Advice Close
Advice Close
Full Expand
Advice Close
Ready to get started?

Reach out and give us a call. We’re here to help.

Need support?

Have questions about your current product? Give us a call and we’ll sort it out.

Refinance with no up-front Appraisal Costs or Fees

With RefiNow from Lower, working families like yours can refinance even with a lower credit score and some debt.

Refinance Now

What is RefiNow?

Refinancing Your Home is Within Reach

If you don’t qualify for traditional refinancing, you could qualify for RefiNow.

Traditional refinancing, on the other hand, is often aimed towards homeowners with higher steady income, good credit scores, and little to no debt.

RefiNow was launched by Fannie Mae in partnership with Lower.com as an affordable financing option for homeowners that didn’t previously qualify due to low credit scores, missed payments, or high debt.

Learn moreRefinance Now

What can RefiNow do for you?

Reduce annual housing costs by up to $3,000!

You can lower your monthly payments and save up to $250 every month with RefiNow by:

  • Getting a longer loan term: Extend your loan by a few more years. Pay less each month.
  • Lowering your interest rate: Get a lower interest rate. Pay less throughout the years.
  • Or both!
Refinance Now

If this is you, you might qualify for RefiNow 👇🏼

Qualifications for RefiNow

You’ve paid on time.

You’ve paid on-time for the last six months, and only late once in the last year.

​​Your credit score is at least 620.

Not sure what your credit score is? We’ll show you for free (no impact) when you apply.

You live in your home.

You have a single-family home that you use as your primary residence.

Refinance Now

“I had some debt weighing on me and [Lower] figured out how to bail me out, plus tack on extra money back so I can reinvest in my home.”

Ryan H.

5 Stars!

Verified Home Refinance

Why we’re a match 🤝

And what to expect from RefiNow with Lower

Get the lowest rate possible. No overpaying.

Get a modern, mobile-first experience. No messy paperwork.

Get your questions answered quickly. No ghosting.

Refinance Now

No harm to your credit score

With Lower’s RefiNow option, a lower credit score doesn’t mean a higher payment. And we won’t do a hard pull on your credit until you know if you qualify.

Refinance Now
Decorative colored circles

What would an extra $3,000 per year do for your family?

You’re guaranteed to save big when you qualify for RefiNow — the program is only available to those who can cut at least .5% off their interest rate. Imagine what an extra $100-$250 a month could do for your family — you could pay off your debt and finally enjoy checking your credit card statements without shame!

Refinance Now

We have the answers you’re looking for.

What if I’m not qualified?

Once you apply we'll evaluate your current home loan and household finances. Don't worry, if you're overqualified, we likely have another Refinance product just right for you. If you're under qualified, we may be able to save you money on your home in other ways. Just give us a chance. ☺️

Is my home loan eligible?

The RefiNow product is aimed to help those that have a Fannie Mae Loan that were affected by the Covid-19 pandemic. You can check your loan at: https://www.knowyouroptions.com/loanlookup

Will applying affect my credit score?

When you apply for a Lower RefiNow loan we'll only do a soft credit check to ensure we don't impact your credit score. Once you know your loan options and want to proceed, we'll ask your permission to do a hard credit check.

Will I have to pay for an appraisal?

As a participant in the RefiNow program with Lower, you will receive a $500 credit towards the cost of an appraisal should you require one to determine the current value of your home.

It only takes 3 simple steps to...

Put an extra $100-$250 per month back in your pocket.

“NEVER expected my refinance to go this smoothly or quickly” 4.9

(16,000+)

Step 1

Apply for RefiNow

Tell us about your household finances and current home loan.

Step 2

See if You Qualify

We’ll advise you on your options and help you choose what's best.

Step 3

Refinance and Save

Get breathing room in your budget and create financial peace.

Refinance Now

Your lower monthly payments will thank you.

Refinance Now. Your Bank Account Will Thank You.

“I looked at several different lenders during my refinance process and Lower had the best rates!”

Jan — Zillow Review

(10,000+)

Refinance Now
John S.
5 Stars!
Google Review

Fast and simple!

"The refinance of our house was fast and simple. The overall process was very simple, easy, and best of all, Mackenzie got us a great rate. Dropping our interest rate by almost 2%.

Gong
5 Stars!
LendingTree Review

Lower was the lowest interest rate

"After speaking with my previous lender and probably five other lenders, Lower was the only one who came back with the lowest interest rate."

Chris
5 Stars!
LendingTree Review

Great job!

"Robert Warne at Lower did a great job on my refinance and got me the best interest rate out of several lenders."

Chris
5 Stars!
LendingTree Review

Great job!

"Robert Warne at Lower did a great job on my refinance and got me the best interest rate out of several lenders."

Marchelle B.
5 Stars!
Google Review

Lower really cares

"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."

Gong
5 Stars!
LendingTree Review

Lower was the lowest interest rate

"After speaking with my previous lender and probably five other lenders, Lower was the only one who came back with the lowest interest rate."

Cristhtian P.
5 Stars!
Google Review

Amazing job!

"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."

Suzanne B.
5 Stars!
LendingTree Review

Our situation was unique...

"Lionel was extremely responsive anytime we had questions. Our situation was unique and he handled it extremely well! Very seamless transaction to refinance home and lower rate."

Chris
5 Stars!
LendingTree Review

Great job!

"Robert Warne at Lower did a great job on my refinance and got me the best interest rate out of several lenders."

Robert
5 Stars!
LendingTree Review

The Best!

"The entire process was quick and simple. they offered the BEST rates, BEST overall payment, LOWEST monthly payment (and closing costs).... GO WITH THESE GUYS if you are refinancing"

Shalette
5 Stars!

Better than the competitors I've worked with and fast!

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!

Cristhtian P.
5 Stars!
Google Review

Amazing job!

"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."

Marchelle B.
5 Stars!
Google Review

Lower really cares

"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."

John S.
5 Stars!
Google Review

Fast and simple!

"The refinance of our house was fast and simple. The overall process was very simple, easy, and best of all, Mackenzie got us a great rate. Dropping our interest rate by almost 2%.

J.
5 Stars!
Google Review

I was approved!

"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!"