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Let’s get you that lower rate.

It’s super simple, and super fast. Here’s how we’ll get your refinance 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

Get that lower rate.

We’ll be with you as your loan moves through each step of the process—from processing all the way to closing. With a lower rate from Lower, you’ll be saving thousands before you know it.

Refinancing is easy when you have a great guide.

What do I need to know to refinance my home?

Refinance what you owe and save thousands.

“Very quick and easy…We were able to get a lower rate which lowered our monthly payment.”

Laura

5 Stars!

Lower Homebuyer

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!

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."

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!"

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."

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."

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"

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."

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!

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."

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!"

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."