Mortgage
magic.
Super simple. Lightning-fast application. Dedicated mortgage expert. Get a home loan you’ll actually love.
Only at Lower
Buy a Home From Your Phone
It's a mortgage application without that "mortgage application" feel.
Even on Weekends
Text, call, or email your loan advisor 7 days a week. Day or night, on your schedule.
Refreshingly Real
We use all of our creative might to build the best loan, at the best price, just for you.
And refinance for free.
For life.*
No lending fees
Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.
Worry free
Buy now or refinance now and know you can lower your rate later with peace of mind.
Don't take our word for it.
Over 50,000 five star reviews and counting
Consistanly excelent at what they do
Denny Y.
Verified Customer
July 2, 2026
Working with Nick was a great experience!
Andrew P.
Verified Customer
August 24, 2026
From start to finish (present at the closing table), Murdock got it done in style. We had a fast close and I am self employed, which has been difficult in the past with other loan officers.
Byran C.
Verified Customer
August 19, 2026
The lending process is intricate and at times complicated. Erik and his staff made it easy and smooth, especially during busy work weeks. There is always someone at Lower Mortgage who is available and willing to help. Highly recommend this co…mpany, Erik Gross and his amazing staff.
Amy S.
Verified Customer
August 8, 2026
Edgar and his team were amazing to work with, they are prompt, curtious and efficent, if you want to close on your home, call Edgar and his team. - Rosa.
Rosa M.
Verified Customer
August 2, 2026
Nikki and Miranda were fantastic!! Any questions we had were answered quickly, kindly, and efficiently + we were kept in the loop every step of the way. So thankful for the guidance provided!
Laura F.
Verified Customer
July 31, 2026
Deanna was very pleasant and easy to work with. She was very attentive with any questions I had and took the time to explain the process. She is very knowledgeable and compassionate about the work she does, and it shows. With the help of her an…d her team, my family and I were able to accomplish one of our biggest dreams in buying a home. I can’t thank them enough!
Erica O.
Verified Customer
August 5, 2026
Great communication and friendly staff
Phyllis W.
Verified Customer
August 15, 2026
Very informative. As a firat time home buyer the proceess is extremely daunting. It felt like Sara held our hand through the process and guided us to the correct deconstruction for our family. She was not abrasive and was very easy to get ahold… of.
Mason F.
Verified Customer
July 2, 2026
Very responsive. Quick pre-approval. Very pleasant personality. Great communication.
Brent R.
Verified Customer
June 28, 2026
Jeff made the process quick and easy. We love Jeff!
Andrew B.
Verified Customer
June 30, 2026
Phil is outstanding to work with. He helped so much through the loan process. He's so nice, personable & brings so much knowledge to the table. Highly recommend to all!
Michael N.
Verified Customer
August 21, 2026