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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" class="ds24-link-block new-nav w-inline-block"><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 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="/lower-my-rate" 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">All Loan Options</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 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 src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f30ea740db51da7a37b1_Adjustable-Rate-Mortgage.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Adjustable-Rate Mortgage</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/home-improvement-loans" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f4a1314ab914c1880c0a_USDA-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Home Improvement Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/debt-consolidation-loans" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f4b89ee5cba2b8e35338_DSCR-Loan.svg" 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" 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/5ef3b440084a4e99e1ef10f9/6727f32f0e43326a1fc1064e_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 class="ds24-dropdown-cta-content"><div class="h-xsmall bot-m--25em">Ready to apply for your loan?</div><p class="p-body-small bot-m--5em">We connect you with the right loan to bring homeownership within reach.</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="/all-loans" 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 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href="/learn/industry-news" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f5b7636cdda726fe332a_Industry-News.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Industry News</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 see your loan options?</div><p class="p-body-small bot-m--5em">We offer expert guidance every step of the way.</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 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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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class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/finance" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Learn About Buying A Home</div></div></a></div></div><div class="ds24-divider-h"></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></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"><a href="/lower-my-rate" class="w-inline-block"><div class="link-text dropdown">Lower My Rate</div></a><img 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class="container"><div class="split"><div class="split-content split-large"><h1 class="h-small color-lightblue bot-m-1-5em product"><strong>FHA Loans</strong></h1><h2 class="h-xlarge product">Affordable home financing with lower down payments.</h2><p class="p-body-medium bot-m-2em product">FHA loans offer low down payments, flexible requirements, and competitive rates to help you find your dream home.</p><div class="flex-v-left-center row-1em mobile-center"><a data-w-id="ad378c5f-a150-3ec6-0d96-05336c6720dd" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Apply today</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 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loading="lazy" width="176" alt="" class="landing-img-float"/><div class="landing-detail-wrap"><div class="landing-detail-float"><div class="button-emoji">🌟</div><div>No-Impact Credit Check</div></div></div></div></div></div></div></div><div class="section---mapbox-and-collection-list"><div class="container text-align-center"><div class="container xsmall text-align-center"><h2 class="h-small color-lightblue bot-m-1-5em">FHA Loan Benefits</h2><h2 id="thats-more" class="h-large">Make homeownership achievable with an FHA loan.</h2><p class="p-body-small m-center">FHA loans are ideal for first-time buyers, those with lower credit scores, and anyone looking to purchase a home with a low down payment. They offer a straightforward path to homeownership with flexible requirements and lower financial barriers.</p></div><div class="feature-grid"><div class="feature-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" alt="Checkmark" class="icon-xsmall"/><div>Buy with as little as 3.5% down</div></div><div class="feature-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" alt="Checkmark" class="icon-xsmall"/><div>Credit scores as low as 580 qualify</div></div><div class="feature-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" alt="Checkmark" class="icon-xsmall"/><div>Enjoy competitive rates</div></div><div class="feature-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" alt="Checkmark" class="icon-xsmall"/><div>Easier approval than conventional loans</div></div><div class="feature-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" alt="Checkmark" class="icon-xsmall"/><div>First-time buyer friendly</div></div></div><a data-w-id="ad378c5f-a150-3ec6-0d96-05336c6720dd" href="https://app.lower.com/mortgage/lightspeed" 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></div><div class="section---mapbox-and-collection-list"><div class="container xsmall text-align-center"><h1 class="h-xlarge">A better, all-digital experience with <span data-review-count="1">30,000+</span> 5-star reviews.</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://app.lower.com/mortgage/lightspeed" 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://app.lower.com/mortgage/lightspeed" 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://app.lower.com/mortgage/lightspeed" 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://app.lower.com/mortgage/lightspeed" 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="v25-load-below v25-reviews">See more reviews<span class="v25-arrow-down"> </span></div></div><div class="v25-rf-side right video"><div data-video-to-play="870333476" data-w-id="8c3808ca-443e-a057-5730-17607d2ac538" 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/5ef3b440084a4e99e1ef10f9/673f35a6c3c76c8f4c0fee8c_FHA%201.jpg" loading="lazy" sizes="(max-width: 479px) 75vw, (max-width: 767px) 81vw, (max-width: 991px) 73vw, (max-width: 1279px) 42vw, (max-width: 1919px) 500.5px, 27vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673f35a6c3c76c8f4c0fee8c_FHA%201-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673f35a6c3c76c8f4c0fee8c_FHA%201-p-800.jpg 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673f35a6c3c76c8f4c0fee8c_FHA%201.jpg 900w" alt="" class="thumbnail-large"/><div class="simple-card-content large"><h2 class="h-medium">Get your personalized FHA rate quote.</h2><p class="p-body-small max-w-20em bot-m-1em">Discover how affordable homeownership can be with an FHA loan. Get a personalized rate quote tailored to your financial goals and start your journey today.</p><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Get my rate quote</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">Shop for your FHA Loan with no credit check.</h2><p class="p-body-small max-w-20em bot-m-1em">Explore your options risk-free! Get started with a soft credit check that won’t impact your score and see how an FHA loan can work for you.</p><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Get pre-qualified 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><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673f35a774ca7ba0ac86d9e9_FHA%202.jpg" loading="lazy" sizes="(max-width: 479px) 75vw, (max-width: 767px) 81vw, (max-width: 991px) 73vw, (max-width: 1279px) 42vw, (max-width: 1919px) 500.5px, 27vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673f35a774ca7ba0ac86d9e9_FHA%202-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673f35a774ca7ba0ac86d9e9_FHA%202-p-800.jpg 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673f35a774ca7ba0ac86d9e9_FHA%202.jpg 900w" alt="" class="thumbnail-large"/></div><div class="simple-card large"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673f35a6dbaf0b4efd896d3f_FHA%203.jpg" loading="lazy" sizes="(max-width: 479px) 75vw, (max-width: 767px) 81vw, (max-width: 991px) 73vw, (max-width: 1279px) 42vw, (max-width: 1919px) 500.5px, 27vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673f35a6dbaf0b4efd896d3f_FHA%203-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673f35a6dbaf0b4efd896d3f_FHA%203-p-800.jpg 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/673f35a6dbaf0b4efd896d3f_FHA%203.jpg 900w" alt="" class="thumbnail-large"/><div class="simple-card-content large"><h2 class="h-medium">Dedicated support, on your schedule.</h2><p class="p-body-small max-w-20em bot-m-1em">First-time buyer? We’re here to guide you every step of the way. Our loan advisors are available when you need them—text, call, or email, even on weekends. With personalized service that fits your schedule, we make homebuying simple and stress-free.</p><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Work with a Lower advisor today</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></div><div class="section---mapbox-and-collection-list"><div class="container xsmall text-align-center bot-m-4em"><h2 class="h-small color-lightblue bot-m-1-5em">Frequently Asked Questions</h2><h2 class="h-large">You’ve got FHA loan questions. We’ve got answers.</h2></div><div class="container small"><div class="w-dyn-list"><div fs-cmsfilter-element="list" role="list" class="flex-v-full-top row--75rem w-dyn-items"><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What types of properties can I buy with an FHA loan?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>FHA loans can be used to purchase primary residences, including single-family homes, condos, and multi-family properties (up to four units), as long as you live in one of the units.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</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 class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">How much do I need for a down payment with an FHA loan?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>With an FHA loan, you can buy a home with as little as 3.5% down if your credit score is 580 or higher. If your score is between 500 and 579, a 10% down payment is typically required.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</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 class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What is an FHA loan, and how does it work?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>An FHA loan is backed by the Federal Housing Administration, offering low down payments and more flexible credit requirements than conventional loans. It’s designed to make homeownership accessible, especially for first-time buyers.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</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 class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div></div></div></div></div><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><h2 id="thats-more" class="h-large">Your guide to smarter homebuying.</h2><p class="p-body-small m-center">From saving for a down payment to closing the deal, our Learning Center has everything you need to navigate the homebuying process with confidence.</p><div class="spacer-1rem"></div><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/lower-my-rate" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">See all homebuying 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 class="spacer-medium"></div><div class="learn-collection-list-wrapper w-dyn-list"><div role="list" class="playlist-grid w-dyn-items"><div data-w-id="c09037e5-daf1-4a95-ddb4-6badd3091561" role="listitem" class="learn-collection-item w-dyn-item"><a href="#" 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/5f03633041bf32f8ccc60fc0/677421fddd153651c44bbed2_New%20Year%2C%20New%20Home%20Improvements.jpg" sizes="(max-width: 767px) 90vw, (max-width: 991px) 80vw, (max-width: 1279px) 24vw, (max-width: 1919px) 302.6640625px, 16vw" srcset="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/677421fddd153651c44bbed2_New%20Year%2C%20New%20Home%20Improvements-p-500.jpg 500w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/677421fddd153651c44bbed2_New%20Year%2C%20New%20Home%20Improvements-p-800.jpg 800w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/677421fddd153651c44bbed2_New%20Year%2C%20New%20Home%20Improvements-p-1080.jpg 1080w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/677421fddd153651c44bbed2_New%20Year%2C%20New%20Home%20Improvements.jpg 1600w" class="hover-expand-image"/></div><h4 class="heading">New Year, New Home Improvements </h4></div></a><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">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"><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 data-w-id="c09037e5-daf1-4a95-ddb4-6badd3091561" role="listitem" class="learn-collection-item w-dyn-item"><a href="#" 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/5f03633041bf32f8ccc60fc0/6774206a39f2355292e2b6d8_Rising%20Home%20Prices_Image.jpg" sizes="(max-width: 767px) 90vw, (max-width: 991px) 80vw, (max-width: 1279px) 24vw, (max-width: 1919px) 302.6640625px, 16vw" srcset="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6774206a39f2355292e2b6d8_Rising%20Home%20Prices_Image-p-500.jpg 500w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6774206a39f2355292e2b6d8_Rising%20Home%20Prices_Image-p-800.jpg 800w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6774206a39f2355292e2b6d8_Rising%20Home%20Prices_Image-p-1080.jpg 1080w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6774206a39f2355292e2b6d8_Rising%20Home%20Prices_Image.jpg 1600w" class="hover-expand-image"/></div><h4 class="heading">Rising Home Prices Got You Stuck? How to Maximize Your Home’s Value</h4></div></a><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">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"><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 data-w-id="c09037e5-daf1-4a95-ddb4-6badd3091561" role="listitem" class="learn-collection-item w-dyn-item"><a href="#" 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/5f03633041bf32f8ccc60fc0/6772b1fb893c251ac1bb623e_Untitled%20design.png" sizes="(max-width: 767px) 90vw, (max-width: 991px) 80vw, (max-width: 1279px) 24vw, (max-width: 1919px) 302.6640625px, 16vw" srcset="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6772b1fb893c251ac1bb623e_Untitled%20design-p-500.png 500w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6772b1fb893c251ac1bb623e_Untitled%20design-p-800.png 800w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6772b1fb893c251ac1bb623e_Untitled%20design-p-1080.png 1080w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6772b1fb893c251ac1bb623e_Untitled%20design.png 1280w" class="hover-expand-image"/></div><h4 class="heading">Trigger Leads: 3 Things to Do Before You Apply for Any Loan</h4></div></a><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Read More</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" 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