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
Access as much of your home equity as possible with Lower—up to $500k and 95% of your home’s value—while other lenders cap at 80%.
Renovate or pay off high-interest debt with the Lower™ HELOC. Over 30K five-star reviews.
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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.
Ideal for renovations, debt consolidation, or big expenses, a HELOC allows you to borrow what you need, when you need it.
Pay interest only during the 10-year draw period to keep monthly payments low.
Lower offers HELOC rates as low as 8.75%. See what your rate is by applying now.
Your HELOC payment depends on your outstanding balance and current interest rate. Many HELOCs offer interest-only payments during the draw period, which keeps monthly payments low.
HELOC closing costs can vary but typically include fees for appraisal, title search, and documentation. Some lenders may offer reduced or waived fees, so be sure to ask about options when you apply.
Yes, HELOCs are available for investment and rental properties, though they may have different requirements and rates than primary residences.
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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