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It's official.

We look forward to chatting with you soon. HomePass is headed your way.

Friendly Lower employee ready to help.
Step 1

Quick chat.

So exciting! We can't wait to chat. We’ll call you to walk you through everything HomePass. You're in good hands.

Mobile first application experience on phone.
Step 2

Get access.

Get full access to HomePass. Your offer is even stronger than traditional all-cash offers because it’s guaranteed to close.

Happy family ready to move in.
Step 3

Buy that home.

Find the house and finance as usual. Pick your term, get your rate. We take care of everything else.

Getting started is easy. We’re here to help.

What do I need to know to buy my first home?

Let’s make you a homeowner.

“A great and easy experience for a first-time buyer like myself.”

Enrique

5 Stars!

Lower Homebuyer

Adrian R.
5 Stars!
Zillow

Outstanding Customer Service

"Jake and his team provided outstanding customer service we were able to close our deal in record time (19 days). Excellent feedback was also received from the title company regarding the lender."

Shane
5 Stars!
LendingTree

Very Responsive

"I reached out to about half a dozen banks when looking for a Home Mortgage. Lower came back with the best rates and the agent was extremely responsive and helpful."

Aj
5 Stars!
Zillow

EXCEPTIONAL EXPERIENCE

"Quick and Simple. These are qualities we all need when trying to accomplish a new home purchase amidst our daily obligations. Austin and his team at Lower went far beyond my expectations in assisting me with moving into my new home. I am in a customer experience line of work myself and I’m convinced Austin COULD NOT have made this any easier for me. I’ll be back for my next one!"

Shane
5 Stars!
LendingTree

Very Responsive

"I reached out to about half a dozen banks when looking for a Home Mortgage. Lower came back with the best rates and the agent was extremely responsive and helpful."

Jo
5 Stars!
Zillow

Excellent Customer Service!

The process was so easy. It was also easy to upload all the required documents to the portal. Jake was available and answered all my questions promptly. I was approved in just a few days.

Jill
5 Stars!
LendingTree

Easy and Saved Money

We worked with Ben Rosenthal to complete our mortgage contract quickly and with great satisfaction. We were most concerned about getting the best interest rate possible and with Low**.com we did, choosing them out of about five lenders we shopped. Ben also worked to direct us towards other ways to save money on closing. We appreciate needing less burdensome documentation and being able to upload all that electronically at our convenience. Ultimately the process was streamlined and simple.

Dina
5 Stars!
LendingTree

Highly Recommend

Abby Farber, our loan advisor, was amazing! First time homebuyers and everything went smoothly. She was always available to answer any questions we had. Our first home purchase was a great experience because Abby cares and she helped us through the process

Stephanie W.
5 Stars!
Zillow

Easiest Process and Closing Ever!!

"This was our 8th mortgage closing and it was by far the easiest!! We had never done a virtual closing and it was smooth as silk from the comfort of our couch at the time of our choosing! The whole process was very easy to follow and understand."

Aj
5 Stars!
Zillow

EXCEPTIONAL EXPERIENCE

"Quick and Simple. These are qualities we all need when trying to accomplish a new home purchase amidst our daily obligations. Austin and his team at Lower went far beyond my expectations in assisting me with moving into my new home. I am in a customer experience line of work myself and I’m convinced Austin COULD NOT have made this any easier for me. I’ll be back for my next one!"

Shane
5 Stars!
LendingTree

Very Responsive

"I reached out to about half a dozen banks when looking for a Home Mortgage. Lower came back with the best rates and the agent was extremely responsive and helpful."

Jo
5 Stars!
Zillow

Excellent Customer Service!

The process was so easy. It was also easy to upload all the required documents to the portal. Jake was available and answered all my questions promptly. I was approved in just a few days.

Dina
5 Stars!
LendingTree

Highly Recommend

Abby Farber, our loan advisor, was amazing! First time homebuyers and everything went smoothly. She was always available to answer any questions we had. Our first home purchase was a great experience because Abby cares and she helped us through the process

Vi
5 Stars!
LendingTree

Amazing Experience

I initially was only searching for a price range my fiancé and I could afford. Then immediately after filling out the information Emily from Lower contacted me and from the start she was so amazing and professional! Answered all my questions even if I repeated some! Definitely took care of everything we needed. And worked around my work schedule to contact us and let us know new details about things. Very considerate about timing and very helpful with everything! She’s amazing! Definitely would recommend her and Lower to everyone I know!

Jill
5 Stars!
LendingTree

Easy and Saved Money

We worked with Ben Rosenthal to complete our mortgage contract quickly and with great satisfaction. We were most concerned about getting the best interest rate possible and with Low**.com we did, choosing them out of about five lenders we shopped. Ben also worked to direct us towards other ways to save money on closing. We appreciate needing less burdensome documentation and being able to upload all that electronically at our convenience. Ultimately the process was streamlined and simple.

Adrian R.
5 Stars!
Zillow

Outstanding Customer Service

"Jake and his team provided outstanding customer service we were able to close our deal in record time (19 days). Excellent feedback was also received from the title company regarding the lender."