Lower Rates. Lower Payments. A techy lender that loves lower

The Lower Way

We asked...

“How can we give our borrowers more for less?” And Lower was born.

Elisabeth

Greg | Certified Loan Advisor

We use our mortgage smarts and AI to guide you.

View open positions here Be An Advocate

We’re just like you, if you were a mortgage expert.

Be There Anytime

No rocketry. Just the important stuff—like lower rates.

  • Save big

    We’re here to get you lower rates and guide you the entire way.

  • Close fast

    Apply. Sign. Keys. A super simple experience means we close quickly, too.

  • Apply easy

    Just give us a few details to get started and we’ll handle the rest.

  • Refi free for life

    For a limited time—buy or refi once with Lower™, then pay no lending fees on future refinances, for life.*

Get Started
M-F: 9AM - 6PM | SAT: 10AM - 4PM EST | SUN: CLOSED

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*By entering your phone number and clicking “Submit” you agree that Lower may call and text you with offers and other information, including through the possible use of an autodialer and prerecorded messages, at the number you provided. You are not required to consent in order to obtain a loan.

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Ready to take another step? Our super simple application takes most people about 7 - 10 minutes. We look forward to chatting with you soon!

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*By entering your phone number and clicking “Submit” you agree that Lower may call and text you with offers and other information, including through the possible use of an autodialer and prerecorded messages, at the number you provided. You are not required to consent in order to obtain a loan.

M-F: 9AM - 6PM | SAT: 10AM - 4PM EST | SUN: CLOSED

Please enter your phone number

Please enter your first and last name

Please enter your zip code

Please enter what you are interested in

*By entering your phone number and clicking “Submit” you agree that Lower may call and text you with offers and other information, including through the possible use of an autodialer and prerecorded messages, at the number you provided. You are not required to consent in order to obtain a loan.

Success!

We'll text you ASAP.

Ready to take another step? Our super simple application takes most people about 7 - 10 minutes. We look forward to chatting with you soon!

Apply Now I'm Done
Hmmm...

Try one more time.

We're sorry, it seems that your inquiry wasn't submitted successfully. Please try again. If you continue to have issues please call the number below.

Try Again I'm Done
Call (844) 64-LOWER

*By entering your phone number and clicking “Submit” you agree that Lower may call and text you with offers and other information, including through the possible use of an autodialer and prerecorded messages, at the number you provided. You are not required to consent in order to obtain a loan.