Trustpilot 4.8/5 based on 2,500+ reviews
Whether you're looking to renovate, consolidate debt, or cover unexpected expenses, a home equity loan can help you get there. Leverage your home’s value with Lower.
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 home equity loan lets you borrow against your home's value, using it as collateral. It converts your equity into a lump sum of cash, which you repay over a fixed term.
Lower offers competitive rates, flexible terms, and a simple, stress-free process to help you unlock your home’s value and make your home equity work harder for you.
Home equity loan rates change based on market conditions, but at Lower, we offer competitive rates to meet your needs. The best way to find your rate is to start the application process and get a personalized home equity loan quote.
A home equity loan provides a lump sum with fixed rates and set monthly payments over a fixed term. A HELOC (Home Equity Line of Credit) offers a revolving credit line, letting you borrow as needed with variable rates and flexible payments.
Need help deciding between the two? Read our decision making guide.
A home equity loan is a second mortgage, allowing you to borrow against your home's equity while keeping your original mortgage. A cash-out refinance replaces your existing mortgage with a new one for a larger amount, giving you the difference in cash.
Yes, a home equity loan is a type of second mortgage. It allows you to borrow against your home’s equity while keeping your original mortgage in place. You receive a lump sum and repay it with fixed monthly payments.
Learn all about home equity loans, HELOCs, and cash-out refinancing in our Learning Center to find the best option for your financial goals.
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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