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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

Tyler Helm was a great help through the whole process.

Ryland B.

Verified Customer
5.0

Erik is extremely knowledgeable in all aspects of home mortgage and financial matters. His guidance throughout our HELOC process was outstanding and he was able to make the complicated process of the loan very simple for us. We are very satisfi…ed with Erik and will definitely use him again when the need arises. Ken and Mary Moriarty Colleyville, TX

Ken M.

Verified Customer
5.0

Quick comminicstion from Mitchell and his team

Morganne O.

Verified Customer
5.0

very proactive communication!

Kim T.

Verified Customer
5.0

Everything Mrs.Taylor did for us

Kevin S.

Verified Customer
5.0

Travis took the time to answer all of my questions and thoroughly explain my loan to me, which helped us feel more comfortable with our home purchase. If I ever didn’t understand something, I felt very comfortable ask…ing questions. The frequent updates we received about our loan letting us knowing exactly were in each step of the loan process up until closing. I appreciated that Travis and Morgan both were available by phone or email anytime I needed to ask a question and they always responded quickly! They truly made the entire process feel easy and stress-free! We have used Travis before as our loan officer and we will use again!

Erika H.

Verified Customer
5.0

Tony is a true professional, providing information and wonderful service at all times. He was available when I needed him to be and he took care of my father and I exceptionally. A true consummate loan officer of Lower Mortgage and the industry….

Gabriel D.

Verified Customer
5.0

Greg is extremely knowledgeable and a top-notch communicator. He consistently keeps us updated, especially on Fridays going into the weekend, even when there are no new developments. Furthermore, his team members are true experts in their field… who know how to get projects across the finish line. A++++++ service!

Jeanette M.

Verified Customer
5.0

Joanie worked very well with me throughout the entire process of getting a mortgage. She also sang me a song when I closed :)

Levi O.

Verified Customer
5.0

Troy was awesome. He was very patience with all my questions which I had to ask more than once. With my old phone I would miss calls and voice mails, and yet Troy was still patience. (I got a new phone) I am very thankfull for the process and w…ith Troy. Thank you

Suzanne P.

Verified Customer
5.0

Everything was smooth answerd and explained questions everything went perfect

Damian C.

Verified Customer
5.0

Bob was very responsive, answered all questiond and explained everything in detail .

Evan T.

Verified Customer
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