About Us
What is Lower.com?
Lower.com is an online mortgage lender that has funded billions of dollars in home loans. We believe homeownership is the greatest wealth creator in America today. Our goal is to make homeownership more accessible to more people.
How do Lower.com customers rate their experience?
Lower.com delivers a best-in-class customer experience with ratings of 4.8 on Trustpilot, 4.9 on Google, and 4.9 on Zillow. Lower.com also has an A+ rating from the Better Business Bureau.
Where does Lower.com operate?
Lower.com delivers a best-in-class customer experience with ratings of 4.8 on Trustpilot, 4.9 on Google, and 4.9 on Zillow. Lower.com also has an A+ rating from the Better Business Bureau.
How does Lower.com keep my information safe and secure?
Protecting your personal information is our top priority! We encrypt everything and we’re constantly monitoring our site to make sure it’s secure. We won’t sell your data or use it for anything other than what’s stated in our Terms of Use, SMS Texting, Electronic Documents, Realtor Communication, Non-affiliate Information Sharing Policy, and eConsent Policy.
I want to buy a home. When is the best point in my home search to use Lower.com?
If you’re buying a home, here’s when we recommend using Lower.com:
- You’re just starting your home search.
- You have a home in mind and want to make an offer.
- You already have a signed purchase agreement.
- Learn more about home purchase loans and begin your application.
What types of refinancing goals can Lower.com help with?
If you’re considering refinancing, you can use Lower.com to:
- Get cash out of your home.
- Increase your monthly cash flow.
- Consolidate high-interest debt.
- Lower your monthly payment.
- Explore options for shortening your loan term.
- Learn more about refinancing and begin your application.
What can I achieve by accessing equity with a HELOC from Lower.com?
Lower.com can help you access equity with a HELOC to:
- Consolidate high-interest credit card debt.
- Fund home repairs or renovations.
- Pay for college.
- Pay off student loans.
- Learn more about HELOCs and begin your application.
How do I get in touch with a real person at Lower.com?
Applying for a loan
What types of purchase loans can I get with Lower.com?
Lower.com recommends loans you may be eligible for based on the information you provide. When you use Lower.com to buy a home, we may recommend:
- Conventional loans
- FHA loans (learn more about FHA loans)
- VA loans
- Jumbo loans
- Down payment assistance programs
What kind of homes can I use Lower.com to get a loan for?
Most people use Lower.com to buy or refinance:
- A single-family home
- A second home or investment property
- Condo, townhome, multi-unit property, manufactured home
- We don’t provide mortgages for mobile homes. We encourage you to see if you can get approved for a single-family home.
- Give us a call at (888) 509-8301 to connect with an expert loan advisor about the specific property you have in mind.
What is pre-approval? How can I use Lower.com to get a preapproval letter?
A mortgage pre-approval is a process that establishes how much you can afford to borrow to purchase a home. Lower.com will review your assets, credit score, and income so we can determine which loans you’re eligible for, how much we can lend you, and what your interest rate could be. You will receive a pre-approval letter once you’ve been pre-approved that you can share with your real estate agent and sellers. It’s never too early to get pre-approved. It’s often easier than most imagine. If you’re ready to start shopping for that perfect home, you’ll understand how much you can afford and will help with your search. If there are some items standing between you and pre-approval, our expert Loan advisors will coach you through the journey.
What’s Lower.com’s “Free Refi For Life” program?
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.
Will applying with Lower.com affect my credit?
How do I know if I will qualify for a loan?
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When is my first payment due?
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