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-webkit-box-orient: vertical; overflow: hidden; text-overflow: ellipsis; } } .learn-post__info h4 { text-wrap: auto; } </style> </head><body class="lower-body"><div class="ds24-nav"><div class="ds24-nav-content-desktop"><div class="ds24-nav-left"><a href="/" class="ds24-nav-logo-link w-inline-block"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6758a8acb8146ea1c6db1323_logo-lower.svg" loading="lazy" alt="" class="ds24-nav-logo"/></a></div><div id="header-menu" class="ds24-nav-mid-new"><div class="ds24-nav-link-container"><div class="ds24-nav-link"><div class="ds24-nav-link-content"><div id="home_equity_link_text" class="link-text dropdown new-nav">Tap into home equity</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="icon-xsmall"/></div><div class="ds24-link-dropdown-wrap new-nav center-align"><div class="ds24-link-dropdown new-nav"><img 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class="link-text new-nav">Home Equity Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/home-equity/cash-out-refinance" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f1930e43326a1fbfd85b_Cash-Out-Refinance.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Cash-Out-Refinance</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/home-equity" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f20db3a3615fe8609de4_Learn-About-Using-Home-Equity.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Learn About Using Home Equity</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div class="ds24-dropdown-cta smaller-content"><div class="ds24-dropdown-cta-content"><div class="h-xsmall bot-m--25em">Ready to tap into your home's equity?</div><p class="p-body-small bot-m--5em">Access funds for renovations, debt consolidation, or big goals with ease.</p></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/purchase" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" 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src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727efa4cfac7bdc9c40f1d5_Learn-About-Buying-A-Home.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Learn About Buying A Home</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div class="ds24-dropdown-cta"><div class="ds24-dropdown-cta-content"><div class="h-xsmall bot-m--25em">Ready to buy your dream home?</div><p class="p-body-small bot-m--5em">Our process is simple and hassle-free. Let’s make homeownership a reality.</p></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/purchase" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div><a href="/finance" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link"><div class="ds24-nav-link-content"><div class="link-text dropdown new-nav">Lower My Rate</div><img 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data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/lower-my-rate" aria-current="page" class="ds24-link-block new-nav w-inline-block w--current"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f0f3636cdda726faa4d2_Learn-About-Refinancing.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Learn About Refinancing</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div class="ds24-dropdown-cta"><div class="ds24-dropdown-cta-content"><div class="h-xsmall bot-m--25em">Looking to refinance?</div><p class="p-body-small bot-m--5em">Simplify the process and save with competitive rates tailored to your goals.</p></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/purchase" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img 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new-nav"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow all-loan-options center-align"/><div class="ds24-dropdown-link-list new-nav"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/conventional-home-loans" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f0c77344b7e751843f91_Rate-Term-Refinance.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Conventional Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/adjustable-rate-mortgage" class="ds24-link-block new-nav w-inline-block"><div class="link"><img 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loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Debt Consolidation Loan</div></div></a></div></div><div class="ds24-dropdown-link-list new-nav smaller-content"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/jumbo-loan" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f15c185886ce204131ed_HELOC.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Jumbo Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/va-loan" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f47dbd68ce867469dee7_VA-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">VA Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/fha-loan" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f32f0e43326a1fc1064e_FHA-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">FHA Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/home-equity/home-equity-loans" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f35e4a6b850916a39b1a_Home-Equity-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Home Equity Loan</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div class="ds24-dropdown-cta smaller-content"><div 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We’re here to help.</p><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="tel:18885098301" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f87c8b2e764bb2fe69961_icon-phone.svg" loading="lazy" alt="Phone Icon" class="small-icon link"/><div class="link-text">(888) 509-8301</div></div></a></div></div><div class="ds24-divider-h"></div><div><div class="h-xsmall bot-m--25em top-m--5em">Need support?</div><p class="p-body-small bot-m--5em">Have questions about your current product? Give us a call and we’ll sort it out.</p><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="tel:18339202273" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f87c8b2e764bb2fe69961_icon-phone.svg" loading="lazy" alt="Phone Icon" class="small-icon link"/><div class="link-text">(833) 920-2273</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="/care" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6570beb3ae3f9a5b42da9323_icon-help-chat.svg" loading="lazy" alt="Support Icon" class="small-icon link"/><div class="link-text">Support Team</div></div></a></div></div></div></div></div><a data-w-id="eb389ffc-6cd9-aa1d-9587-2797e5b8dfb9" href="https://app.lower.com/mortgage/lightspeed" class="button nav blue-10 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{ console.log(posthog.getFeatureFlag('january-2025---equity-navigation')); if (posthog.getFeatureFlag('january-2025---equity-navigation') == 'test') { document.getElementById('home_equity_link_text').textContent = "Tap into home equity"; } else{ document.getElementById('home_equity_link_text').textContent = "Use My Home's Equity"; } });*/ </script></div></div><section class="product-section"><div class="block-shadow"></div><div class="container product text-align-center"><div class="split-content pos-relative equity"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737a5848e772eb284990e73_Rate-Term-Refi-Sm.png" loading="lazy" width="176" alt="" class="landing-img-float equity_1"/><h1 class="h-small color-lightblue bot-m-1-5em product">Lower My Rate</h1><h1 class="title-h1">Refinance for better rates and terms.</h1><p class="p-body-medium bot-m-2em product max-600">Refinancing your home loan can mean big savings. Discover how to get a lower mortgage rate with refinancing options designed to reduce monthly payments or shorten your loan term.</p><div class="flex-v-left-center row-1em center"><a data-w-id="ad378c5f-a150-3ec6-0d96-05336c6720dd" href="https://app.lower.com/mortgage/lightspeed/heloc/property-type" class="button w-inline-block"><div class="button-content"><div>Apply now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a><div class="flex-h-center-left col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67361ba42c51210856c797bc_icon-lock-dark-grey.svg" loading="lazy" alt="" class="icon-medium"/><div class="h-xsmall weight-medium no-bot-m left color-gray">No-impact credit check. <br/>No commitment.</div></div></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673e27f73979fb0af492af00_Widget-Sm.png" loading="lazy" width="343" sizes="(max-width: 479px) 100vw, 343px" alt="" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673e27f73979fb0af492af00_Widget-Sm-p-500.png 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673e27f73979fb0af492af00_Widget-Sm.png 796w" class="landing-img-float equity_2"/></div></div></section><div class="section---mapbox-and-collection-list full-cta hide-mobile"><div class="review-bar__block"><div class="w-embed"><style> .review-bar__items { will-change: transform; animation: review-scroll 25s linear infinite; /* animation-direction: reverse; */ /* manipulate the speed of the marquee by changing "40s" line above*/ } @keyframes review-scroll { from { transform: translateX(0); } to { transform: translateX(-100%); } } .review-bar__item { flex: 0 0 auto; } .review-bar__block:hover .review-bar__items { -webkit-animation-play-state: paused; -moz-animation-play-state: paused; -o-animation-play-state: paused; animation-play-state: paused; } </style></div><div class="review-bar__list"><div class="review-bar__items"><div class="review-bar__item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67362ae9901c3a72a77197bb_trustpilot.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-trustpilot="" class="p-body-medium no-bot-m weight-bold display-block text-black">4.8</div></div><div class="p-body-small"><a href="https://www.trustpilot.com/review/lower.com" target="_blank" class="ds24-underline color-iron">2,516 reviews</a></div></div><div class="review-bar__item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67362ae9ba09dbb6ae0689a5_zillow.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-zillow="" class="p-body-medium no-bot-m weight-bold display-block text-black">4.9</div></div><div class="p-body-small color-smoke"><a href="https://www.zillow.com/lender-profile/lower/" target="_blank" class="ds24-underline color-iron">6,310 reviews</a></div></div><div class="review-bar__item"><div class="p-body-medium no-bot-m weight-bold display-block text-black"><span data-review-count="">30,000+</span> Five-Star Reviews</div></div><div class="review-bar__item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67362ae98cac6c902c6757bd_bankrate.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-bankrate="" class="p-body-medium no-bot-m weight-bold display-block text-black">4.9</div></div><div class="p-body-small color-smoke"><a href="https://www.bankrate.com/mortgages/reviews/lower/#how-bankrate-scored-lower" target="_blank" class="ds24-underline color-iron">3,171 reviews</a></div></div><div class="review-bar__item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67362ae93eb81b93f41dd1cf_google.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-google="" class="p-body-medium no-bot-m weight-bold display-block text-black">4.9</div></div><div class="p-body-small color-smoke"><a href="https://g.co/kgs/BYy8PE3" target="_blank" class="ds24-underline color-iron">4,319 reviews</a></div></div><div class="review-bar__item"><div class="p-body-medium no-bot-m weight-bold display-block text-black"><span data-review-count="">30,000+</span> Five-Star Reviews</div></div></div><div class="review-bar__items"><div class="review-bar__item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67362ae9901c3a72a77197bb_trustpilot.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-trustpilot="" class="p-body-medium no-bot-m weight-bold display-block text-black">4.8</div></div><div class="p-body-small"><a href="https://www.trustpilot.com/review/lower.com" target="_blank" class="ds24-underline color-iron">2,516 reviews</a></div></div><div class="review-bar__item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67362ae9ba09dbb6ae0689a5_zillow.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-zillow="" class="p-body-medium no-bot-m weight-bold display-block text-black">4.9</div></div><div class="p-body-small color-smoke"><a href="https://www.zillow.com/lender-profile/lower/" target="_blank" class="ds24-underline color-iron">6,310 reviews</a></div></div><div class="review-bar__item"><div class="p-body-medium no-bot-m weight-bold display-block text-black"><span data-review-count="">30,000+</span> Five-Star Reviews</div></div><div class="review-bar__item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67362ae98cac6c902c6757bd_bankrate.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-bankrate="" class="p-body-medium no-bot-m weight-bold display-block text-black">4.9</div></div><div class="p-body-small color-smoke"><a href="https://www.bankrate.com/mortgages/reviews/lower/#how-bankrate-scored-lower" target="_blank" class="ds24-underline color-iron">3,171 reviews</a></div></div><div class="review-bar__item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67362ae93eb81b93f41dd1cf_google.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-google="" class="p-body-medium no-bot-m weight-bold display-block text-black">4.9</div></div><div class="p-body-small color-smoke"><a href="https://g.co/kgs/BYy8PE3" target="_blank" class="ds24-underline color-iron">4,319 reviews</a></div></div><div class="review-bar__item"><div class="p-body-medium no-bot-m weight-bold display-block text-black"><span data-review-count="">30,000+</span> Five-Star Reviews</div></div></div></div></div></div><section class="section---mapbox-and-collection-list v25-no-top-p"><div class="container"><div class="split tablet-center"><div class="split-content split-small tablet-center"><h2 class="h-small color-lightblue bot-m-1-5em"><strong>Refinancing</strong></h2><div><h2 class="h-large">Lower your mortgage rate, boost your savings.</h2><div class="p-body-small">Start exploring ways to maximize your savings, and learn more about our refinancing options that make refinancing your mortgage simple and stress-free.</div></div></div><div class="split-content split-large row-1em"><a href="/refinance/rate-refinance" class="simple-card w-inline-block"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737a64a8e772eb28499d159_Cash-Out.jpg" loading="lazy" sizes="(max-width: 479px) 74vw, 140px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737a64a8e772eb28499d159_Cash-Out-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737a64a8e772eb28499d159_Cash-Out-p-800.jpg 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737a64a8e772eb28499d159_Cash-Out.jpg 1024w" alt="" class="thumbnail-small"/><div class="simple-card-content"><h2 class="h-medium">Rate/Term Refinance</h2><p class="p-body-small max-w-20em">Refinance your mortgage to secure a lower rate or adjust your term.</p></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/641caad56ced66378732c722_v2-icon-text-link-arrow.svg" loading="lazy" alt="" class="v25-at-arrow"/></a></div></div></div></section><div class="section---mapbox-and-collection-list full-cta"><div class="ds24-card equity"><div class="container xsmall text-align-center"><h2 id="thats-more" class="h-large">Work with a Lower Advisor to get personalized equity options.</h2></div><div class="numbered-wrap equity"><div class="numbered-blocks"><div class="numbered-block"><div class="ds24-medium-icon-fig smaller lightblue equity"><div class="h-medium no-bot-m color-lightblue">1</div></div><div class="flex-v-left-center"><h2 class="h-medium">Get Started</h2><p class="p-body-small">Take 5 minutes to complete our online application, and we’ll connect you with the best refinancing options based on your goals.</p></div></div><div class="numbered-block"><div class="ds24-medium-icon-fig smaller lightblue equity"><div class="h-medium no-bot-m color-lightblue">2</div></div><div class="flex-v-left-center"><h2 class="h-medium">Customize Your Options</h2><p class="p-body-small">We’ll schedule a quick call with one of our expert loan advisors to help you determine the refinancing solution that’s right for you.</p></div></div><div class="numbered-block"><div class="ds24-medium-icon-fig smaller lightblue equity"><div class="h-medium no-bot-m color-lightblue">3</div></div><div class="flex-v-left-center"><h2 class="h-medium"><strong>Refinance Your Mortgage</strong></h2><p class="p-body-small">Your dedicated loan officer will guide you every step of the way, helping you refinance your mortgage quickly and confidently from home.</p></div></div></div><div class="flex-v-fill-top row--75em"><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed/heloc/property-type" class="button w-inline-block"><div class="button-content"><div>Let's go</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67361ba42c51210856c797bc_icon-lock-dark-grey.svg" loading="lazy" alt="" class="icon-medium"/><div class="h-xsmall weight-medium no-bot-m color-gray">No-impact credit check</div></div></div></div></div></div><div class="section---mapbox-and-collection-list"><div class="container xsmall text-align-center"><h1 class="h-xlarge"><span data-review-count="1">XX,XXX+</span> five star reviews and counting.</h1><div class="review-links-wrap"><p class="p-body-small m-center bold">Check ‘em out on:</p><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://www.trustpilot.com/review/lower.com" target="_blank" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Trustpilot</div></div></a><p class="p-body-small m-center bold">|</p><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://g.co/kgs/BYy8PE3" target="_blank" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Google</div></div></a><p class="p-body-small m-center bold">|</p><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://www.zillow.com/lender-profile/lower/" target="_blank" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Zillow</div></div></a><p class="p-body-small m-center bold">|</p><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://www.bankrate.com/mortgages/reviews/lower/#special-programs-from-lower" target="_blank" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Bankrate</div></div></a></div></div><div class="container v25-rf-cont"><div class="v25-rf-side"><div class="v25-rf-collection w-dyn-list"><div role="list" class="v25-rf-list w-dyn-items"><div role="listitem" class="v25-rf-item w-dyn-item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6130d2b8c65c0a7f74d826ae_Stars.svg" loading="lazy" alt="" class="v25-rf-stars"/><p class="p-body-small">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!!</p><div class="v25-rf-attb"><div class="v25-verify-check v25-rf"></div><div class="v25-review-name">Tina</div><div class="v25-verify">LendingTree</div></div></div><div role="listitem" class="v25-rf-item w-dyn-item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6130d2b8c65c0a7f74d826ae_Stars.svg" loading="lazy" alt="" class="v25-rf-stars"/><p class="p-body-small">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.</p><div class="v25-rf-attb"><div class="v25-verify-check v25-rf"></div><div class="v25-review-name">Cristhtian P.</div><div class="v25-verify">Google Review</div></div></div><div role="listitem" class="v25-rf-item w-dyn-item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6130d2b8c65c0a7f74d826ae_Stars.svg" loading="lazy" alt="" class="v25-rf-stars"/><p class="p-body-small">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!</p><div class="v25-rf-attb"><div class="v25-verify-check v25-rf"></div><div class="v25-review-name">J.</div><div class="v25-verify">Google Review</div></div></div></div></div><div style="-webkit-transform:translate3d(0, -2em, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-moz-transform:translate3d(0, -2em, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-ms-transform:translate3d(0, -2em, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);transform:translate3d(0, -2em, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0)" class="v25-rf-collection v25-more w-dyn-list"><div role="list" class="v25-rf-list w-dyn-items"><div role="listitem" class="v25-rf-item w-dyn-item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6130d2b8c65c0a7f74d826ae_Stars.svg" loading="lazy" alt="" class="v25-rf-stars"/><p class="p-body-small">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."</p><div class="v25-rf-attb"><div class="v25-verify-check v25-rf"></div><div class="v25-review-name">Marchelle B.</div><div class="v25-verify">Google Review</div></div></div><div role="listitem" class="v25-rf-item w-dyn-item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6130d2b8c65c0a7f74d826ae_Stars.svg" loading="lazy" alt="" class="v25-rf-stars"/><p class="p-body-small">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.</p><div class="v25-rf-attb"><div class="v25-verify-check v25-rf"></div><div class="v25-review-name">Jo</div><div class="v25-verify">Zillow</div></div></div><div role="listitem" class="v25-rf-item w-dyn-item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6130d2b8c65c0a7f74d826ae_Stars.svg" loading="lazy" alt="" class="v25-rf-stars"/><p class="p-body-small">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.</p><div class="v25-rf-attb"><div class="v25-verify-check v25-rf"></div><div class="v25-review-name">Stephanie W.</div><div class="v25-verify">Zillow</div></div></div></div></div><div class="v25-rf-fadewrap"><div class="v25-rf-fade"></div></div><div data-w-id="8c3808ca-443e-a057-5730-17607d2ac533" class="link-blue second">See more reviews<span class="v25-arrow-down"> </span></div></div><div class="v25-rf-side right"><div data-video-to-play="870333476" data-w-id="053e68b5-1a05-8ecc-525e-3855fe7fbd72" class="v25-vv-card v25-video-ask v25-video-open"><div class="v25-play-b"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649b25af70996992b3517963_v25-play-icon.svg" loading="lazy" alt="" class="v25-play"/></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c6d9b0bca09c6575201b1_video-ask-bkg-opt.jpg" loading="lazy" alt="A video review from Paul M. who was very happy with his refinance experience" class="bkg-image"/></div><div class="v25-rg-attb-txt"><div class="v25-review-name"><span class="v25-verify-check"> </span>Paul M.</div><div class="v25-verify">Lower.com Refinance</div></div></div></div></div><div class="section---mapbox-and-collection-list"><div class="container"><div class="flex-v-full-top row-1rem"><div class="simple-card large"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673e289c7f92e499a6b80cf1_House-2.jpg" loading="lazy" sizes="(max-width: 479px) 75vw, (max-width: 767px) 81vw, (max-width: 991px) 71vw, (max-width: 1279px) 42vw, (max-width: 1919px) 500.5px, 27vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673e289c7f92e499a6b80cf1_House-2-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673e289c7f92e499a6b80cf1_House-2-p-800.jpg 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673e289c7f92e499a6b80cf1_House-2-p-1080.jpg 1080w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673e289c7f92e499a6b80cf1_House-2-p-1600.jpg 1600w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673e289c7f92e499a6b80cf1_House-2-p-2000.jpg 2000w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673e289c7f92e499a6b80cf1_House-2.jpg 2309w" alt="" class="thumbnail-large"/><div class="simple-card-content large"><h2 class="h-medium">Refinance your rate or term and save.</h2><p class="p-body-small max-w-20em bot-m-1em">With Lower, you can customize your refinance to fit your financial goals—choosing a shorter term to build equity faster, or extending the term to create more room in your budget each month.</p><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/heloc/property-type" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Start your rate/term refinance</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div><div class="simple-card large"><div class="simple-card-content large"><h2 class="h-medium">Refinance your mortgage and access extra cash.</h2><p class="p-body-small max-w-20em bot-m-1em">Unlock the potential of your home’s equity with a cash-out refinance. Lower your monthly payments while securing funds for major expenses.</p><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/heloc/property-type" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Get a cash-out refinance</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673e28d6a0b6286a486a5b87_Cash-Out-Hero.jpg" loading="lazy" sizes="(max-width: 479px) 75vw, (max-width: 767px) 81vw, (max-width: 991px) 71vw, (max-width: 1279px) 42vw, (max-width: 1919px) 500.5px, 27vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673e28d6a0b6286a486a5b87_Cash-Out-Hero-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673e28d6a0b6286a486a5b87_Cash-Out-Hero-p-800.jpg 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673e28d6a0b6286a486a5b87_Cash-Out-Hero-p-1080.jpg 1080w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673e28d6a0b6286a486a5b87_Cash-Out-Hero-p-1600.jpg 1600w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673e28d6a0b6286a486a5b87_Cash-Out-Hero.jpg 1960w" alt="" class="thumbnail-large"/></div></div></div></div><section class="section---mapbox-and-collection-list"><div class="ds24-full-cta magic-large small equity"><div class="cta-container"><h2 class="text-align-center no-margin">And refinance <br/>‍<span class="v25-magic-g">for free.</span> For life.<sup>*</sup></h2><p class="p-body-medium no-margin">Buy or refinance once with Lower, and we’ll cover your lending fees on future refinances—saving you at least $1,500 each time. For free. For life.*</p><a data-w-id="ad378c5f-a150-3ec6-0d96-05336c6720dd" href="/free-refi-for-life" class="button w-inline-block"><div class="button-content"><div>I want in</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></section><div class="section---mapbox-and-collection-list"><div class="container"><div class="container xsmall text-align-center"><h2 class="h-small color-lightblue bot-m-1-5em">Continue Learning</h2><div class="continue-info"><h2 id="thats-more" class="h-large">Refinance smarter with expert tips.</h2><p class="p-body-small m-center">Explore our Learning Center for in-depth resources on refinancing. From lowering your rate to adjusting your loan term, discover strategies to make refinancing work for you.</p><div class="spacer-1rem"></div><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/learn/home-equity-resources" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">See all resources</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div><div class="spacer-medium"></div><div class="w-embed"><style> .learn-collection-item .w-inline-block:hover .hover-expand-image{ transform: scale(1.15) } .learn-collection-item .w-inline-block:hover ~ .link-blue .link-spacer { width: 0.8em; } .learn-collection-item .link-blue:hover .link-spacer { width: 0.8em; } </style></div><div class="learn-collection-list-wrapper w-dyn-list"><div role="list" class="playlist-grid w-dyn-items"><div data-w-id="a2755ea7-d3b5-ebe7-6dc0-2a305f82b3bf" role="listitem" class="learn-collection-item w-dyn-item"><a href="/blog/holiday-stress-consolidate-your-debt-with-a-cash-out-refinance" class="w-inline-block"><div class="learn-content-container"><div class="new-tag">New</div><div class="learn-image-feature-container"><img alt="" src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67532d442813f14ef76bc605_iStock-1769532463.jpg" sizes="(max-width: 767px) 90vw, (max-width: 991px) 80vw, (max-width: 1279px) 25vw, (max-width: 1919px) 302.6750183105469px, 16vw" srcset="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67532d442813f14ef76bc605_iStock-1769532463-p-500.jpg 500w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67532d442813f14ef76bc605_iStock-1769532463-p-800.jpg 800w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67532d442813f14ef76bc605_iStock-1769532463-p-1080.jpg 1080w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67532d442813f14ef76bc605_iStock-1769532463-p-1600.jpg 1600w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67532d442813f14ef76bc605_iStock-1769532463-p-2000.jpg 2000w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67532d442813f14ef76bc605_iStock-1769532463.jpg 2120w" class="hover-expand-image"/><div data-w-id="94655682-1b6f-0b64-e3c2-6891e70c4ad4" class="article-play w-condition-invisible"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649b25af70996992b3517963_v25-play-icon.svg" loading="lazy" alt="" class="v25-play"/></div></div><h4 class="heading">Holiday Stress? Consolidate your Debt with a Cash-Out Refinance</h4></div></a><a data-w-id="a2755ea7-d3b5-ebe7-6dc0-2a305f82b3c7" href="/blog/holiday-stress-consolidate-your-debt-with-a-cash-out-refinance" class="link-blue no-mobile w-inline-block"><div class="w-inline-block">Read More</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow-3"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></a><a href="/blog/holiday-stress-consolidate-your-debt-with-a-cash-out-refinance" class="link-blue no-mobile w-inline-block w-condition-invisible"><div class="w-inline-block">Watch More</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow-3"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></a><a data-w-id="a2755ea7-d3b5-ebe7-6dc0-2a305f82b3d3" href="/blog/holiday-stress-consolidate-your-debt-with-a-cash-out-refinance" class="link-blue no-mobile w-inline-block w-condition-invisible"><div class="w-inline-block">Hear More</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow-3"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></a></div><div data-w-id="a2755ea7-d3b5-ebe7-6dc0-2a305f82b3bf" role="listitem" class="learn-collection-item w-dyn-item"><a href="/blog/cash-out-refinance-what-is-it-and-how-does-it-work" class="w-inline-block"><div class="learn-content-container"><div class="new-tag">New</div><div class="learn-image-feature-container"><img alt="" src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67532d5f2813f14ef76bde93_iStock-1794993264.jpg" sizes="(max-width: 767px) 90vw, (max-width: 991px) 80vw, (max-width: 1279px) 25vw, (max-width: 1919px) 302.6750183105469px, 16vw" srcset="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67532d5f2813f14ef76bde93_iStock-1794993264-p-500.jpg 500w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67532d5f2813f14ef76bde93_iStock-1794993264-p-800.jpg 800w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67532d5f2813f14ef76bde93_iStock-1794993264-p-1080.jpg 1080w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67532d5f2813f14ef76bde93_iStock-1794993264-p-1600.jpg 1600w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67532d5f2813f14ef76bde93_iStock-1794993264-p-2000.jpg 2000w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67532d5f2813f14ef76bde93_iStock-1794993264.jpg 2120w" class="hover-expand-image"/><div data-w-id="94655682-1b6f-0b64-e3c2-6891e70c4ad4" class="article-play w-condition-invisible"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649b25af70996992b3517963_v25-play-icon.svg" loading="lazy" alt="" class="v25-play"/></div></div><h4 class="heading">Cash-Out Refinance: What is it and How Does it Work?</h4></div></a><a data-w-id="a2755ea7-d3b5-ebe7-6dc0-2a305f82b3c7" href="/blog/cash-out-refinance-what-is-it-and-how-does-it-work" class="link-blue no-mobile w-inline-block"><div class="w-inline-block">Read More</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow-3"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></a><a href="/blog/cash-out-refinance-what-is-it-and-how-does-it-work" class="link-blue no-mobile w-inline-block w-condition-invisible"><div class="w-inline-block">Watch More</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow-3"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></a><a data-w-id="a2755ea7-d3b5-ebe7-6dc0-2a305f82b3d3" href="/blog/cash-out-refinance-what-is-it-and-how-does-it-work" class="link-blue no-mobile w-inline-block w-condition-invisible"><div class="w-inline-block">Hear More</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow-3"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></a></div><div data-w-id="a2755ea7-d3b5-ebe7-6dc0-2a305f82b3bf" role="listitem" class="learn-collection-item w-dyn-item"><a href="/blog/consolidate-high-interest-credit-card-debt" class="w-inline-block"><div class="learn-content-container"><div class="new-tag">New</div><div class="learn-image-feature-container"><img alt="" src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67659bb51b835fb84c5e2944_Screenshot%202024-12-20%20at%2010.23.17%E2%80%AFAM.jpg" sizes="(max-width: 767px) 90vw, (max-width: 991px) 80vw, (max-width: 1279px) 25vw, (max-width: 1919px) 302.6750183105469px, 16vw" srcset="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67659bb51b835fb84c5e2944_Screenshot%202024-12-20%20at%2010.23.17%E2%80%AFAM-p-500.jpg 500w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67659bb51b835fb84c5e2944_Screenshot%202024-12-20%20at%2010.23.17%E2%80%AFAM-p-800.jpg 800w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67659bb51b835fb84c5e2944_Screenshot%202024-12-20%20at%2010.23.17%E2%80%AFAM-p-1080.jpg 1080w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67659bb51b835fb84c5e2944_Screenshot%202024-12-20%20at%2010.23.17%E2%80%AFAM-p-1600.jpg 1600w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67659bb51b835fb84c5e2944_Screenshot%202024-12-20%20at%2010.23.17%E2%80%AFAM-p-2000.jpg 2000w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67659bb51b835fb84c5e2944_Screenshot%202024-12-20%20at%2010.23.17%E2%80%AFAM-p-2600.jpg 2600w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67659bb51b835fb84c5e2944_Screenshot%202024-12-20%20at%2010.23.17%E2%80%AFAM-p-3200.jpg 3200w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/67659bb51b835fb84c5e2944_Screenshot%202024-12-20%20at%2010.23.17%E2%80%AFAM.jpg 3346w" class="hover-expand-image"/><div data-w-id="94655682-1b6f-0b64-e3c2-6891e70c4ad4" class="article-play"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649b25af70996992b3517963_v25-play-icon.svg" loading="lazy" alt="" class="v25-play"/></div></div><h4 class="heading">What Credit Card Companies Don’t Tell You: How to Consolidate High-Interest Credit Card Debt with Your Home Equity </h4></div></a><a data-w-id="a2755ea7-d3b5-ebe7-6dc0-2a305f82b3c7" href="/blog/consolidate-high-interest-credit-card-debt" class="link-blue no-mobile w-inline-block w-condition-invisible"><div class="w-inline-block">Read More</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow-3"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></a><a href="/blog/consolidate-high-interest-credit-card-debt" class="link-blue no-mobile w-inline-block"><div class="w-inline-block">Watch More</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow-3"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></a><a data-w-id="a2755ea7-d3b5-ebe7-6dc0-2a305f82b3d3" 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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.</p><p>© 2025 Lower, LLC | NMLS#1124061 | <a target="_blank" href="http://www.nmlsconsumeraccess.com/">www.nmlsconsumeraccess.com</a> | 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.</p></div><div class="v2-legal w-richtext"><p><em>*This offer is not guaranteed if you do not continue to meet Lower’s criteria and other factors bearing on your credit worthiness (including acceptable property collateral, income and employment history). Not all applicants will qualify for the rate and monthly payment shown. Monthly payments do not include property taxes, property insurance, and homeowners association dues. Your exact loan's interest rate and payments will depend upon the term of your loan, your credit history, and other qualifying factors. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Lower’s underwriting and Investor requirements. Loans valid for the refinance or purchase of an owner-occupied residence. Loan amounts must be at or under conforming loan limits within your state and county. Rate subject to change depending time of rate lock. Call 844-645-6937 for exact details and qualifying information.</em></p><p>Free Refi for Life: 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, 7775 Walton Parkway, 4th floor, New Albany, OH 43054, NMLS #1168557. Offer not available for Washington State consumers.<br/></p><p>Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.</p></div><div class="v25-legal-final"><div class="flex-h-center-left col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5ef508d34c1d0626daa06fa4_icon_equalHousingLender.svg" loading="lazy" alt="Equal Housing Lender Icon" class="icon-small ehl-edit"/><div class="ds24-legal v25-ehl-text"> EQUAL HOUSING OPPORTUNITY</div></div><div class="ds24-legal ash medium">NMLS ID #1124061</div><div class="ds24-legal ash medium last">Copyright © <span data-current-year="1">2024</span> Lower, LLC. 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