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Let’s access your equity. (And do cool stuff.)

It’s super simple, and super fast. Here’s how we’ll get the process rolling.

Friendly Lower employee ready to help.
Step 1

Quick chat.

So exciting! We’re reviewing your info and running the numbers. We’ll call you to review your personalized options and get any additional info needed.

Mobile first application experience on phone.
Step 2

Upload documents.

It’s SO simple, and it’s all from your phone. We tell you exactly which documents we need to see, and exactly where to find them. Then you snap a photo and upload. See? Super simple.

Happy family ready to move in.
Step 3

Access that home equity.

We’ll be with you as your loan moves through each step of the process—from processing all the way to closing. With a HELOC from Lower, you’ll be accessing your equity in no time.

A simple guide to get started

What do I need to know to get my home equity?

Access more of your home equity with Lower.

“Smooth, seamless process. Overall great experience.”

Eric

5 Stars!

Lower Homebuyer

Rob
5 Stars!
LendingTree

Uncommon Customer Service

Great experience working with Patrick who was genuinely concerned about helping me make the right decision with my HELOC. Ultimately I did not go with Low**.com, but I would highly recommend giving them a shot. No pressure, and certainly more focused on helping than selling a product. Process was very simple and I would recommend to friends and family

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!"

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."

Gina
5 Stars!
LendingTree

Thank you for your hard work and dedication to making this happen

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 its time to purchase our next home, you will be our first call!!!

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!"

Tina
5 Stars!
LendingTree

Outstanding Customer Service!

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!!

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!

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."

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."

Gina
5 Stars!
LendingTree

Thank you for your hard work and dedication to making this happen

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 its time to purchase our next home, you will be our first call!!!

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!"