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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><div class="top-fade-cont"><div class="top-fade"></div></div><div id="home-hero-new" class="home-hero-new"><section class="section---home-new-hero"><div class="container-80rem"><div class="home-hero-wrap"><div id="hero-callouts-top" class="hero-bottom-block top"><h2 class="center-title">Discover our services</h2><div class="hero-bottom-grid"><a id="home-new-card-btn1" href="https://app.lower.com/mortgage/lightspeed/heloc?_gl=1*1l2s20l*_gcl_au*MTkxODE3NjQzLjE3MzY0Nzk1OTE.*_ga*NzU0OTk0NzUxLjE3MzYyOTg4MDY.*_ga_RV47VVZRP7*MTczNzQ4NzIzNy4yNS4wLjE3Mzc0ODcyMzcuMC4wLjA." target="_blank" class="hero-bottom---card w-node-c8d18d79-c162-706c-df36-97a2e1183f18-e1183f17 w-inline-block"><div class="hero-bottom---card-title-wrap"><div id="access-equity-btn-text" class="hero-bottom---card-title access">Get cash from your home</div><div class="hero-bottom---card-arrow show-sm w-embed"><svg width="8" height="12" viewBox="0 0 8 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6058_481)"> <path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke="#0064FF" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> </g> <defs> <clipPath id="clip0_6058_481"> <rect width="12" height="8" fill="white" transform="translate(0 12) rotate(-90)"/> </clipPath> </defs> </svg></div></div><div class="hero-bottom---card-content-wrap"><div class="hero-bottom---card-sm-text">Take cash out or get a HELOC to pay for whatever you need.</div><div id="home-card-btn1" class="hero-bottom---card-linkp"><div id="home-card-btn1-text" class="hero-bottom---card-linkp-text">Get Cash</div><div class="hero-bottom---card-arrow w-embed"><svg width="8" height="12" viewBox="0 0 8 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6058_481)"> <path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke="#0064FF" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> </g> <defs> <clipPath id="clip0_6058_481"> <rect width="12" height="8" fill="white" transform="translate(0 12) rotate(-90)"/> </clipPath> </defs> </svg></div></div></div></a><a id="home-new-card-btn2" href="https://app.lower.com/mortgage/lightspeed/refinance?_gl=1*1l2s20l*_gcl_au*MTkxODE3NjQzLjE3MzY0Nzk1OTE.*_ga*NzU0OTk0NzUxLjE3MzYyOTg4MDY.*_ga_RV47VVZRP7*MTczNzQ4NzIzNy4yNS4wLjE3Mzc0ODcyMzcuMC4wLjA." target="_blank" class="hero-bottom---card blue w-node-c8d18d79-c162-706c-df36-97a2e1183f24-e1183f17 w-inline-block"><div class="hero-bottom---card-title-wrap"><div class="hero-bottom---card-title refinance">Refinance<span class="mobile-hide">.</span></div><div class="hero-bottom---card-arrow show-sm w-embed"><svg width="8" height="12" viewBox="0 0 8 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6058_481)"> <path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke="#0064FF" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> </g> <defs> <clipPath id="clip0_6058_481"> <rect width="12" height="8" fill="white" transform="translate(0 12) rotate(-90)"/> </clipPath> </defs> </svg></div></div><div class="hero-bottom---card-content-wrap"><div class="hero-bottom---card-sm-text">Lower your payments and adjust loan terms. We’ll find the right fit.</div><div id="home-card-btn2" class="hero-bottom---card-linkp"><div id="home-card-btn2-text" class="hero-bottom---card-linkp-text">Lower my payment</div><div class="hero-bottom---card-arrow w-embed"><svg width="8" height="12" viewBox="0 0 8 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6058_481)"> <path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke="#0064FF" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> </g> <defs> <clipPath id="clip0_6058_481"> <rect width="12" height="8" fill="white" transform="translate(0 12) rotate(-90)"/> </clipPath> </defs> </svg></div></div></div></a><a id="home-new-card-btn3" href="https://app.lower.com/mortgage/lightspeed/purchase?_gl=1*1l2s20l*_gcl_au*MTkxODE3NjQzLjE3MzY0Nzk1OTE.*_ga*NzU0OTk0NzUxLjE3MzYyOTg4MDY.*_ga_RV47VVZRP7*MTczNzQ4NzIzNy4yNS4wLjE3Mzc0ODcyMzcuMC4wLjA." target="_blank" class="hero-bottom---card yellow w-node-c8d18d79-c162-706c-df36-97a2e1183f30-e1183f17 w-inline-block"><div class="hero-bottom---card-title-wrap"><div class="hero-bottom---card-title buyhome">Buy a home<span class="mobile-hide">.</span></div><div class="hero-bottom---card-arrow show-sm w-embed"><svg width="8" height="12" viewBox="0 0 8 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6058_481)"> <path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke="#0064FF" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> </g> <defs> <clipPath id="clip0_6058_481"> <rect width="12" height="8" fill="white" transform="translate(0 12) rotate(-90)"/> </clipPath> </defs> </svg></div></div><div class="hero-bottom---card-content-wrap"><div class="hero-bottom---card-sm-text">The process is simple. Get the home of your dreams without the hassle.</div><div id="home-card-btn3" class="hero-bottom---card-linkp"><div id="home-card-btn3-text" class="hero-bottom---card-linkp-text">See if I qualify</div><div class="hero-bottom---card-arrow w-embed"><svg width="8" height="12" viewBox="0 0 8 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6058_481)"> <path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke="#0064FF" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> </g> <defs> <clipPath id="clip0_6058_481"> <rect width="12" height="8" fill="white" transform="translate(0 12) rotate(-90)"/> </clipPath> </defs> </svg></div></div></div></a></div></div><div class="hero-main-block-wrap"><article class="hero-main---reviews-text hide-mobile"><div class="w-embed"><svg width="91" height="17" viewBox="0 0 91 17" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_4016_2256)"> <path d="M7.17149 0.0823212L8.57923 6.02142L14.343 4.29115L9.98704 8.49999L14.343 12.7088L8.57923 10.9786L7.17149 16.9177L5.76373 10.9786L0 12.7088L4.35598 8.49999L0 4.29115L5.76373 6.02142L7.17149 0.0823212Z" fill="#FFB82F"/> <path d="M26.3096 0.0822906L27.7174 6.02139L33.4811 4.29112L29.1251 8.49996L33.4811 12.7088L27.7174 10.9786L26.3096 16.9177L24.9019 10.9786L19.1382 12.7088L23.4942 8.49996L19.1382 4.29112L24.9019 6.02139L26.3096 0.0822906Z" fill="#FFB82F"/> <path d="M45.4484 0.0822906L46.8561 6.02139L52.6199 4.29112L48.2639 8.49996L52.6199 12.7088L46.8561 10.9786L45.4484 16.9177L44.0406 10.9786L38.2769 12.7088L42.6328 8.49996L38.2769 4.29112L44.0406 6.02139L45.4484 0.0822906Z" fill="#FFB82F"/> <path d="M64.587 0.0822906L65.9948 6.02139L71.7585 4.29112L67.4025 8.49996L71.7585 12.7088L65.9948 10.9786L64.587 16.9177L63.1792 10.9786L57.4155 12.7088L61.7715 8.49996L57.4155 4.29112L63.1792 6.02139L64.587 0.0822906Z" fill="#FFB82F"/> <path d="M83.7252 0.0822906L85.1332 6.02139L90.8967 4.29112L86.5404 8.49995L90.8967 12.7088L85.1332 10.9785L83.7252 16.9176L82.3175 10.9785L76.5537 12.7088L80.9097 8.49995L76.5537 4.29112L82.3175 6.02139L83.7252 0.0822906Z" fill="#FFB82F"/> </g> <defs> <clipPath id="clip0_4016_2256"> <rect width="90.8968" height="16.8354" fill="white" transform="translate(0 0.0823212)"/> </clipPath> </defs> </svg></div><div class="hero-main-review-text"><span class="hero-main-review-text---span">30,000+ Five-Star Reviews</span> <span class="hide-mobile">“Exceptional service”</span></div></article><div class="hero-main-block"><div class="hero-main-block---left"><div class="hero-heading-wrap"><h1 class="home-hero---title v2">Mortgage</h1><h1 class="home-hero---title v2">‍<span class="color-magic-1">m</span><span class="color-magic-2">a</span><span class="color-magic-3">g</span><span class="color-magic-4">i</span><span class="color-magic-5">c</span><span class="color-magic-6">.</span></h1></div><div class="home-hero---content-wrap"><div class="text-block-19">Super simple. Lightning-fast application. Dedicated mortgage expert. Get a home loan you’ll actually love.</div><div class="button-wrap"><a id="home-new-hero-cta" data-w-id="55c0fdd0-0884-baba-eab4-3199ae38791e" href="https://app.lower.com/mortgage/lightspeed" target="_blank" class="button home w-inline-block"><div class="button-content"><div id="home-new-hero-cta-text">Explore Your Options</div><div style="width:0.7em" 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="home-hero---icon-text"><div class="w-embed"><svg width="18" height="19" viewBox="0 0 18 19" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M3 13.5719V9.37186C3 8.53171 3 8.11179 3.16349 7.79086C3.3073 7.50865 3.5366 7.27916 3.81885 7.13536C4.13972 6.97186 4.56007 6.97186 5.40015 6.97186H12.6002C13.4402 6.97186 13.86 6.97186 14.1809 7.13536C14.4631 7.27916 14.6929 7.50865 14.8367 7.79086C15.0002 8.11179 15 8.53171 15 9.37186V13.5719C15 14.4119 15.0002 14.832 14.8367 15.1529C14.6929 15.4352 14.4631 15.6645 14.1809 15.8084C13.86 15.9719 13.4402 15.9719 12.6002 15.9719H5.40015C4.56007 15.9719 4.13972 15.9719 3.81885 15.8084C3.5366 15.6645 3.3073 15.4352 3.16349 15.1529C3 14.832 3 14.4119 3 13.5719ZM6.75 6.79879V4.72186C6.75 3.47923 7.75733 2.47186 9 2.47186C10.2427 2.47186 11.25 3.47923 11.25 4.72186V6.79879C11.25 6.89437 11.1723 6.97186 11.0767 6.97186H6.92285C6.82727 6.97186 6.75 6.89437 6.75 6.79879Z" stroke="#8F8F8F" stroke-width="1.51579" stroke-linecap="round" stroke-linejoin="round"/> </svg></div><div class="home-hero---icon-text--text">No-impact credit check. No commitment.</div></div></div></div><div class="home-hero---right"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/678fd27fe7546f17dc7231cf_Hero%20image%20(2).png" loading="lazy" sizes="(max-width: 644px) 100vw, 644px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/678fd27fe7546f17dc7231cf_Hero%20image%20(2)-p-500.png 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/678fd27fe7546f17dc7231cf_Hero%20image%20(2).png 644w" alt=""/></div></div><div class="review-block-scroller-wrap"><div class="review-block-scroller scroll"><div class="reviews-block"><div class="review-block-wrap"><div class="reviews-callout"><div class="reviews-callout---icon w-embed"><svg width="40" height="40" viewBox="0 0 40 40" fill="none" xmlns="http://www.w3.org/2000/svg"> <rect x="0.5" y="0.5" width="39" height="39" rx="7.5" stroke="#DBDBDB"/> <path d="M25.0006 14.8578H21.1816L20.0019 11.3932L18.8186 14.8578L14.9995 14.8543L18.0924 16.9977L16.9091 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</defs> </svg></div><div class="reviews-callout-text"><div class="reviews-callout---icon-text"><div class="w-embed"><svg width="15" height="18" viewBox="0 0 15 18" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.17149 0.582336L8.57923 6.52143L14.343 4.79117L9.98704 9L14.343 13.2089L8.57923 11.4786L7.17149 17.4177L5.76373 11.4786L0 13.2089L4.35598 9L0 4.79117L5.76373 6.52143L7.17149 0.582336Z" fill="#1D1D23"/> </svg></div><div class="text-block-17">5.0</div></div><div class="text-block-18">3,100+ reviews</div></div></div></div></div></div></div><div class="w-embed"><style> @keyframes scroll { from { transform: translateX(0); } to { transform: translateX(calc(-100% - 1rem)); } } @media(max-width:767px){ .scroll { animation: scroll 60s linear infinite; } .reverse { animation-direction: reverse; } } </style></div></div><div id="hero-callouts-bottom" class="hero-bottom-block bottom"><h2 class="center-title">Discover our services</h2><div class="hero-bottom-grid"><a id="home-new-card-btn1" href="https://app.lower.com/mortgage/lightspeed/heloc?_gl=1*1l2s20l*_gcl_au*MTkxODE3NjQzLjE3MzY0Nzk1OTE.*_ga*NzU0OTk0NzUxLjE3MzYyOTg4MDY.*_ga_RV47VVZRP7*MTczNzQ4NzIzNy4yNS4wLjE3Mzc0ODcyMzcuMC4wLjA." target="_blank" class="hero-bottom---card w-node-c8d18d79-c162-706c-df36-97a2e1183f18-e1183f17 w-inline-block"><div class="hero-bottom---card-title-wrap"><div id="access-equity-btn-text" class="hero-bottom---card-title access">Get cash from your home</div><div class="hero-bottom---card-arrow show-sm w-embed"><svg width="8" height="12" viewBox="0 0 8 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6058_481)"> <path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke="#0064FF" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> </g> <defs> <clipPath id="clip0_6058_481"> <rect width="12" height="8" fill="white" transform="translate(0 12) rotate(-90)"/> </clipPath> </defs> </svg></div></div><div class="hero-bottom---card-content-wrap"><div class="hero-bottom---card-sm-text">Take cash out or get a HELOC to pay for whatever you need.</div><div id="home-card-btn1" class="hero-bottom---card-linkp"><div id="home-card-btn1-text" class="hero-bottom---card-linkp-text">Get Cash</div><div class="hero-bottom---card-arrow w-embed"><svg width="8" height="12" viewBox="0 0 8 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6058_481)"> <path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke="#0064FF" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> </g> <defs> <clipPath id="clip0_6058_481"> <rect width="12" height="8" fill="white" transform="translate(0 12) rotate(-90)"/> </clipPath> </defs> </svg></div></div></div></a><a id="home-new-card-btn2" href="https://app.lower.com/mortgage/lightspeed/refinance?_gl=1*1l2s20l*_gcl_au*MTkxODE3NjQzLjE3MzY0Nzk1OTE.*_ga*NzU0OTk0NzUxLjE3MzYyOTg4MDY.*_ga_RV47VVZRP7*MTczNzQ4NzIzNy4yNS4wLjE3Mzc0ODcyMzcuMC4wLjA." target="_blank" class="hero-bottom---card blue w-node-c8d18d79-c162-706c-df36-97a2e1183f24-e1183f17 w-inline-block"><div class="hero-bottom---card-title-wrap"><div class="hero-bottom---card-title refinance">Refinance<span class="mobile-hide">.</span></div><div class="hero-bottom---card-arrow show-sm w-embed"><svg width="8" height="12" viewBox="0 0 8 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6058_481)"> <path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke="#0064FF" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> </g> <defs> <clipPath id="clip0_6058_481"> <rect width="12" height="8" fill="white" transform="translate(0 12) rotate(-90)"/> </clipPath> </defs> </svg></div></div><div class="hero-bottom---card-content-wrap"><div class="hero-bottom---card-sm-text">Lower your payments and adjust loan terms. We’ll find the right fit.</div><div id="home-card-btn2" class="hero-bottom---card-linkp"><div id="home-card-btn2-text" class="hero-bottom---card-linkp-text">Lower my payment</div><div class="hero-bottom---card-arrow w-embed"><svg width="8" height="12" viewBox="0 0 8 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6058_481)"> <path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke="#0064FF" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> </g> <defs> <clipPath id="clip0_6058_481"> <rect width="12" height="8" fill="white" transform="translate(0 12) rotate(-90)"/> </clipPath> </defs> </svg></div></div></div></a><a id="home-new-card-btn3" href="https://app.lower.com/mortgage/lightspeed/purchase?_gl=1*1l2s20l*_gcl_au*MTkxODE3NjQzLjE3MzY0Nzk1OTE.*_ga*NzU0OTk0NzUxLjE3MzYyOTg4MDY.*_ga_RV47VVZRP7*MTczNzQ4NzIzNy4yNS4wLjE3Mzc0ODcyMzcuMC4wLjA." target="_blank" class="hero-bottom---card yellow w-node-c8d18d79-c162-706c-df36-97a2e1183f30-e1183f17 w-inline-block"><div class="hero-bottom---card-title-wrap"><div class="hero-bottom---card-title buyhome">Buy a home<span class="mobile-hide">.</span></div><div class="hero-bottom---card-arrow show-sm w-embed"><svg width="8" height="12" viewBox="0 0 8 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6058_481)"> <path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke="#0064FF" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> </g> <defs> <clipPath id="clip0_6058_481"> <rect width="12" height="8" fill="white" transform="translate(0 12) rotate(-90)"/> </clipPath> </defs> </svg></div></div><div class="hero-bottom---card-content-wrap"><div class="hero-bottom---card-sm-text">The process is simple. Get the home of your dreams without the hassle.</div><div id="home-card-btn3" class="hero-bottom---card-linkp"><div id="home-card-btn3-text" class="hero-bottom---card-linkp-text">See if I qualify</div><div class="hero-bottom---card-arrow w-embed"><svg width="8" height="12" viewBox="0 0 8 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6058_481)"> <path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke="#0064FF" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> </g> <defs> <clipPath id="clip0_6058_481"> <rect width="12" height="8" fill="white" transform="translate(0 12) rotate(-90)"/> </clipPath> </defs> </svg></div></div></div></a></div></div></div></div></section></div><section id="ab-0724-onlyatlower-control" class="section---mapbox-and-collection-list"><div class="container text-align-center content"><div class="flex-h-center col-1em row--25em bot-m-1em"><div class="h-xsmall weight-medium no-bot-m color-smoke mobile-last">“Quick and simple.”</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649af4b1e07ecbe198b9f317_mm-stars.svg" loading="eager" width="90" alt=""/><div class="h-xsmall weight-medium no-bot-m mobile-first"><span data-review-count="1">XX,XXX+</span> Five-Star Reviews</div></div><h1 class="h-xxlarge">Only at <span class="ds24-magic">Lower</span></h1></div><div class="v25-spacer-6em"></div><div id="only-at-lower-new" class="only-at-lower-cards"><div class="container only-lower"><div class="only-at-lower-cards-wrap"><div class="home-lower-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67bf59a290bd6d0d557ca782_graphic.png" loading="lazy" sizes="(max-width: 605px) 100vw, 605px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67bf59a290bd6d0d557ca782_graphic-p-500.png 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67bf59a290bd6d0d557ca782_graphic.png 605w" alt="" class="thumbnail-large home"/><div class="simple-card-content lower"><h2 class="h-medium home">Buy a Home From Your Phone</h2><p class="p-body-small bot-m-1em only-lower">It’s a mortgage application without that “mortgage application” feel. Apply in 3 mins or less.</p><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed?_gl=1*duq7yv*_gcl_au*MTkxODE3NjQzLjE3MzY0Nzk1OTE.*_ga*NzU0OTk0NzUxLjE3MzYyOTg4MDY.*_ga_RV47VVZRP7*MTc0MDU5MTA5My43OS4xLjE3NDA1OTE1ODkuMC4wLjA." class="ds24-link-block color-lightblue w-inline-block"><div class="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 class="home-lower-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67bf59a434e0bc764bada495_graphic%20(1).png" loading="lazy" sizes="(max-width: 605px) 100vw, 605px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67bf59a434e0bc764bada495_graphic%20(1)-p-500.png 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67bf59a434e0bc764bada495_graphic%20(1).png 605w" alt="" class="thumbnail-large home"/><div class="simple-card-content lower"><h2 class="h-medium home">Even on Weekends</h2><p class="p-body-small bot-m-1em only-lower">Text, call, or email your loan advisor 7 days a week. Day or night, on your schedule.</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 Started</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="home-lower-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67bf59a4754ace67f4afa5ac_graphic%20(2).png" loading="lazy" sizes="(max-width: 605px) 100vw, 605px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67bf59a4754ace67f4afa5ac_graphic%20(2)-p-500.png 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67bf59a4754ace67f4afa5ac_graphic%20(2).png 605w" alt="" class="thumbnail-large home"/><div class="simple-card-content lower"><h2 class="h-medium home">Refreshingly Real</h2><p class="p-body-small bot-m-1em only-lower">We use all our creative might to build the best loan, at the best price, just 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">Explore your Options</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 class="container v25-f-f-solo only-lower"><div class="v25-f-f-card v25-dark"><a href="https://www.lower.com/details/free-refi-for-life" class="details w-inline-block"><div class="h-xsmall weight-medium no-bot-m">See full details</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/62715c72bbd46b03fb41b43d_Info.svg" loading="lazy" alt="" class="icon-small"/></a><div class="v25-f-f-content v25-fill fuller"><h2 class="h-medium mobile-max-w-10">Refinance for free. <span class="v25-magic-g">For life. </span>🤘</h2><p class="p-body-small max-w-30em">Buy or refinance once with Lower, and we’ll cover the lending fees on your refinances, for life.*</p></div></div></div></div></section><div class="section---mapbox-and-collection-list full-cta"></div><section class="fully-vettted-section"><div><div class="container"><div class="fully-vetted-wrap"><div class="fully-vetted-header"><div class="fully-vetted-callout"><div class="fully-veted-icon w-embed"><svg width="34" height="34" viewBox="0 0 34 34" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M15.5125 22.0292L23.5167 14.025L21.4979 12.0062L15.5125 17.9917L12.5375 15.0167L10.5188 17.0354L15.5125 22.0292ZM17 31.1667C13.7181 30.3403 11.0087 28.4573 8.8719 25.5177C6.73509 22.5781 5.66669 19.3139 5.66669 15.725V7.08333L17 2.83333L28.3334 7.08333V15.725C28.3334 19.3139 27.2649 22.5781 25.1281 25.5177C22.9913 28.4573 20.282 30.3403 17 31.1667ZM17 28.1917C19.4556 27.4125 21.4861 25.8542 23.0917 23.5167C24.6972 21.1792 25.5 18.5819 25.5 15.725V9.03125L17 5.84375L8.50002 9.03125V15.725C8.50002 18.5819 9.3028 21.1792 10.9084 23.5167C12.5139 25.8542 14.5445 27.4125 17 28.1917Z" fill="#5E5E64"/> </svg></div><div class="fully-veted-text">Certified to Government Standards</div></div><h2 class="h-xlarge no-bot-m text-align-center">Fully vetted and <span class="ds24-magic">approved</span>.</h2><div class="fully-vetted-subtitle">Direct to you.</div></div><div class="fully-vetted-content"><div class="fully-vetted-text">Certified by Fannie & Freddie, meaning continuous vetting by government-backed institutions for more <strong>loan options, better rates, and peace of mind.</strong></div><div class="fully-vetted-logos"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/679bbfab3e2223bba97c1217_Fannie-Mae-Logo%201.png" loading="lazy" alt=""/><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/679bbfab70bc08ccb6c61022_Freddie-Mac-Logo-Photoroom%201.png" loading="lazy" alt=""/></div><div class="fully-vetted-button-wrap"><a data-w-id="91bf0f5d-e807-fdf8-4018-75c3b1ac5c82" href="https://app.lower.com/mortgage/lightspeed" class="button review w-inline-block"><div class="button-content"><div>Get Started Today</div><div style="width:0.7em" 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></section><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"><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">10 min read</div></div></div><h3 class="h-small no-bot-m">The Loan Process Made Simple</h3></div><div class="ds24-bkg-hover"></div></a><div class="spacer-3em"></div><div><h2 class="h-large">What’s the right mortgage for me?</h2><div class="text-w-link left"><div class="p-body-small">Ready to start?</div><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">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></div></div><div class="split-content split-large row-1em"><a href="/finance" class="simple-card w-inline-block"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651aec4c5ad288934d5468a4_loan-options-1-opt.jpg" loading="lazy" sizes="(max-width: 644px) 100vw, 644px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651aec4c5ad288934d5468a4_loan-options-1-opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651aec4c5ad288934d5468a4_loan-options-1-opt.jpg 644w" alt="Friendly suburban home, ready for purchase" class="thumbnail-small"/><div class="simple-card-content"><h2 class="h-medium">Buy a home</h2><p class="p-body-small max-w-20em">Get financing to buy the house you’ve always wanted.</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><a href="/refinance" class="simple-card w-inline-block"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651aec4c3a3af70cde935c2e_loan-options-2-opt.jpg" loading="lazy" sizes="(max-width: 644px) 100vw, 644px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651aec4c3a3af70cde935c2e_loan-options-2-opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651aec4c3a3af70cde935c2e_loan-options-2-opt.jpg 644w" alt="Beautiful home interior of a recently refinanced home." class="thumbnail-small"/><div class="simple-card-content"><h2 class="h-medium">Refinance</h2><p class="p-body-small max-w-20em">Change your rate or your term. Let’s figure out what’s best for you.</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><a href="/heloc" class="simple-card w-inline-block"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651aec4d48430e2eec752235_loan-options-3-opt.jpg" loading="lazy" sizes="(max-width: 644px) 100vw, 644px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651aec4d48430e2eec752235_loan-options-3-opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651aec4d48430e2eec752235_loan-options-3-opt.jpg 644w" alt="Family enjoying their newly renovated home they were able to afford through their Home Equity Line of Credit, HELOC" class="thumbnail-small"/><div class="simple-card-content"><h2 class="h-medium">Access equity</h2><p class="p-body-small max-w-20em">Take money out of your home to pay for whatever you need.</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><section class="home-review-section-new"><div class="container-large"><div class="home-review---wrap"><div class="reviews-block-header"><div class="reviews-block-header---top"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66c6031f90cda484b852aff9_reviews%20graphic.png" loading="lazy" alt="" class="image-5"/><div class="reviews-block-header---top-text">Trusted by over 30,000 customers across the U.S.</div></div><h2 class="h-xlarge no-bot-m text-align-center">Don't take our word for it.</h2><div class="review-button-wrap"><div class="small-text text-align-center">Ready to take the next step?</div><a id="home-new-hero-cta" data-w-id="d71c1553-1e69-9389-e4c2-212afc18c704" href="https://app.lower.com/mortgage/lightspeed" class="button review w-inline-block"><div class="button-content"><div>Get Started Today</div><div style="width:0.7em" 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 id="reviewslider" class="review-slider swiper"><div class="swiper-wrapper"><div class="review-slide-wrap swiper-slide"><div class="review-slide-text">"The service I received was <span class="color-pink-purple">top notch</span>. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process."</div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da4343d395c6f5e8674cab_Rectangle%203032.jpg" loading="lazy" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title">Ranae T</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649ae09d3bd1486afa96b3d4_trustpilot-logo.svg" loading="lazy" alt="Trustpilot Logo" class="review-slide-author-icon"/></div></div></div><div class="review-slide-wrap swiper-slide"><div class="review-slide-text">"Connor was amazing throughout the entire <span class="color-pink-purple">cash out refinance</span> process. He always kept us up to date with everything going on. He also always made sure he was available to answer any question we might have had."</div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da43b3111a44b31adfeb0a_Rectangle%203042.jpg" loading="lazy" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title">Mia M</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649ae09d3bd1486afa96b3d4_trustpilot-logo.svg" loading="lazy" alt="Trustpilot Logo" class="review-slide-author-icon"/></div></div></div><div class="review-slide-wrap swiper-slide"><div class="review-slide-text">"Lower was able to get me approved and in my new home as a <span class="color-pink-purple">first time homebuyer</span> with hardly any issues. My Loan Advisor answered all my questions, and kept me informed throughout the process. Highly recommended!"</div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da4324f2389076b02d2678_Rectangle%203037.jpg" loading="lazy" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title"><strong>Thien D</strong></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649ae09d3bd1486afa96b3d4_trustpilot-logo.svg" loading="lazy" alt="Trustpilot Logo" class="review-slide-author-icon"/></div></div></div><div class="review-slide-wrap swiper-slide"><div class="review-slide-text">"Lower.com helped lead us through the process of refinancing and HELOC. There were times when it got a little overwhelming, but Lower always stayed right on top of things and <span class="color-pink-purple">kept us informed</span>..."</div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da4315c6b6445dda3e4f23_Rectangle%203039.jpg" loading="lazy" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title">Gina S</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649ae09d3bd1486afa96b3d4_trustpilot-logo.svg" loading="lazy" alt="Trustpilot Logo" class="review-slide-author-icon"/></div></div></div><div class="review-slide-wrap swiper-slide"><div class="review-slide-text">"The whole process <span class="color-pink-purple">from start to finish was easy</span> with Lower.com. My lender was always there and answered any questions I had and made it work for me to close."</div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da435fb20aa28a28ca9ae1_Rectangle%203038.jpg" loading="lazy" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title"><strong>Heather B</strong></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649ae09d3bd1486afa96b3d4_trustpilot-logo.svg" loading="lazy" alt="Trustpilot Logo" class="review-slide-author-icon"/></div></div></div><div class="review-slide-wrap swiper-slide"><div class="review-slide-text">"I was very happy with Lower and the entire refinancing experience. You can tell Lower <span class="color-pink-purple">really cares about the customer</span> and wants to make the experience as good as possible for the customer."</div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6792b9d1e2b43e4f96f5d508_60a2c51abd781c82196cec0c_Profile-3-F.jpg" loading="lazy" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title"><strong>Marchelle B</strong></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6792a50bfed5c3b229a8a1b7_logos_google.png" loading="lazy" alt="" class="review-slide-author-icon"/></div></div></div></div><div class="review-slider-navigation swiper-navigation"><div class="review-slider-arrows swiper-button-prev"><div class="review-slider-arrows-icon w-embed"><svg width="19" height="19" viewBox="0 0 19 19" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M8 2.53333L2 9.49999C4.34315 12.2206 5.65685 13.746 8 16.4667" stroke="#1D1D23" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> <path d="M2.5 9.5L17 9.5" stroke="#1D1D23" stroke-width="2" stroke-linecap="round"/> </svg></div></div><div class="review-slider-arrows swiper-button-next"><div class="review-slider-arrows-icon w-embed"><svg width="19" height="19" viewBox="0 0 19 19" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M11 16.4667L17 9.50001C14.6569 6.77936 13.3431 5.25399 11 2.53334" stroke="#1D1D23" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> <path d="M16.5 9.5L2 9.5" stroke="#1D1D23" stroke-width="2" stroke-linecap="round"/> </svg></div></div></div></div><div class="reviews-card-block-wrap"><div class="reviews-card-block---left"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6130d2b8c65c0a7f74d826ae_Stars.svg" loading="lazy" width="Auto" alt="" class="star-rating"/><h2 class="review-card-title">Over 30,000 five star reviews and counting</h2></div><div class="review-callouts"><div class="review-callout"><div class="review-callout---rating">4.8</div><div class="review-callout---service"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6792a50bc0c4c76ecfacf299_tp.png" loading="lazy" alt=""/><div class="small-text-white">2,500+ reviews</div></div></div><div class="review-callout"><div class="review-callout---rating">4.9</div><div class="review-callout---service"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6792a50bd8e2bdda25b05995_Zillow_logo.svg%201.png" loading="lazy" alt=""/><div class="small-text-white">9,300+ reviews</div></div></div><div class="review-callout"><div class="review-callout---rating">4.9</div><div class="review-callout---service"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6792a50b06215caf7a3eb21f_logo%202.png" loading="lazy" alt=""/><div class="small-text-white">28,800+ reviews</div></div></div><div class="review-callout"><div class="review-callout---rating">4.9</div><div class="review-callout---service"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6792a50bfed5c3b229a8a1b7_logos_google.png" loading="lazy" alt=""/><div class="small-text-white">4,300+ reviews</div></div></div></div></div></div></div></section><section id="ab-0903-reivews-old" class="section---mapbox-and-collection-list hide"><div class="container text-align-center content"><div class="flex-h-center col-1em row--25em bot-m-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65563aa75d2e044b0899ff0b_logo-tp-centered.svg" loading="eager" alt=""/><div class="h-xsmall weight-medium no-bot-m color-smoke mobile-last">Lower.com—Top Mortgage Lender</div><div class="h-xsmall weight-medium no-bot-m">4.8 / 5</div></div><h1 class="h-xlarge no-bot-m">Don't take our word for it.</h1></div><div data-w-id="1371d12c-2fbc-6ca9-1c43-e46e04578b37" class="new-reviews-container"><div class="review-grid-row _1"><div class="review-grid-card"><div><h2 class="h-small">Great Company to Work With</h2><p class="p-body-small">Lower helped our family with a HELOC and was extremely friendly, knowledgeable, and responsive. Despite a rapidly changing market, he guided us every step of the way.</p></div><div class="v25-rg-attb"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da430207a8b43fd6aa4380_Rectangle%203034.jpg" loading="lazy" alt="" class="v25-rg-img"/><div class="v25-rg-attb-txt"><div class="v25-review-name"><span class="v25-verify-check"> </span>Dakota M</div><div class="v25-verify">Trustpilot Review</div></div></div></div><div class="review-grid-card"><div><h2 class="h-small">Definitely recommend!</h2><p class="p-body-small">Lower.com helped lead us through the process of refinancing and HELOC. There were times when it got a little overwhelming, but Lower always stayed right on top of things and kept us informed...</p></div><div class="v25-rg-attb"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da4315c6b6445dda3e4f23_Rectangle%203039.jpg" loading="lazy" alt="" class="v25-rg-img"/><div class="v25-rg-attb-txt"><div class="v25-review-name"><span class="v25-verify-check"> </span>Gina S</div><div class="v25-verify">Trustpilot Review</div></div></div></div><div class="review-grid-card _3"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51ae74255ffb3270ff77_review-lrg-img-1-opt.jpg" loading="lazy" sizes="(max-width: 1132px) 100vw, 1132px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51ae74255ffb3270ff77_review-lrg-img-1-opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51ae74255ffb3270ff77_review-lrg-img-1-opt.jpg 1132w" alt="A happy Lower.com customer" class="bkg-image"/></div><div class="review-grid-card _4"><div><h2 class="h-small">Great company to work with</h2><p class="p-body-small">The whole process from start to finish was easy with Lower.com. My lender was always there and answered any questions I had and made it work for me to close.</p></div><div class="v25-rg-attb"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da435fb20aa28a28ca9ae1_Rectangle%203038.jpg" loading="lazy" alt="" class="v25-rg-img"/><div class="v25-rg-attb-txt"><div class="v25-review-name"><span class="v25-verify-check"> </span>Heather B</div><div class="v25-verify">Trustpilot Review</div></div></div></div></div><div class="review-grid-row _2"><div class="review-grid-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51ae793b2af929f3a736_review-lrg-img-2-opt.jpg" loading="lazy" sizes="(max-width: 1132px) 100vw, 1132px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51ae793b2af929f3a736_review-lrg-img-2-opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51ae793b2af929f3a736_review-lrg-img-2-opt.jpg 1132w" alt="A happy Lower.com customer" class="bkg-image"/></div><div class="review-grid-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51af6e8f58d4d3cf7f82_review-lrg-img-3-opt.jpg" loading="lazy" sizes="(max-width: 1132px) 100vw, 1132px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51af6e8f58d4d3cf7f82_review-lrg-img-3-opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51af6e8f58d4d3cf7f82_review-lrg-img-3-opt.jpg 1132w" alt="A happy Lower.com customer" class="bkg-image"/></div><div class="review-grid-card _3"><div><h2 class="h-small">Had a great experience with Lower!</h2><p class="p-body-small">Lower was able to get me approved and in my new home as a first time homebuyer with hardly any issues. My Loan Advisor answered all my questions, and kept me informed throughout the process. Highly recommended!</p></div><div class="v25-rg-attb"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da4324f2389076b02d2678_Rectangle%203037.jpg" loading="lazy" alt="" class="v25-rg-img"/><div class="v25-rg-attb-txt"><div class="v25-review-name"><span class="v25-verify-check"> </span>Thien D</div><div class="v25-verify">Trustpilot Review</div></div></div></div><div class="review-grid-card _4"><div><h2 class="h-small">Amazing Service</h2><p class="p-body-small">Connor was amazing throughout the entire cash out refinance process. He always kept us up to date with everything going on. He also always made sure he was available to answer any question we might have had.</p></div><div class="v25-rg-attb"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da43b3111a44b31adfeb0a_Rectangle%203042.jpg" loading="lazy" alt="" class="v25-rg-img"/><div class="v25-rg-attb-txt"><div class="v25-review-name"><span class="v25-verify-check"> </span>Mia M</div><div class="v25-verify">Trustpilot Review</div></div></div></div></div><div class="review-grid-row _3"><div class="review-grid-card"><div><h2 class="h-small">Easiest refi ever</h2><p class="p-body-small">Did all communication through text message. Signed all documents through an online portal. Easy. Loan just moved into processing phase. Everything is moving very quickly...</p></div><div class="v25-rg-attb"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da4338a0c05cbac96cf3e0_Rectangle%203035.jpg" loading="lazy" alt="" class="v25-rg-img"/><div class="v25-rg-attb-txt"><div class="v25-review-name"><span class="v25-verify-check"> </span>Greg A</div><div class="v25-verify">Trustpilot Review</div></div></div></div><div class="review-grid-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51aeadb4364b9265df2c_review-lrg-img-4-opt.jpg" loading="lazy" sizes="(max-width: 1132px) 100vw, 1132px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51aeadb4364b9265df2c_review-lrg-img-4-opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51aeadb4364b9265df2c_review-lrg-img-4-opt.jpg 1132w" alt="A happy Lower.com customer" class="bkg-image"/></div><div class="review-grid-card _3"><div><h2 class="h-small">Highly recommend!</h2><p class="p-body-small">The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.</p></div><div class="v25-rg-attb"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da4343d395c6f5e8674cab_Rectangle%203032.jpg" loading="lazy" alt="" class="v25-rg-img"/><div class="v25-rg-attb-txt"><div class="v25-review-name"><span class="v25-verify-check"> </span>Ranae T</div><div class="v25-verify">Trustpilot Review</div></div></div></div><div class="review-grid-card _4"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51aeb99ade0fad1f3776_review-lrg-img-5-opt.jpg" loading="lazy" sizes="(max-width: 1132px) 100vw, 1132px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51aeb99ade0fad1f3776_review-lrg-img-5-opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51aeb99ade0fad1f3776_review-lrg-img-5-opt.jpg 1132w" alt="A happy Lower.com customer" class="bkg-image"/></div></div></div><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><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">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><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="1970daab-dd0c-b9c5-ed0d-86af8129b767" class="v25-load-below v25-reviews link-text">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="213f1809-8b44-6c28-8a26-7b27f530bacd" 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></section><div id="ab-0903-reivews-new" class="ab-test-hide"><section class="section---mapbox-and-collection-list"><div class="container text-align-center x-small"><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66c6031f90cda484b852aff9_reviews%20graphic.png" loading="lazy" width="126" alt=""/><div class="h-xsmall no-bot-m"><span data-review-count="1">30,000</span> Five-Star Reviews</div></div><div class="spacer-2rem"></div><h1 class="h-xxlarge">Don't take our word for it.</h1><div class="text-w-link"><div>Ready to take the next step?</div><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">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></div><div class="spacer-6rem"></div><div class="container"><div class="split align-top"><div class="split-side"><div class="flex-v-full-top row-1rem"><div class="review-side-card"><div class="review-side-top"><div class="flex-h-center-left col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66c61d65e293582db8dee04a_editor_choice.svg" loading="lazy" alt=""/><div class="label-small no-bot-m">Lower.com—Top Mortgage Lender</div></div></div><div class="review-side-content"><div class="h-xlarge no-bot-m"><span data-review-score-trustpilot="1">4.8</span><sup class="review-small-number">/5</sup></div><div class="flex-v-left-center row--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65bbe44b36667cbc57a1450c_reviews-logo-trustpilot.svg" loading="lazy" alt=""/><p class="p-body-small">Based on <a href="https://www.trustpilot.com/review/lower.com" class="weight-medium color-lightblue ds24-underline"><span data-review-count-trustpilot="1">1,475</span> reviews</a></p></div></div></div><div class="review-side-card"><div class="review-side-content"><div class="h-xlarge no-bot-m"><span data-review-score-google="1">4.9</span><sup class="review-small-number">/5</sup></div><div class="flex-v-left-center row--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65bbe44b8e2830b3483ab503_reviews-logo-google.svg" loading="lazy" alt=""/><p class="p-body-small">Based on <a href="https://g.co/kgs/pAVqjVj" class="weight-medium color-lightblue ds24-underline"><span data-review-count-google="1">1,475</span> reviews</a></p></div></div></div><div class="review-side-card"><div class="review-side-content"><div class="h-xlarge no-bot-m"><span data-review-score-zillow="1">4.9</span><sup class="review-small-number">/5</sup></div><div class="flex-v-left-center row--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65bbe44b440276f74ce4d0d4_reviews-logo-zillow.svg" loading="lazy" alt=""/><p class="p-body-small">Based on <a href="https://www.zillow.com/lender-profile/lower/" class="weight-medium color-lightblue ds24-underline"><span data-review-count-zillow="1">1,475</span> reviews</a></p></div></div></div><div class="review-side-card"><div class="review-side-content"><div class="h-xlarge no-bot-m"><span data-review-score-bankrate="1">4.9</span><sup class="review-small-number">/5</sup></div><div class="flex-v-left-center row--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65bbe44b17ee15b41776b437_reviews-logo-bankrate.svg" loading="lazy" alt=""/><p class="p-body-small">Based on <a href="https://www.bankrate.com/mortgages/reviews/lower/#customer-ratings-and-reviews" class="weight-medium color-lightblue ds24-underline"><span data-review-count-bankrate="1">1,475</span> reviews</a></p></div></div></div></div></div><div class="split-side"><div class="flex-v-full-top row-4rem"><div><h2 class="h-xsmall">Highly recommend!<br/></h2><p class="p-body-small bot-m-2-5em">The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.</p><div><div class="flex-h-center-left col--5em bot-m--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/641db97826c169a89e651b13_v2-review-check.svg" loading="lazy" alt=""/><div class="h-xxsmall no-bot-m">Ranae T.</div></div><p class="p-body-small">Trustpilot Review</p></div></div><div><h2 class="h-xsmall">Perfect for 1st time homebuyers!</h2><p class="p-body-small bot-m-2-5em">As a brand new (never-EVER-thought-about-owning-a-house-before) home owner, I was SO relieved that Lower helped to make the process EXPONENTIALLY easier (and apparently much faster) than I expected. Let Lower help you find your way to your new home. You won't regret it!</p><div><div class="flex-h-center-left col--5em bot-m--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/641db97826c169a89e651b13_v2-review-check.svg" loading="lazy" alt=""/><div class="h-xxsmall no-bot-m">Dara C.</div></div><p class="p-body-small">Google Review</p></div></div><div><h2 class="h-xsmall">Excellent service. 👏</h2><p class="p-body-small bot-m-2-5em">Lower did an excellent job getting the deal done. They are in constant communication and always available for questions. Lower made everything stress free!</p><div><div class="flex-h-center-left col--5em bot-m--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/641db97826c169a89e651b13_v2-review-check.svg" loading="lazy" alt=""/><div class="h-xxsmall no-bot-m">Dana S.</div></div><p class="p-body-small">Zillow Review</p></div></div><div><h2 class="h-xsmall">Excellent loan officer and service.</h2><p class="p-body-small bot-m-2-5em">I worked with Lower to secure a loan for our first house purchase. They were informative, helpful, communicative and nice to boot! Got us a great loan and helped us cross the finish line on the purchase. A++</p><div><div class="flex-h-center-left col--5em bot-m--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/641db97826c169a89e651b13_v2-review-check.svg" loading="lazy" alt=""/><div class="h-xxsmall no-bot-m">Ethan</div></div><p class="p-body-small">Bankrate Review</p></div></div></div></div></div></div></section></div><section class="section---mapbox-and-collection-list full-cta"><div class="ds24-full-cta magic-large"><h1 class="h-xxlarge text-align-center mobile-text-2-5em max-w-8em">And refinance <span class="v25-magic-g">for free.</span> For life.<sup>*</sup></h1><div class="flex-top-center col-4rem mobile-stack row-4rem"><div class="v25-cta-content-blk"><div class="v25-lrg-0">0</div><div class="v25-cc-right"><h2 class="h-small">No lending fees</h2><p class="p-body-small">Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.</p></div></div><div class="v25-cta-content-blk"><div class="v25-lrg-0">0</div><div class="v25-cc-right"><h2 class="h-small">Worry free</h2><p class="p-body-small">Buy now or refinance now and know you can lower your rate later with peace of mind.</p></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 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><a href="https://www.lower.com/details/free-refi-for-life" class="details w-inline-block"><div class="h-xsmall weight-medium no-bot-m">See full details</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/62715c72bbd46b03fb41b43d_Info.svg" loading="lazy" alt="" class="icon-small"/></a></div></section><div class="footer-wrap"><div 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data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="https://www.zillow.com/lender-profile/lower/" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Zillow</div></div></a></div></div></div></div></div><div class="ds24-footer-section last"><div class="container footer"><div><div class="v25-legal-links"><a href="/legal/license-information" class="ds24-legal medium">License</a><a href="https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1124061" class="ds24-legal medium">NMLS</a><a href="/legal/privacy-policy" class="ds24-legal medium">Privacy Policy</a><a href="/legal/california-privacy-policy" class="ds24-legal medium">California Privacy Policy</a><a href="/legal/website-terms-of-use" class="ds24-legal medium">Terms of Use</a><a href="/legal/lender-fees" class="ds24-legal medium">Lender Fees</a><a href="/legal/disclaimers" class="ds24-legal medium">Disclaimers</a><a href="/legal/sms-terms-and-conditions" class="ds24-legal medium">SMS Terms and Conditions</a><a href="/legal/sms-privacy-policy" class="ds24-legal medium">SMS Privacy Policy</a><a href="/welcome-massachusetts" class="ds24-legal medium">MA Borrowers</a><a href="http://www.lower.com/details/texas-banker-disclosure" class="ds24-legal medium">Texas Consumer Complaint</a></div><div class="v2-legal w-richtext"><p>Advertised offers are not guaranteed if you do not continue to meet Lower’s criteria and other factors bearing on your creditworthiness. 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>"you're approved" language is for illustrative purposes only. Dependent on Lower’s criteria and other factors bearing on your credit worthiness (including acceptable property collateral, income and employment history). Not all applicants will qualify.</em></p><p>Home lending products offered by Lower | NMLS #1124061 | 5950 Symphony Woods Road, Suite 312, Columbia, MD 21044 | nmlsconsumeraccess.org | equal housing opportunity</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, 4<sup>th</sup> floor, New Albany, OH 43054, NMLS #1168557. Offer not available for Washington State consumers.</p><p>Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.</p><p>Reviews: Zillow® is a trademark of Zillow, Inc. Bankrate® is a trademark of Bankrate, LLC. Lending Tree® is a trademark of Lending Tree, LLC. Google® is a trademark of Google LLC. 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