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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Turn your home equity into a powerful tool for managing debt. Lower offers flexible options—HELOCs, Cash-Out Refinances, and Home Equity Loans—to help you pay off high-interest debt and save more each month.
Consolidating your debt with Lower is a smart way to take control of your finances and save on interest payments. Here’s why homeowners choose us to consolidate their debt.
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 lets you access funds as needed to pay off high-interest debt. With a revolving credit line, you can manage ongoing payments while benefiting from lower interest rates.
Replace your existing mortgage with a new one and use the extra cash to pay off your debts. This option simplifies your finances with one loan and can help you save on interest.
A home equity loan provides a lump sum at a fixed rate, making it ideal for consolidating debts with predictable, consistent monthly payments—without changing you current mortgage terms.
You can use home equity through a HELOC, Cash-Out Refinance, or Home Equity Loan to pay off high-interest debts like credit cards or personal loans. These options allow you to combine debts into one lower-interest payment.
Consolidating debt with home equity can lower your interest rates, simplify payments into one monthly bill, and free up cash flow by reducing your overall payment amount.
Yes, you can consolidate various types of debt, including credit cards, medical bills, and personal loans, as long as you have enough home equity to cover the amount you wish to consolidate.
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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