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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Refinancing to a lower rate or shorter term can save you thousands over time. Take control of your mortgage with options that fit 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 a simple, hassle-free application, competitive rates, and personalized support every step of the way. Join thousands who trust Lower—a verified top lender—for their refinancing needs.
Refinance once with Lower, and we cover your future lending fees, helping you save every time you refinance—at no extra cost.
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.)
The best refinance rates depend on factors like your credit score, loan-to-value ratio, and current market conditions. Rates also vary between 15-year and 30-year terms, with shorter terms generally offering lower rates. Contact us to get today’s most competitive rates tailored to your profile and refinancing goals.
Typically, 15-year refinance rates are lower than 30-year rates, allowing you to pay less interest over the life of the loan. However, 15-year terms come with higher monthly payments, which might impact your budget. A 30-year refinance offers lower monthly payments, though the total interest paid over time will be higher. Your choice depends on whether you’re looking for monthly savings or want to build equity faster.
A rate/term refinance is designed to help you lower your interest rate, shorten your loan term, or both, without taking out extra cash. This type of refinance is ideal for reducing monthly payments or saving on interest over the life of your loan.
A cash-out refinance, on the other hand, allows you to access a portion of your home’s equity by taking out a larger loan than your current mortgage balance. You receive the difference in cash, which you can use for renovations, debt consolidation, or other expenses. While a cash-out refinance can be beneficial if you need funds, it often comes with a slightly higher interest rate compared to a rate/term refinance.
Explore our Learning Center for expert insights on refinancing. From lowering your rate to tapping into equity, we’ve got the info you need to make the best choice.
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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