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All Loan Options

Find a loan that meets your needs.

Whether you're looking to buy, lower your rate, or use your equity, Lower has options for you.

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A man, woman, and child smile while moving into a new house.
Purchase

Buy a Home

Flexible conventional loans, accessible FHA mortgages, VA loans with no down payment, jumbo loans for high-cost homes, and more.

See Your purchase options >
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Home Equity Loans

Tap Into Equity

Choose between a fixed-rate, lump-sum home equity loan for large sums, or a revolving HELOC for flexible access to funds.

See How Much You Can Access >
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Refinance

Lower My Rate

Refinance to lower your rate, change your mortgage terms, or even access your equity through a cash-out refinance.

Find out more about refinancing >

Learn More About Our Loan Options

For buying a home

Conventional loans are the most common type of home loan. They come with built-in flexibility, and down payments as low as 3% if you're a qualifying first-time homebuyer. They can be used to purchase both primary residences and second homes.

But those aren't the only option for buying a home.

FHA loans: FHA loans have more flexible credit score and down payment requirements. We follow the agency guidelines for minimum credit scores and down payments, so you might qualify with a credit score as low as 580. 

VA loans: VA loans feature competitive rates and no down payment requirement for eligible veterans.

Jumbo loan: Jumbo loans let you borrow above your county's conventional loan limit.

For lowering your rate

Rate-term refinance: A rate-term refinance replaces your mortgage with a new one. It can be useful if you're looking to take advantage of lower rates, or if you want to change your loan terms and save money on interest in the long run.

Cash-out refinance: A cash-out refinance replaces your mortgage with a new, larger loan and lets you access a portion of your equity. 

For accessing your equity

A cash-out refinance isn't the only way to access your equity. If you're looking to consolidate debts, fund major home renovations, or pay for other life expenses, we have home equity options for you.

HELOC: A HELOC is a revolving line of credit secured by your home. Think of it like a home-backed  credit card, just with a typically lower rate and a much higher limit. A HELOC is a strong option if you need flexible access to equity for phased expenses.

Home Equity Loan: Need a lump sum for one-time debt consolidation or a big project? Look no further than a home equity loan. Home equity loans have fixed rates, meaning you'll have predictable payments throughout the life of the loan.

Work with a Lower Advisor to get personalized loan options

1

Get Started

Take 3 minutes to complete our online application, and we’ll connect you with the best financing option for your needs.

2

Customize Your Options

We’ll schedule a quick call with one of our expert loan advisors to help find the loan solution that’s right for you.

3

Access Your Financing

Your dedicated loan officer will guide you every step of the way, helping you complete the loan process quickly and confidently from home.

Let's Go >
No-impact credit check. No commitment.

30,000+ five star reviews and counting.

Check ‘em out on: Trustpilot | Google | Zillow | Bankrate

5.0

Great communication every step of the way!

Keith H.

Verified Customer

September 22, 2026

5.0

I had a bit of a complicated situation, with a lot of moving parts. There was constant communication through the entire process. With the deadline we had quickly approaching Ashley and her team worked hard and mad…e sure everything got finished in time. I'd reccomend her to anyone looking to purchase a home.

David B.

Verified Customer

October 12, 2026

5.0

Shonna made the process as easy and as smooth as possible. She answered any questions we had quickly and always told us what our options were and what she'd recommend and why. Wouldn't hesitate to use her again in the future!

Jacob P.

Verified Customer

October 31, 2026

5.0

Great communication! Fast and very clear instructions.

Gerard V.

Verified Customer

September 28, 2026

5.0

I was made aware of the options available to me and guided along as well as set on the path to alleviating my debts in a reasoMable manner and have peace of mind.

Jose L.

Verified Customer

October 8, 2026

5.0

Jimmy was amazing from start to finish! He communicated so well and explained every step of the process to us. He saved us and cleaned up a mess that he didn’t make, and had a fantastic attitude the entire time! I could call or… text Jimmy anytime of day and he would always answer. I couldn’t recommend Jimmy McFarland enough, and I will always sing his praises. We will forever be grateful for everything he has went out of his way to do for us to buy our home.

Victoria B.

Verified Customer

October 10, 2026

5.0

Rayma was very good at communicating the stuff she needed from me and helped explain alot of things that i didn't understand. Very helpful with everything! highly recommend!

Noah R.

Verified Customer

October 21, 2026

5.0

Jeff you are great, I appreciate how you handled my situation an got me through it. I never thought I would ever get through it to purchase a house. Thank you.

Michael A.

Verified Customer

October 10, 2026

5.0

Jon always takes great care of our clients and we also enjoy working with him. Thanks!

Katie W.

Verified Customer

October 30, 2026

5.0

Zeida and Joandy are great. They are extrremely responsive and can make the most difficult loans happen. Not only do they make magic happen, they also seem to stay on top of everyone to expedite the loan and make closings happen sooner!

Erica S.

Verified Customer

August 21, 2026

5.0

Rayma was so wo derful to work with! From her communication and being a ailable to us when we needed her was invaluable! She explained everything to us so that we could easily Understand, which we really … needed being first time home buyers! I can't imagine going through this with any other agent! I will recommend Rayma and Yes Mortgage to everone we know! This has been a fabulous experience for us!

Marcella A.

Verified Customer

October 18, 2026

5.0

Dante was very helpful and always willing to answer my questions

Evan V.

Verified Customer

September 9, 2026

See Full Details

Refinance‍ for free. For life.*

0

No lending fees

Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.

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Worry free

Buy now or refinance now and know you can lower your rate later with peace of mind.

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