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Refinance With Lower. Lower payments That simple

Get Low, Low, Low.

Here's the plan.

Refinance what you owe to lower your monthly payments and save thousands.

From 20% to
around 6%.

Interest rates on credit cards and loans can be 5x higher than mortgage rates. Instead of paying that high interest and never getting anywhere, get a clean start with a lower rate for all of your payments.

Pay it off faster.

When you refinance with Lower, you can pay down your debts AND have a lower monthly payment. It’s all about using your home equity to its fullest extent. (It’s not magic, but it sure might feel like it.)

Say hello to cashflow.

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

They told you 80%.
We say 95%.

Access more equity to pay off more debt. By unlocking up to 95% of your home’s equity, you can pay off more debt than other lenders only offering up to 80%.

The result? Pure awesome.

  • Boost your credit

    As you pay off your debt, your credit score will naturally rise.

  • Unlock more options

    A better credit score means better financial options and interest rates.

  • Be in a better place

    Lower monthly payments = more money you get to keep per month.

  • Refi free for life

    For a limited time—buy or refi once with Lower™, then pay no lending fees on future refinances, for life.*

Refinance Your House

Get Lower

Apply Now
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*By entering your phone number and clicking “Submit” you agree that Lower may call and text you with offers and other information, including through the possible use of an autodialer and prerecorded messages, at the number you provided. You are not required to consent in order to obtain a loan.

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*By entering your phone number and clicking “Submit” you agree that Lower may call and text you with offers and other information, including through the possible use of an autodialer and prerecorded messages, at the number you provided. You are not required to consent in order to obtain a loan.

  • Visit
  • Lower | Headquarters
    7775 Walton Pkwy STE 400,
    New Albany, OH 43054

*This offer is not guaranteed if you do not continue to meet Lower’s criteria and other factors bearing on your credit worthiness (including acceptable property collateral, income and employment history). Not all applicants will qualify for the rate and monthly payment shown. Monthly payments do not include property taxes, property insurance, and homeowners association dues. Your exact loan's interest rate and payments will depend upon the term of your loan, your credit history, and other qualifying factors. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Lower’s underwriting and Investor requirements. Loans valid for the refinance or purchase of an owner-occupied residence. Loan amounts range from $100,000 to $200,000, or at or under conforming loan limits within your state and county. Rate subject to change depending time of rate lock. Call 844-645-6937 for exact details and qualifying information.

*Quicken is a trademark of Quicken Loans Inc., a subsidiary of Rock Holdings Inc. Sample rate as of . Interest rate based on a $ loan amount with a 30-year fixed rate and APR and $ monthly payment at 75% loan-to-value (LTV).

*Wells Fargo is trademark of Wells Fargo. Sample rates as of . Interest rate based on a $ loan amount with a 30-year fixed rate and APR and $ monthly payment at 75% loan-to-value (LTV).

*Offer not valid for subordinate simulations closings and only applicable for first lien mortgage loans. Offer exclusively waives Lower retained fees, to include: origination, underwriting, processing, or 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 refinance transaction with Lower at least six (6) months prior to any subsequent applications. All applications are subject to underwriting and credit approval. Other restrictions may apply. Call for complete details.

1 Customer satisfaction based on survey completed after application.

Lower home equity line of credit (HELOC) annual percentage rate (APR) is variable and is based on the value of an index plus a margin. The index is the highest rate of interest identified as the 'Prime Rate' in the 'Money Rates' section of the Wall Street Journal.

*Your APR may be higher and will be based on the variable-rate index value in effect at the time of account opening, your credit qualifications, amount of the line of credit, Loan-to-Value (LTV) ratio, and type of property. Your APR will not exceed 18% and your APR may not drop below 4%.

**Maximum LTV and loan amount sought dependent on borrower eligibility, and limited to properties located within specific states and counties. Product is only available in states where Lower is licensed (see nmlsconsumeraccess.org link below). Please call for complete details.

$15,000 minimum loan amount required. No annual fee. HELOC transactions are subject to a 1% origination fee. Borrower is responsible for paying required government taxes and fees at closing. By entering in your phone number and email address, and clicking “Let's get started”, you agree that Lower may contact you via an automated telephone dialing system, text message, and email with offers and other information. Phone number is required. Please complete the required field or call to apply at 833-519-9579. You are not required to consent in order to obtain a loan.

Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required as well.

Please consult your tax advisor regarding the deductibility of interest.

*Offer not valid for subordinate simulations closings and only applicable for first lien mortgage loans. Offer exclusively waives Lower retained fees, to include: origination, underwriting, processing, or 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 refinance transaction with Lower at least six (6) months prior to any subsequent applications. All applications are subject to underwriting and credit approval. Other restrictions may apply. Call for complete details.

Copyright © 2019 Lower, 7775 Walton Pkwy STE 400, New Albany, OH 43054, NMLS ID #1124061 All rights reserved. Equal Housing Lender. All loans are subject to approval, to include the underwriting of credit and collateral. nmlsconsumeraccess.org

Equal Housing Lender | NMLS ID #1124061 | Copyright © 2019 Lower. All rights reserved. | nmlsconsumeraccess.org