Access funds for renovations, debt consolidation, or big goals with ease.
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.
We connect you with the right loan to bring homeownership within reach.
No matter where mortgage rates are now, you win. Buy your house now, then refinance to a lower rate later with Free Refi for Life.*
Lower your rate now and later. With Free Refi for Life* you don’t have to sweat rate changes, because your lending fees are covered.
Buy now or refinance now with Lower.com and know you can lower your rate later - for free! This offer waives Lower.com’s origination, underwriting, processing, or administrative fees. You must have closed a previous first-lien refinance transaction on or after December 1, 2018 with Lower. All applications are subject to underwriting and credit approval.
Each time you refinance, typical lender fees can add up to thousands of dollars. With Free Refi for Life*, these fees are covered, letting you refinance at no extra cost and potentially save more with a lower rate.
No, there’s no limit! Free Refi for Life* means you can refinance as many times as you need, taking advantage of rate changes or new financial goals without paying lender fees again.
Offer not valid for subordinate simultaneous or HELOC closings and only applicable for first lien mortgage loans originated by Lower. Not applicable to Brokered loans or Reverse mortgages. Offer exclusively waives Lower retained fees, to include origination, underwriting, processing, and administrative fees. Offer not applicable for discount points, or any third-party settlement service fees, such as Title, Settlement, Appraisal, Credit Report, Commissions, or other similar settlement provider fees. Customer must have closed previous first-lien refinance transaction on or after December 1, 2018, with Lower and at least six (6) months prior to any subsequent applications. By refinancing your existing loan, your total finance charge may be higher over the life of the loan. All applications are subject to underwriting and credit approval. Other conditions or restrictions may apply. Call for complete details. Offer only valid at the Direct-to-Consumer Division, 5950 Symphony Woods Road, Suite 301, Columbia, MD 21044, NMLS #1168557. Offer not available for Washington State consumers.
Advertised offers are not guaranteed if you do not continue to meet Lower’s criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners’ association dues. Since costs can vary based on a loan program, closing costs are not shown in examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Lower’s underwriting and Investor requirements. Interest rate examples are as of 03/17/2025. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
© 2025 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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