Your one-stop
mortgage shop
From first timers to dream home buyers, we make mortgage easy
As featured in:
Lower Rates
Smart technology keeps our costs down so your rate stays low.
Lower Barriers
From first timers to dream home buyers, we make mortgage easy.
Lower Stress
Our team is with you every step of the way, 7 days a week.
No lender fees for life.*
Close your first loan with Lower and you'll never pay lender fees again. Zero origination, underwriting, or processing fees on every refinance after your first loan, for as long as you're a member.
*Not available to Washington consumers. Third-party fees such as title, appraisal, and credit report still apply.
$0
in lender fees on every future refinance
The numbers back it up.
We have the experience and track record to help you win.
50K+
Five-Star Reviews
4.9
Avg. Customer Rating
47
States + D.C.
Licensed
$24B+
Home Loans
Funded
Don't take
our word for it.
Trusted by 50,000+ homeowners across the country.
David and Wendy are both awesome!! They made the process of buying our first house so easy and had great communication throughout the whole experience!
Brice P.
Verified Customer
August 24, 2026
Communication back and forth. Always new what was happening. Gave me confidence that everything was being taken care of on their part.
Rhonda S.
Verified Customer
July 19, 2026
Excellent communication and customer service. Was very patient with my many technical difficulties
Eric C.
Verified Customer
July 3, 2026
Vickie is the best in the business! It was such a joy to work with a Professional like her who knows her business inside and out. She got everything done for us and even made it fun to work with her. Not only is she smart but she genuinely ca…res about her clients. We highly recommend Vickie and will definitely be working with her in the future!
Lynn T.
Verified Customer
August 30, 2026
I knew that the loan process would be smooth with becky involved in the transaction. From the loan approval to the closing, the entire process was done very well. The communication between Becky, myslef and the customer was clear and concise. …Unlike most closings where the the loan is cleared to close the day of closing, the customer's loan was cleared to close a week before the scheduled closing date. My customer is very happy to have worked with Becky on this transaction. And when my customer is happy, I am happy. I will highly recommend Becky to all of my customers.
Michael S.
Verified Customer
August 19, 2026
Chris Is the best!!!! So helpful and extremely patient
Heather T.
Verified Customer
September 14, 2026