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.
Trustpilot 4.8/5 based on 2,500+ reviews
Make the most of your home’s equity with a cash-out refinance from Lower. Enjoy added flexibility, financial freedom, and tailored options to fit your needs.
My husband and I were extremely happy working with Patrick Martin and thanks to Lending Tree we were connected to Patrick. He made everything easy. He's highly knowledgeable and obviously cares about his customers. We highly recommend Lending Tree and Lower.com Because of them we are finally debt free!!
What really made me decide to give my business to Lower.com was the amazing job Andi did while working with me from the first call up until closing day.
My score wasn't the best but Adam was pretty confident he could work something out and this was after being told no by other lenders. I didn't get my hopes up but to my surprise I was approved!
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.
Interest rates on credit cards and personal loans can be 5x higher than mortgage rates. Instead of paying that high interest, start with a lower rate for all of your payments with a cash-out refi.
Your credit is important, so we don't do a hard pull until you're absolutely ready. (And we'll always ask for permission when we do.)
Get a personalized quote and see how a cash-out refinance can provide the funds you need at competitive rates. Start unlocking your home’s potential today.
Both options allow you to access your home’s equity, but a cash-out refinance replaces your existing mortgage with a larger one, while a home equity loan is a second loan on top of your mortgage.
Cash-out refinance rates depend on factors like credit score, loan-to-value ratio, and market conditions. Contact us for a personalized quote to find your best rate.
The amount you can access depends on your home’s equity and loan terms. Typically, lenders allow you to borrow up to 80% of your home’s value.
Learn all about home equity loans, HELOCs, and cash-out refinancing in our Learning Center to find the best option for your financial goals.
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.
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