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Unlock your equity.

Start your next renovation or pay off debt.

Lower payments.
Save thousands.

Clear, easy & affordable refinancing from the comfort of your home.

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Apply in 3 minutes
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No-impact credit check. No commitment.
1

Get Started

Take 5 minutes to complete our online application and we’ll match you to the best mortgage for your goals.

Let's go
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No-impact credit check
2

Customize Your Options

We’ll schedule a quick phone call with one of our expert loan advisors to help ensure that we’re building the mortgage that’s perfect for you.

3

Enjoy Your New Savings

Your dedicated loan officer will provide personalized support to help you help you lower your payments quickly and confidently from the comfort of home.

30,000+ Five-Star Reviews
30,000+ Five-Star Reviews
30,000+ Five-Star Reviews
30,000+ Five-Star Reviews
Interest rate based on a $XXXXXX loan amount with a 30-year fixed rate and X.X APR and $XXX.XX monthly payment at 75% loan-to-value (LTV) and X discount points.*

Today's Rate

X.XXX%

Interest rate based on a $XXXXXX loan amount with a 15-year fixed rate and X.X APR and $XXX.XX monthly payment at 75% loan-to-value (LTV) and X discount points.*

Today's Rate

X.XXX%

15-Year
30-Year
15-Year
30-Year

Get the most from your home

Lower your monthly payments and save thousands.

Refinancing with Lower is super simple. Whether you’re removing PMI, lowering your rate, or taking cash out, you’re in the right place. Let’s do this.

See how Lower.com stacks up to the national average, as well as a few top lenders.

Today's average 30-year mortgage rate is

Today's average 30-year mortgage APR is

X.XXX%

X.XXX%

*.

Apply now

Three options.
All savings.

Rate/Term Refinance

Pay less per month or less over time.

Pay less per month, or pay less interest over the life of your loan, or do both! We’ll walk you through your best options.

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HELOC

Make renovations or cover expenses.

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

Cash-Out Refinance

Pay off credit cards or other high-interest debt.

Interest rates on credit cards and personal loans can be 5x higher than mortgage rates. Instead of paying that high interest, start with a lower rate for all of your payments.

Access my equity

Shop around. No credit check until you’re ready to refinance.

Your credit is important, so we don't do a hard pull until you're absolutely ready. (And we'll always ask for permission when we do.)

Oh, and refinance for free. For life.

We call it Free Refi for Life. Buy or refinance once with Lower, and we’ll cover the lending fees on your future refinances, for life.*

Expect to save at least $1,500 every time you refinance. For free. For life. And yeah—for real.

I want in

Refinance what you owe and save thousands.