Save for a home.
We’ll match it.

0.75% APY FDIC-Insured Savings

|

$1,000 HomeCash™ Match

TechGuy1145

“The future of mortgages”

Everything you need to save for a home. $1,000 HomeCash. 0.75% APY FDIC-Insured HomeFund. Set goals. Stay on track. Build credit. All in the app.

Get an extra $200 HomeCash™ when you sign up today.

We shop the best rates, then beat them*.

You save.

$100

We match it.

For every dollar you deposit into your savings, we’ll give you a dollar in HomeCash™.

How it works.

Save $1. Get $1. We’ll match your home savings with up to $1,000 HomeCash™. Then, all of the HomeCash™ you’ve earned goes toward your total amount due at closing.

1

Make deposit.

Moving money to your account is as easy as swipe, tap, done.

2

Get matched.

We’ll instantly credit your HomeCash™ balance.

3

Meet goal.

Set a goal and we’ll help keep you on track to meet it.

4

Buy home.

Just one tap in the app to get your home loan started.

Everything you need to save for a home—all in the app.

But don’t take our word for it.
Brilliantlyclear
5 Stars!
App Store

Excellent way to save money on closing costs.

Lower.com has developed an easy to use app to help homebuyers ave money while slashing closing costs, not to mention their APY is the highest I’ve seen in months. The app matches dollar for dollar, up to $1000, to deduct from closing costs. You can also set up recurring deposits to earn additional money towards closing! I would highly recommend this app and Lower.com for you mortgage needs.

Cris105cma
5 Stars!
App Store

Incredible home savings features

Lower.com is a wonderful mortgage company that offers great interest rates. Their app is so user friendly and has a ton of incredible home savings features!!! This makes the entire process easy and stress free!

Robby Macs
5 Stars!
App Store

Awesome idea for an app

I love keeping my finances organized, and this app is amazing for that. The fact that I have a designated space for my down payment savings helps me stay focused on the goal, and the app continually helps keep me in check on my credit score as well. The best part is this is actually saving me money on my down payment with a great mortgage company! They will be knocking off $1,000 from my down payment, just for using this app!

Cris105cma
5 Stars!
App Store

Incredible home savings features

Lower.com is a wonderful mortgage company that offers great interest rates. Their app is so user friendly and has a ton of incredible home savings features!!! This makes the entire process easy and stress free!

TNEB4
5 Stars!
App Store

Super easy to use

Excellent way of setting and helping you meet home buying goals. Very easy to use.

Robby Macs
5 Stars!
App Store

Awesome idea for an app

I love keeping my finances organized, and this app is amazing for that. The fact that I have a designated space for my down payment savings helps me stay focused on the goal, and the app continually helps keep me in check on my credit score as well. The best part is this is actually saving me money on my down payment with a great mortgage company! They will be knocking off $1,000 from my down payment, just for using this app!

TechGuy1145
5 Stars!
App Store

The future of mortgages

This app helps you save for your first home purchase or apply for a refinance all digitally. On top of that, Lower is a fantastic customer focused company who streamlines the entire process. Highly recommend.

Cris105cma
5 Stars!
App Store

Incredible home savings features

Lower.com is a wonderful mortgage company that offers great interest rates. Their app is so user friendly and has a ton of incredible home savings features!!! This makes the entire process easy and stress free!

TNEB4
5 Stars!
App Store

Super easy to use

Excellent way of setting and helping you meet home buying goals. Very easy to use.

Robby Macs
5 Stars!
App Store

Awesome idea for an app

I love keeping my finances organized, and this app is amazing for that. The fact that I have a designated space for my down payment savings helps me stay focused on the goal, and the app continually helps keep me in check on my credit score as well. The best part is this is actually saving me money on my down payment with a great mortgage company! They will be knocking off $1,000 from my down payment, just for using this app!

TechGuy1145
5 Stars!
App Store

The future of mortgages

This app helps you save for your first home purchase or apply for a refinance all digitally. On top of that, Lower is a fantastic customer focused company who streamlines the entire process. Highly recommend.

Brilliantlyclear
5 Stars!
App Store

Excellent way to save money on closing costs.

Lower.com has developed an easy to use app to help homebuyers ave money while slashing closing costs, not to mention their APY is the highest I’ve seen in months. The app matches dollar for dollar, up to $1000, to deduct from closing costs. You can also set up recurring deposits to earn additional money towards closing! I would highly recommend this app and Lower.com for you mortgage needs.

Dina
5 Stars!
LendingTree

Highly Recommend

Abby Farber, our loan advisor, was amazing! First time homebuyers and everything went smoothly. She was always available to answer any questions we had. Our first home purchase was a great experience because Abby cares and she helped us through the process

Vi
5 Stars!
LendingTree

Amazing Experience

I initially was only searching for a price range my fiancé and I could afford. Then immediately after filling out the information Emily from Lower contacted me and from the start she was so amazing and professional! Answered all my questions even if I repeated some! Definitely took care of everything we needed. And worked around my work schedule to contact us and let us know new details about things. Very considerate about timing and very helpful with everything! She’s amazing! Definitely would recommend her and Lower to everyone I know!

Jill
5 Stars!
LendingTree

Easy and Saved Money

We worked with Ben Rosenthal to complete our mortgage contract quickly and with great satisfaction. We were most concerned about getting the best interest rate possible and with Low**.com we did, choosing them out of about five lenders we shopped. Ben also worked to direct us towards other ways to save money on closing. We appreciate needing less burdensome documentation and being able to upload all that electronically at our convenience. Ultimately the process was streamlined and simple.

FDIC-Insured Savings

Save with HomeFund™

It's the place to save, specifically for your home. While you're earning HomeCash on each deposit, your HomeFund is building long-term interest. It all adds up to saving for—and buying—a home faster.

Lower app tracking your savings goals
Goal Tracking

Set goal.
Build savings. Celebrate.

Tell us how much you want to save, and we’ll do the rest. Set goal. Get reminders. See your savings grow. We’re here to show you the way to buying your home.

Home Financing

Shop the latest. Get rates.

You're saving like a champ and earning HomeCash. While your HomeFund grows, check here to keep an eye on rates. Once you've met your saving goal, your loan advisor is just one click away.

Lower®

Above market avg.
Below market avg.

2.875%

X.X% APR
Talking through an expert through the Lower app
2.875%
Credit Monitoring

Be dream-home ready.

The better your credit score, the better your interest rate. Track your score while you save and get in the right position to buy that dream home. When you’re ready to buy, we’re ready to make it happen.

Save. Match. Done.

Download and start saving