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5.0
3,100+ reviews
4.9
2,600+ reviews
4.9
9,600+ reviews
4.9
4,300+ reviews
4.9
43,900+ reviews
"Quick and simple."
50,000+ Five-Star Reviews

Only at Lower

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Buy a Home From Your Phone

It's a mortgage application without that "mortgage application" feel.

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Even on Weekends

Text, call, or email your loan advisor 7 days a week. Day or night, on your schedule.

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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.*

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No lending fees

Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.

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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

5.0
Bankrate Logo
3,100+ reviews
4.9
Trustpilot Logo
2,600+ reviews
4.9
Google Logo
4,300+ reviews
4.9
Experience Logo
43,900+ reviews
5.0

Vito and his team are top notch! They guide and communicate each step of the loan process. We appreciate that they took the stress out of this stage of purchasing a home. Keep up the great work!

Megan L.

Verified Customer
5.0

It was nice to get to know Mike as a fellow Texan and someone near our age, not just as our loan officer. We appreciated his steady guidance and his appearance at our closing on the loan.

Susan W.

Verified Customer
5.0

Phil was amazing to work with.

Erica K.

Verified Customer
5.0

Reily and his team was easy to communicate with. He was quick to respond to any questions I had. He made the process go smoothly. Very professional. I would highly recommend!

Mark E.

Verified Customer
5.0

Alisa and our realtor Danielle were both great communicators and were always there if we had any questions. They were very open about the house buying process and what to expect. they streamed lined the process and made it very ea…sy!

Isabelle D.

Verified Customer
5.0

Being a first time homebuyer with kids and a very demanding job meant I had no idea what I was doing and little patience to figure it out. Luckily for me, Tina never made me have to wonder or agonize over anything. She took care of everything a…nd I was never in the dark. She is knowledgeable, kind, and her team is outstanding. Thank you Tina! You are the best!

Rachel H.

Verified Customer
5.0

Quickness of everything

Dustin F.

Verified Customer
5.0

My husband really did most of the interaction after initial contact. I thought Scott was really friendly and willing to answer any questions. The only let down was the interest rate was much higher than what he originally felt confident he co…uld get for us.

Raye M.

Verified Customer
5.0

Shes helped get approved for the host application when they made an error on my application. She's great at explaining everything and how loans work for a first time home buyer!

Derek Y.

Verified Customer
5.0

Ms Libby is amazing and very warm and welcoming. I appreciate how dedicated she is to her role. I am so glad I had her on my team!

Cardesha B.

Verified Customer
5.0

Working with Edgard has been exceptional from the very first transaction. He is the kind of loan officer who looks for solutions, not obstacles, and consistently finds ways to make a deal work. I am genuinely grateful for the dedication he brin…gs to my clients and my transactions. He has made deals happen when other lenders could not, and my buyers have been thrilled with the results. Edgard goes far beyond what is typical in this industry. He is hands‑on with every step of the process—he doesn’t pass tasks off to others, he stays involved and engaged from start to finish. He is honest, patient, and willing to hold a buyer’s hand when needed. Recently, he even took one of my buyers to their own banks to help them gather the required documentation. That level of care is rare. We have closed several transactions together, all successful, and he continues to work diligently all the way through closing. My words may not fully capture how extraordinary he is. He thinks creatively, approaches challenges with an “out‑of‑the‑box” mindset, and is available nights and weekends when the situation calls for it. He truly cares about his clients and the deals he works on, and people feel that immediately. It is not easy in today’s market to find someone like Edgard. I will continue recommending him to my buyers—and to my colleagues’ buyers as well. He is an excellent communicator and even helped keep my nervous sellers calm while representing the buyer. Thank you, Edgard, for your hard‑earned efforts, your care, and your diligence. Respectfully, Laurie Ann von Wald

Laurieann W.

Verified Customer
5.0

Steve, Mark, and Ashley are a great team! Buying a home can be a daunting process, but Steve and his crew kept us updated every step of the way. Always a pleasure to work with this great group of folks! I would highly recommend them to anybody… looking for a mortgage.

Gregory T.

Verified Customer
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