustpilot Review

Amazing Service

Connor was amazing throughout the entire cash out refinance process. He always kept us up to date with everything going on. He also always made sure he was available to answer any question we might have had.

Mia M
Trustpilot Review

Easiest refi ever

Did all communication through text message. Signed all documents through an online portal. Easy. Loan just moved into processing phase. Everything is moving very quickly...

Greg A
Trustpilot Review
A happy Lower.com customer

Highly recommend!

The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.

Ranae T
Trustpilot Review
A happy Lower.com customer

XX,XXX+ five star reviews and counting.

My husband and I were extremely happy working with Patrick Martin and thanks to Lending Tree we were connected to Patrick. He made everything easy. He's highly knowledgeable and obviously cares about his customers. We highly recommend Lending Tree and Lower.com Because of them we are finally debt free!!

Tina
LendingTree

What really made me decide to give my business to Lower.com was the amazing job Andi did while working with me from the first call up until closing day.

Cristhtian P.
Google Review

My score wasn't the best but Adam was pretty confident he could work something out and this was after being told no by other lenders. I didn't get my hopes up but to my surprise I was approved!

J.
Google Review

I was very happy with Lower and the entire refinancing experience. You can tell Lower really cares about the customer and wants to make the experience as good as possible for the customer."

Marchelle B.
Google Review

The process was so easy. It was also easy to upload all the required documents to the portal. Jake was available and answered all my questions promptly. I was approved in just a few days.

Jo
Zillow

This was our 8th mortgage closing and it was by far the easiest!! We had never done a virtual closing and it was smooth as silk from the comfort of our couch at the time of our choosing! The whole process was very easy to follow and understand.

Stephanie W.
Zillow

This is my 2nd refi with Matthew Mikel! He is excellent. He is responsive and informative. He is calm and re-assuring. And a bonus, he knows what he is talking about. He can be creative and explain things to you in a way they make sense. Thank you Matthew - we appreciate your service and would definitely recommend you again. Additionally, when it's time to purchase our next home, you will be our first call!!!

Gina
LendingTree

The process was easy. Arianna Graves worked very fast to get my loan closed in record timing! I was very impressed with the time. They're rates were excellent!

Shalette
Verified
See more reviews
A video review from Paul M. who was very happy with his refinance experience
Paul M.
Lower.com Refinance

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