Refinancing your home is finally within reach.

With RefiNow from Lower, we’re lowering the barriers and making it easier for working families like you to access more savings than ever before.

Apply now

Three simple steps to save thousands

Save on your home payment and invest in your family.

“I couldn’t have asked for a better experience with Lower!” 4.9

(10,000+)

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.

Apply now

“Lower’s rates are the best around without paying any points.”

Stephanie W.

5 Stars!

Verified Home Purchase

Low Credit Score?
No Problem.

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

Apply now

What you need to know.

Want to know if you qualify for RefiNow?

You’ve paid on time.

You've been 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 when you apply.

You live in your home.

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

Apply now
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What would you do with an extra few hundred per month?

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 goals—you could save thousands to pay for groceries, soccer cleats, or pay off debt.

Apply 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.

Apply Now, You’ll Be Happy You Did.

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

Jan - Zillow Review

(10,000+)

Apply now
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!"

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."

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%.

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!

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."

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."

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!"

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!

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."

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."

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."

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."