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Free Refi. For Life*

Finance once with Lower and we'll cover all lending fees on future refinances, for life.*

No-impact credit check. No commitment.
Home Equity Loan Benefits

Real flexibility. Real savings. Real peace of mind.

When you buy or refinance once with Lower, you can expect to save at least $1,500 every time you refinance.

For life.*

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Buy now. Lower your rate later.

No matter where mortgage rates are now, you win. Buy your house now, then refinance to a lower rate later with Free Refi for Life.*

Rates change. Refinance without worry.

Lower your rate now and later. With Free Refi for Life* you don’t have to sweat rate changes, because your lending fees are covered.

Frequently Asked Questions

Free Refi for Life*—your questions answered.

What’s Lower.com’s “Free Refi For Life” program?

Buy now or refinance now with Lower.com and know you can lower your rate later - for free! This offer waives Lower.com’s origination, underwriting, processing, or administrative fees.  You must have closed a previous first-lien refinance transaction on or after December 1, 2018 with Lower. All applications are subject to underwriting and credit approval.

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Ease

We offer an intuitive online experience and personal expert help.

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Affordability

We offer you the most affordable solution - now and in the long run. 

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Transparency

We keep everything as clear as possible and in plain English.

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Trust

Trusted by our borrowers, real estate agents, investors and partners.

How does “Free Refi for Life” save me money?

Each time you refinance, typical lender fees can add up to thousands of dollars. With Free Refi for Life*, these fees are covered, letting you refinance at no extra cost and potentially save more with a lower rate.

Ready to get started?
Button text
Thumbs Up Icon

Ease

We offer an intuitive online experience and personal expert help.

Savings Icon

Affordability

We offer you the most affordable solution - now and in the long run. 

Star Icon

Transparency

We keep everything as clear as possible and in plain English.

Security Icon

Trust

Trusted by our borrowers, real estate agents, investors and partners.

Is there a limit to how many times I can refinance?

No, there’s no limit! Free Refi for Life* means you can refinance as many times as you need, taking advantage of rate changes or new financial goals without paying lender fees again.

Ready to get started?
Button text
Thumbs Up Icon

Ease

We offer an intuitive online experience and personal expert help.

Savings Icon

Affordability

We offer you the most affordable solution - now and in the long run. 

Star Icon

Transparency

We keep everything as clear as possible and in plain English.

Security Icon

Trust

Trusted by our borrowers, real estate agents, investors and partners.

*Terms and Conditions

Offer not valid for subordinate simultaneous or HELOC closings and only applicable for first lien mortgage loans originated by Lower. Not applicable to Brokered loans or Reverse mortgages. Offer exclusively waives Lower retained fees, to include origination, underwriting, processing, and administrative fees. Offer not applicable for discount points, or any third-party settlement service fees, such as Title, Settlement, Appraisal, Credit Report, Commissions, or other similar settlement provider fees. Customer must have closed previous first-lien refinance transaction on or after December 1, 2018, with Lower and at least six (6) months prior to any subsequent applications. By refinancing your existing loan, your total finance charge may be higher over the life of the loan. All applications are subject to underwriting and credit approval.  Other conditions or restrictions may apply. Call for complete details. Offer only valid at the Direct-to-Consumer Division, 5950 Symphony Woods Road, Suite 301, Columbia, MD 21044, NMLS #1168557. Offer not available for Washington State consumers.