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.
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Conventional mortgages offer competitive rates, diverse term options, and fewer restrictions—perfect for buyers with good credit looking for straightforward terms and lower costs.
Conventional loans offer popular 15- and 30-year terms, ideal for budget-friendly monthly payments and long-term stability. Find the perfect fit for your financial goals.
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.
Enjoy long-term stability and manageable monthly payments with a 30-year fixed rate mortgage from Lower. Perfect for those seeking predictability and a comfortable budget fit.
Pay off your home faster and save on interest with a 15-year fixed rate mortgage from Lower. Ideal for those who want to build equity quickly and secure long-term savings.
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.)
A conventional loan is a mortgage not insured by the government, unlike FHA, VA, or USDA loans. It typically has fewer restrictions and may offer better rates for qualified buyers with good credit.
Conventional loans generally require a credit score of at least 620. However, higher scores may help you secure better rates and terms, especially with lower down payments.
If you make a down payment of less than 20%, PMI is typically required. However, once you reach 20% equity, you can request to have PMI removed, which lowers your monthly payments.
Our homebuying resources offer expert tips, guides, and tools to help you navigate every step, from budgeting to closing on your dream home.
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.
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