Our process is simple and hassle-free. Let’s make homeownership a reality.
Simplify the process and save with competitive rates tailored to your goals.
Access funds for renovations, debt consolidation, or big goals with ease.
We connect you with the right loan to bring homeownership within reach.
We’ll schedule a quick phone call with one of our expert loan advisors to help ensure that we’re building the mortgage that’s perfect for you.
Your dedicated loan officer will provide personalized support to help you help you access your equity quickly and confidently from the comfort of home.
Get the max. While others stop at 80% LTV, we offer up to 95%.
Seeing if you qualify is super easy and won’t impact your credit.
A super low monthly payment so you can use that extra cash to get to a better place.
Access as much of your equity as possible—up to $500k with Lower.*
Ready to get started?
Lower helped our family with a HELOC and was extremely friendly, knowledgeable, and responsive. Despite a rapidly changing market, he guided us every step of the way.
Lower.com helped lead us through the process of refinancing and HELOC. There were times when it got a little overwhelming, but Lower always stayed right on top of things and kept us informed...
The whole process from start to finish was easy with Lower.com. My lender was always there and answered any questions I had and made it work for me to close.
The process was easy and painless. Lower was able to give me a great rate + a larger money amount than any other lender! If I ever need a refi, etc. I will be definitely returning to them.
Connor was amazing throughout the entire cash out refinance process. He always kept us up to date with everything going on. He also always made sure he was available to answer any question we might have had.
Did all communication through text message. Signed all documents through an online portal. Easy. Loan just moved into processing phase. Everything is moving very quickly...
The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.
Lower was very responsive, attentive to detail, and a pleasure to work with throughout the process.
Refinancing your home can be a frightening experience. Lower was an answer to prayer. My advisor, Jordan, was amazing! He thoroughly explained each step along the way and was always by his phone if I had questions. He was so kind and caring - he made the entire process simple and set all my fears to rest. For anyone considering a home refinance, I would highly recommend Lower.com.
I recently completed a refinance with lower LLC. I had the pleasure of working with Morgan Marvar. He was professional and always responded to my questions and concerns in a prompt manner. He made sure to let me know where we were in the refinance process, and what was going to happen next. I will most certainly be working with Lower and Morgan again.
I was very happy with Lower and the entire refinancing experience. You can tell Lower really cares about the customer and wants to make the experience as good as possible for the customer."
The process was so easy. It was also easy to upload all the required documents to the portal. Jake was available and answered all my questions promptly. I was approved in just a few days.
This was our 8th mortgage closing and it was by far the easiest!! We had never done a virtual closing and it was smooth as silk from the comfort of our couch at the time of our choosing! The whole process was very easy to follow and understand.
This is my 2nd refi with Matthew Mikel! He is excellent. He is responsive and informative. He is calm and re-assuring. And a bonus, he knows what he is talking about. He can be creative and explain things to you in a way they make sense. Thank you Matthew - we appreciate your service and would definitely recommend you again. Additionally, when it's time to purchase our next home, you will be our first call!!!
The process was easy. Arianna Graves worked very fast to get my loan closed in record timing! I was very impressed with the time. They're rates were excellent!
Based on 1,475 reviews
Based on 1,475 reviews
Based on 1,475 reviews
Based on 1,475 reviews
The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.
Trustpilot Review
As a brand new (never-EVER-thought-about-owning-a-house-before) home owner, I was SO relieved that Lower helped to make the process EXPONENTIALLY easier (and apparently much faster) than I expected. Let Lower help you find your way to your new home. You won't regret it!
Google Review
Lower did an excellent job getting the deal done. They are in constant communication and always available for questions. Lower made everything stress free!
Zillow Review
I worked with Lower to secure a loan for our first house purchase. They were informative, helpful, communicative and nice to boot! Got us a great loan and helped us cross the finish line on the purchase. A++
Bankrate Review
All loans are subject to underwriting or investor approval. Some restrictions may apply. This is not an offer of credit or a commitment to lend. Guidelines and products subject to change. Rates and terms may vary depending upon risk analysis, collateral, and other factors. Call 844-645-6937 for details and qualifying information.
© 2024 Lower, LLC | NMLS#1124061 | www.nmlsconsumeraccess.com | 2021 Lower Holding Co. Lower is a family of Companies. Conducts business as Lower.com, LLC in 38 States. Arizona, Arkansas, California, Connecticut, Delaware, District of Columbia, Florida, Idaho, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts. Minnesota, Mississippi, Missouri, Montana (Lowerdotcom, LLC), Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma (Lower Mortgage, LLC), Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.
Rates, terms, and qualifying details not applicable to stand-alone HELOC options. A HELOC combination product (or HELOC Combo) is a combination transaction of refinancing your existing mortgage at the same time as obtaining a subordinate HELOC loan. Its primary purpose is to allow our customers to borrow additional money in order to qualify for a main mortgage without paying for private mortgage insurance and/or contribute towards closing costs.
Lower home equity line of credit (HELOC) annual percentage rate (APR) is variable and is based on the value of an index plus a margin. The index is the highest rate of interest identified as the 'Prime Rate' in the 'Money Rates' section of the Wall Street Journal.
*Your APR may be higher and will be based on the variable-rate index value in effect at the time of account opening, your credit qualifications, amount of the line of credit, Loan-to-Value (LTV) ratio, and type of property. Your APR will not exceed 18% and your APR may not drop below 4%.
**Maximum LTV and loan amount sought dependent on borrower eligibility, and limited to properties located within specific states and counties. Product is only available in states where Lower is licensed (see nmlsconsumeraccess.org link below). Please call for complete details. $15,000 minimum loan amount required. No annual fee. HELOC transactions are subject to a 1% origination fee. Borrower is responsible for paying required government taxes and fees at closing. By entering in your phone number and email address, and clicking “Let's get started”, you agree that Lower may contact you via an automated telephone dialing system, text message, and email with offers and other information. Phone number is required. Please complete the required field or call to apply at 833-519-9579. You are not required to consent in order to obtain a loan.
Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required as well.
Please consult your tax advisor regarding the deductibility of interest.
Based on the information inside of the calculator, with a home value of $437K and $252K left on the loan.
