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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Transform your home with financing that works for you. Lower offers flexible home improvement loan options—HELOCs, Cash-Out Refinancing, and Home Equity Loans—designed to fit your unique renovation needs and budget.
Choosing the right financing for your home improvement projects is easy with Lower. Here’s why homeowners trust us for their renovations.
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.
A HELOC is a revolving line of credit, ideal if you’re tackling a series of projects or unsure of the total cost upfront. With a HELOC from Lower, you can borrow only what you need, when you need it, and pay interest only on what you use.
With a cash-out refinance, you replace your existing mortgage with a new one, taking out extra cash based on the equity you’ve built up. It’s a smart choice for big projects, such as a full kitchen or bathroom remodel, where a lump sum will cover the costs.
A home equity loan provides a one-time, fixed-rate loan based on your home’s equity. Perfect for projects with a set budget, like a new roof or driveway, a home equity loan offers predictable monthly payments for straightforward planning.
The best financing option depends on your project needs. For ongoing projects, a HELOC may be ideal. For large, one-time remodels, a Cash-Out Refinance or Home Equity Loan can provide the funds in a single payment with predictable terms.
Home improvement loan rates vary based on the type of financing and your personal qualifications, such as credit score and equity. Contact us to get personalized rates for HELOCs, Cash-Out Refinances, or Home Equity Loans. Get your personalized rate quote
Qualification depends on your home equity, credit score, and the type of loan you choose. Generally, HELOCs, Cash-Out Refinances, and Home Equity Loans require sufficient home equity and a qualifying credit score. Contact us to learn more about requirements for each option. Work with a Lower Advisor
From renovations to debt consolidation, learn how to use your home’s equity to reach your financial goals. Visit our Learning Center for expert insights and tips.
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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