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Loan</div></div></a></div></div><div class="ds24-dropdown-link-list new-nav smaller-content"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/jumbo-loan" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f15c185886ce204131ed_HELOC.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Jumbo Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/va-loan" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f47dbd68ce867469dee7_VA-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">VA Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/fha-loan" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f32f0e43326a1fc1064e_FHA-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">FHA Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/home-equity/home-equity-loans" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f35e4a6b850916a39b1a_Home-Equity-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Home Equity Loan</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div class="ds24-dropdown-cta smaller-content"><div 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 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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 link"/><div class="link-text">Apply Now</div><div 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class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loan-officers" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6793c0ade6af6b874579bfe9_person_search@2x.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Loan Officer Directory</div></div></a></div><div class="ds24-nav-link-wrap-new-nav hide"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loan-officers" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6793c0ad42d23c59e45852c2_group@2x.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Team Directory</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/locations" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6793c0ad8263063ce2abc71d_location_on.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Branch Locations</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loan-officers" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6793c0adbd246686c578a671_map.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Search By State</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">We're here to help.</div><p class="p-body-small bot-m--5em">We are just around the corner and have the local market expertise to help you on your homebuying 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class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">care@lower.com</div></div></a></div></div><div id="w-node-a6feb4f2-3793-e931-3028-c101dd972b56-f4ff7cff"><div class="flex-v-fill-top"><div class="h-xsmall bot-m--5em">More</div><a href="/legal/license-information" class="ds24-link-block color-ash w-inline-block"><div class="link"><div class="link-text weight-book">Licenses</div></div></a><a href="https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1124061" class="ds24-link-block color-ash w-inline-block"><div class="link"><div class="link-text weight-book">NMLS</div></div></a><a href="/legal/privacy-policy" class="ds24-link-block color-ash w-inline-block"><div class="link"><div class="link-text weight-book">Privacy Policy</div></div></a><a href="/legal/california-privacy-policy" class="ds24-link-block color-ash w-inline-block"><div class="link"><div class="link-text weight-book">California Privacy Policy</div></div></a><a 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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="content-section top-of-page"><div class="content-container-large text-align-center"><div><div class="small-pill-with-text">NEW</div><div class="inline-block color-light-blue with-pill">Never pay to refinance again.*</div></div><div class="spacer-24"></div><div><h1 class="inline">Buy the house now. </h1><div class="financer-sticker-wrapper"></div><h1 class="inline">Lower your rate later.</h1></div><p class="max-600">No matter where rates are now, you win. Buy your house now, then refinance to a lower rate later. Finance once with Lower and we'll cover all lending fees on future refinances, for life.*</p><a href="https://app.lower.com/mortgage/lightspeed/purchase" class="primary-button center w-button">Get started</a></div></div><div class="content-section bottom-of-page reviews"><div class="content-container-large text-align-center"><div class="trust-pilot-flex"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6127aa50e32597e09e14fb79_trustpilot-logo.svg" loading="lazy" width="140" alt="" class="trust-pilot-logo-withtext"/><p class="body-small inline no-margin">Rated 4.8 / 5 based on 2,500+ reviews</p></div><h2 class="size-60">A better, all-digital experience.</h2></div><div class="review-columns-full"><div class="review-column-clip"><div class="review-column-container rc-col-1 w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="w-dyn-item"><div data-w-id="dacd086a-5449-b609-9fb1-8585a2c154ca" class="review-card"><div class="review-card-top"><div class="review-image-container"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/609ab3c1125bf859fc366d93_Review%20Check.svg" loading="lazy" alt="" class="review-check"/><img alt="" loading="lazy" src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a7f7c5b23cc1fb00445648_Screen%20Shot%202021-05-21%20at%202.02.58%20PM.png" sizes="(max-width: 1439px) 50px, (max-width: 1919px) 3vw, 50px" srcset="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a7f7c5b23cc1fb00445648_Screen%20Shot%202021-05-21%20at%202.02.58%20PM-p-500.png 500w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a7f7c5b23cc1fb00445648_Screen%20Shot%202021-05-21%20at%202.02.58%20PM.png 774w" class="review-image"/></div><div class="review-title-content"><div class="review-title"><div class="review-name">Dina</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5fa0575c25c153149028472d_icon_review_stars_yellow.svg" loading="lazy" alt="5 Stars!" class="review-card-stars"/></div><div class="review-title-sub">LendingTree</div></div></div><h4>Highly Recommend</h4><p class="body-small no-bottom-margin">Abby Farber, our loan advisor, was amazing! First time homebuyers and everything went smoothly. She was always available to answer any questions we had. Our first home purchase was a great experience because Abby cares and she helped us through the process</p></div></div><div role="listitem" class="w-dyn-item"><div data-w-id="dacd086a-5449-b609-9fb1-8585a2c154ca" class="review-card"><div class="review-card-top"><div class="review-image-container"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/609ab3c1125bf859fc366d93_Review%20Check.svg" loading="lazy" alt="" class="review-check"/><img alt="" loading="lazy" src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a7f7a4fada1b70357e3906_Screen%20Shot%202021-05-21%20at%202.03.43%20PM.png" sizes="(max-width: 1439px) 50px, (max-width: 1919px) 3vw, 50px" srcset="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a7f7a4fada1b70357e3906_Screen%20Shot%202021-05-21%20at%202.03.43%20PM-p-500.png 500w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a7f7a4fada1b70357e3906_Screen%20Shot%202021-05-21%20at%202.03.43%20PM.png 774w" class="review-image"/></div><div class="review-title-content"><div class="review-title"><div class="review-name">Vi</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5fa0575c25c153149028472d_icon_review_stars_yellow.svg" loading="lazy" alt="5 Stars!" class="review-card-stars"/></div><div class="review-title-sub">LendingTree</div></div></div><h4>Amazing Experience</h4><p class="body-small no-bottom-margin">I initially was only searching for a price range my fiancé and I could afford. Then immediately after filling out the information Emily from Lower contacted me and from the start she was so amazing and professional! Answered all my questions even if I repeated some! Definitely took care of everything we needed. And worked around my work schedule to contact us and let us know new details about things. Very considerate about timing and very helpful with everything! She’s amazing! Definitely would recommend her and Lower to everyone I know!</p></div></div></div></div><div class="review-column-container rc-col-2 w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="w-dyn-item"><div data-w-id="dacd086a-5449-b609-9fb1-8585a2c154dc" class="review-card"><div class="review-card-top"><div class="review-image-container"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/609ab3c1125bf859fc366d93_Review%20Check.svg" loading="lazy" alt="" class="review-check"/><img alt="" loading="lazy" src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a7f77d64267c3eb04c627e_Screen%20Shot%202021-05-21%20at%202.03.12%20PM.png" sizes="(max-width: 1439px) 50px, (max-width: 1919px) 3vw, 50px" srcset="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a7f77d64267c3eb04c627e_Screen%20Shot%202021-05-21%20at%202.03.12%20PM-p-500.png 500w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a7f77d64267c3eb04c627e_Screen%20Shot%202021-05-21%20at%202.03.12%20PM.png 732w" class="review-image"/></div><div class="review-title-content"><div class="review-title"><div class="review-name">Jill</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5fa0575c25c153149028472d_icon_review_stars_yellow.svg" loading="lazy" alt="5 Stars!" class="review-card-stars"/></div><div class="review-title-sub">LendingTree</div></div></div><h4>Easy and Saved Money</h4><p class="body-small no-bottom-margin">We worked with Ben Rosenthal to complete our mortgage contract quickly and with great satisfaction. We were most concerned about getting the best interest rate possible and with Lower.com we did, choosing them out of about five lenders we shopped. Ben also worked to direct us towards other ways to save money on closing. We appreciate needing less burdensome documentation and being able to upload all that electronically at our convenience. Ultimately the process was streamlined and simple.</p></div></div><div role="listitem" class="w-dyn-item"><div data-w-id="dacd086a-5449-b609-9fb1-8585a2c154dc" class="review-card"><div class="review-card-top"><div class="review-image-container"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/609ab3c1125bf859fc366d93_Review%20Check.svg" loading="lazy" alt="" class="review-check"/><img alt="" loading="lazy" src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a7f6d9dfb901e48f4c75f9_Screen%20Shot%202021-05-21%20at%202.02.51%20PM.png" sizes="(max-width: 1439px) 50px, (max-width: 1919px) 3vw, 50px" srcset="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a7f6d9dfb901e48f4c75f9_Screen%20Shot%202021-05-21%20at%202.02.51%20PM-p-500.png 500w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a7f6d9dfb901e48f4c75f9_Screen%20Shot%202021-05-21%20at%202.02.51%20PM.png 784w" class="review-image"/></div><div class="review-title-content"><div class="review-title"><div class="review-name">Adrian R.</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5fa0575c25c153149028472d_icon_review_stars_yellow.svg" loading="lazy" alt="5 Stars!" class="review-card-stars"/></div><div class="review-title-sub">Zillow</div></div></div><h4>Outstanding Customer Service</h4><p class="body-small no-bottom-margin">Jake and his team provided outstanding customer service we were able to close our deal in record time (19 days). Excellent feedback was also received from the title company regarding the lender.</p></div></div></div></div><div class="review-column-container rc-col-3 w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="w-dyn-item"><div data-w-id="dacd086a-5449-b609-9fb1-8585a2c154ee" class="review-card"><div class="review-card-top"><div class="review-image-container"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/609ab3c1125bf859fc366d93_Review%20Check.svg" loading="lazy" alt="" class="review-check"/><img alt="" loading="lazy" src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a7f690312e914240589a66_Screen%20Shot%202021-05-21%20at%202.03.57%20PM.png" sizes="(max-width: 767px) 100vw, (max-width: 1439px) 50px, (max-width: 1919px) 3vw, 50px" srcset="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a7f690312e914240589a66_Screen%20Shot%202021-05-21%20at%202.03.57%20PM-p-500.png 500w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a7f690312e914240589a66_Screen%20Shot%202021-05-21%20at%202.03.57%20PM.png 762w" class="review-image"/></div><div class="review-title-content"><div class="review-title"><div class="review-name">Jo</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5fa0575c25c153149028472d_icon_review_stars_yellow.svg" loading="lazy" alt="5 Stars!" class="review-card-stars"/></div><div class="review-title-sub">Zillow</div></div></div><h4>Excellent Customer Service!</h4><p class="body-small no-bottom-margin">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></div><div role="listitem" class="w-dyn-item"><div data-w-id="dacd086a-5449-b609-9fb1-8585a2c154ee" class="review-card"><div class="review-card-top"><div class="review-image-container"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/609ab3c1125bf859fc366d93_Review%20Check.svg" loading="lazy" alt="" class="review-check"/><img alt="" loading="lazy" src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a7f63d103d7ab47926db13_Screen%20Shot%202021-05-21%20at%202.03.49%20PM.png" sizes="(max-width: 767px) 100vw, (max-width: 1439px) 50px, (max-width: 1919px) 3vw, 50px" srcset="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a7f63d103d7ab47926db13_Screen%20Shot%202021-05-21%20at%202.03.49%20PM-p-500.png 500w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a7f63d103d7ab47926db13_Screen%20Shot%202021-05-21%20at%202.03.49%20PM.png 712w" class="review-image"/></div><div class="review-title-content"><div class="review-title"><div class="review-name">Aj</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5fa0575c25c153149028472d_icon_review_stars_yellow.svg" loading="lazy" alt="5 Stars!" class="review-card-stars"/></div><div class="review-title-sub">Zillow</div></div></div><h4>EXCEPTIONAL EXPERIENCE</h4><p class="body-small no-bottom-margin">Quick and Simple. These are qualities we all need when trying to accomplish a new home purchase amidst our daily obligations. Austin and his team at Lower went far beyond my expectations in assisting me with moving into my new home. I am in a customer experience line of work myself and I’m convinced Austin COULD NOT have made this any easier for me. I’ll be back for my next one!</p></div></div></div></div><div class="review-column-container rc-col-4 w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="w-dyn-item"><div data-w-id="dacd086a-5449-b609-9fb1-8585a2c15500" class="review-card"><div class="review-card-top"><div class="review-image-container"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/609ab3c1125bf859fc366d93_Review%20Check.svg" loading="lazy" alt="" class="review-check"/><img alt="" loading="lazy" src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a7f58a48840d76a55d5ce6_Profile-2-F.jpg" class="review-image"/></div><div class="review-title-content"><div class="review-title"><div class="review-name">Stephanie W.</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5fa0575c25c153149028472d_icon_review_stars_yellow.svg" loading="lazy" alt="5 Stars!" class="review-card-stars"/></div><div class="review-title-sub">Zillow</div></div></div><h4>Easiest Process and Closing Ever!!</h4><p class="body-small no-bottom-margin">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></div><div role="listitem" class="w-dyn-item"><div data-w-id="dacd086a-5449-b609-9fb1-8585a2c15500" class="review-card"><div class="review-card-top"><div class="review-image-container"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/609ab3c1125bf859fc366d93_Review%20Check.svg" loading="lazy" alt="" class="review-check"/><img alt="" loading="lazy" src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/60a2c52693704b7e45aa1e6c_Profile-6-M.jpg" class="review-image"/></div><div class="review-title-content"><div class="review-title"><div class="review-name">J.</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5fa0575c25c153149028472d_icon_review_stars_yellow.svg" loading="lazy" alt="5 Stars!" class="review-card-stars"/></div><div class="review-title-sub">Google Review</div></div></div><h4>I was approved!</h4><p class="body-small no-bottom-margin">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></div></div></div></div><div class="review-section-shadow"></div></div></div><div class="rate-section new-spot hide-for-live"><div class="content-container text-align-center"><div data-loantype="purchase" data-lender="lower" data-term="30" class="rs-wrapper rs-30-switch ratedata"><div class="info-popup-container"><div data-w-id="ea6a105f-262b-4301-1671-4b6ac2f97c09" class="info-popup"><div>Interest rate based on a $<span class="ratedata-loanamount">XXXXXX</span> loan amount with a 30-year fixed rate and <span class="ratedata-apr">X.X</span> APR and $<span class="ratedata-payment">XXX.XX</span> monthly payment at 75% loan-to-value (LTV) and <span class="ratedata-discountpoints">X</span> discount points.*</div></div></div><div class="rs-container"><h3 class="rs-label">Today's Rate</h3><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f887e21c4a86610bdd27b44_icon_info.svg" loading="lazy" width="36" data-w-id="ea6a105f-262b-4301-1671-4b6ac2f97c1b" alt="" class="rs-info"/></div><h2 class="hero-rate"><span class="ratedata-rate">5.500</span>%</h2><div data-is-ix2-target="1" class="lottie-rate-confetti" data-w-id="ea6a105f-262b-4301-1671-4b6ac2f97c20" data-animation-type="lottie" data-src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f0889281fb21fc32745a801_Lottie%20-%20Confetti.json" data-loop="0" data-direction="1" data-autoplay="0" data-renderer="svg" data-default-duration="1.4" data-duration="0" data-ix2-initial-state="0"></div></div><div data-loantype="purchase" data-lender="lower" data-term="15" class="rs-wrapper rs-15-switch ratedata"><div class="info-popup-container"><div data-w-id="ea6a105f-262b-4301-1671-4b6ac2f97c23" class="info-popup"><div>Interest rate based on a $<span class="ratedata-loanamount">XXXXXX</span> loan amount with a 15-year fixed rate and <span class="ratedata-apr">X.X</span> APR and $<span class="ratedata-payment">XXX.XX</span> monthly payment at 75% loan-to-value (LTV) and <span class="ratedata-discountpoints">X</span> discount points.*</div></div></div><div class="rs-container"><h3 class="rs-label">Today's Rate</h3><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f887e21c4a86610bdd27b44_icon_info.svg" loading="lazy" width="36" data-w-id="ea6a105f-262b-4301-1671-4b6ac2f97c35" alt="" class="rs-info"/></div><h2 class="hero-rate"><span class="ratedata-rate">4.875</span>%</h2><div data-is-ix2-target="1" class="lottie-rate-confetti" data-w-id="ea6a105f-262b-4301-1671-4b6ac2f97c3a" data-animation-type="lottie" data-src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f0889281fb21fc32745a801_Lottie%20-%20Confetti.json" data-loop="0" data-direction="1" data-autoplay="0" data-renderer="svg" data-default-duration="1.4" data-duration="0" data-ix2-initial-state="0"></div></div><div class="toggle-wrapper"><div data-w-id="b21d0492-3539-2bda-7003-538d97bbf0c6" class="toggle-container-connected first"><div class="toggle-text left">15-Year</div><div class="toggle"><div class="toggle-knob"></div></div><div class="toggle-text right">30-Year</div></div><div data-w-id="b21d0492-3539-2bda-7003-538d97bbf0cd" class="toggle-container-connected second"><div class="toggle-text left">15-Year</div><div class="toggle"><div class="toggle-knob"></div></div><div class="toggle-text right">30-Year</div></div></div><div class="spacer-32"></div><a href="https://app.lower.com/mortgage/lightspeed/purchase" class="primary-button center w-button">Get started</a></div></div><div class="content-section top-margin"><div class="content-container-large tablet-and-above-hide"><h2 class="size-60 text-center">A home loan built for you.</h2></div><div class="auto-play-lottie-container tablet-and-above-hide"><div data-w-id="270db330-07f8-0665-4d40-ebb7525e508a" data-animation-type="lottie" data-src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f8f2929420f9a84d980bfef_Lottie%20-%20Loan%20Scroll.json" data-loop="1" data-direction="1" data-autoplay="1" data-is-ix2-target="0" data-renderer="svg" data-default-duration="8.016666666666667" data-duration="0"></div></div><div class="content-container-large text-align-center mobile-hide"><div class="tab-constant"><h2 class="size-60">A home loan built for you.</h2><div class="spacer-medium"></div><a href="https://app.lower.com/mortgage/lightspeed/purchase" target="_blank" class="primary-button margin-right tag-apply w-button">Get Started</a><div class="spacer"></div></div><div data-duration-in="300" data-duration-out="100" data-current="Tab 3" data-easing="ease" class="tabs mobile-hide w-tabs"><div class="tabs-content w-tab-content"><div data-w-tab="Tab 1" class="tab-pane w-tab-pane"><div style="opacity:0;-webkit-transform:translate3d(-40PX, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-moz-transform:translate3d(-40PX, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-ms-transform:translate3d(-40PX, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);transform:translate3d(-40PX, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0)" class="property-tab-content"><div class="property-grid"><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f0dc3acad699b2a0f73aec6_image_propertytab_1.jpg" width="202" alt="Modern kitchen interior" loading="lazy" class="property-tab-image"/><div class="flex-horz-top-left"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" width="17" alt="Check mark" class="property-check"/><p class="no-margin text-left tight">First<br/>Property</p></div></div><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f0dce35e5eab91c71d8bd1b_image_propertytab_2.jpg" width="202" alt="Modern living interior" loading="lazy" class="property-tab-image"/><div class="flex-horz-top-left"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" width="17" alt="Check mark" class="property-check"/><p class="no-margin text-left tight">Second<br/>Property</p></div></div><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f0dce3540227eaa3801df7c_image_propertytab_3.jpg" width="202" alt="Modern office interior" loading="lazy" class="property-tab-image"/><div class="flex-horz-top-left"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" width="17" alt="Check mark" class="property-check"/><p class="no-margin text-left tight">Investment<br/>Property</p></div></div></div></div></div><div data-w-tab="Tab 2" class="tab-pane tab-2 w-tab-pane"><div style="opacity:0;-webkit-transform:translate3d(-40PX, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-moz-transform:translate3d(-40PX, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-ms-transform:translate3d(-40PX, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);transform:translate3d(-40PX, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0)" class="loan-tab-content"><div class="flex-horz-center-left loan-tab-mobile"><div class="loan-tab-image"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f5f88a8751a768221708590_image_loantab_opt.jpg" width="286" alt="Woman and dog inside cozy home" loading="lazy"/></div><div class="loan-options-grid"><h4 id="w-node-a0ad48d3-a1d8-f27f-73ad-90cc5b657614-96f643e9">We've got you covered</h4><div id="w-node-_46c7f682-da3f-07cb-3874-2e0670e89d54-96f643e9" class="flex-horz-top-left no-wrap"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" width="17" alt="Check mark" class="property-check"/><p class="no-margin text-left tight">Conventional</p></div><div id="w-node-_5106b1bd-ce44-8b9b-deef-edb6ea5c117c-96f643e9" class="flex-horz-top-left no-wrap"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" width="17" alt="Check mark" class="property-check"/><p class="no-margin text-left tight">Jumbo Loan</p></div><div id="w-node-_894fa983-f8e0-b31d-8638-5c887d006a26-96f643e9" class="flex-horz-top-left no-wrap"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" width="17" alt="Check mark" class="property-check"/><p class="no-margin text-left tight">FHA</p></div><div id="w-node-f49de370-f55c-15e5-a0f5-fb1b1c87c12b-96f643e9" class="flex-horz-top-left no-wrap"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" width="17" alt="Check mark" class="property-check"/><p class="no-margin text-left tight">Combo Loan</p></div><div id="w-node-_13553296-d18c-8168-bf10-effea9da127b-96f643e9" class="flex-horz-top-left no-wrap"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" width="17" alt="Check mark" class="property-check"/><p class="no-margin text-left tight">USDA</p></div><div id="w-node-ba83dd34-5b34-0486-7fa6-c5b6f9d5f5e4-96f643e9" class="flex-horz-top-left no-wrap"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" width="17" alt="Check mark" class="property-check"/><p class="no-margin text-left tight">5/5 ARM</p></div><div id="w-node-_366daf38-fe46-4433-f8b1-7391281b68ef-96f643e9" class="flex-horz-top-left no-wrap"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" width="17" alt="Check mark" class="property-check"/><p class="no-margin text-left tight">VA Loan</p></div></div></div></div></div><div data-w-tab="Tab 3" class="tab-pane tab-smaller w-tab-pane w--tab-active"><div style="opacity:0;-webkit-transform:translate3d(-40PX, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-moz-transform:translate3d(-40PX, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-ms-transform:translate3d(-40PX, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);transform:translate3d(-40PX, 0, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0)" class="term-tab-content"><div class="flex-vertical-left"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f5f893d60f6bde3e4df56df_image_termtab_opt.jpg" width="512" alt="Modern living interior" loading="lazy" class="term-tab-image"/><div class="flex-horz-top-left no-wrap"><h4 class="no-margin text-left">Fixed & Adjustable</h4><div class="term-grid"><div id="w-node-f086bfb9-0e16-c698-5563-d008a4ec2d90-96f643e9" class="flex-horz-top-left no-wrap"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" width="17" alt="Check mark" class="property-check"/><p class="no-margin text-left tight">10-Year</p></div><div id="w-node-f086bfb9-0e16-c698-5563-d008a4ec2d94-96f643e9" class="flex-horz-top-left no-wrap"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" width="17" alt="Check mark" class="property-check"/><p class="no-margin text-left tight">15-Year</p></div><div id="w-node-f086bfb9-0e16-c698-5563-d008a4ec2d98-96f643e9" class="flex-horz-top-left no-wrap"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" width="17" alt="Check mark" class="property-check"/><p class="no-margin text-left tight">20-Year</p></div><div id="w-node-f086bfb9-0e16-c698-5563-d008a4ec2d9c-96f643e9" class="flex-horz-top-left no-wrap"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" width="17" alt="Check mark" class="property-check"/><p class="no-margin text-left tight">25-Year</p></div><div id="w-node-f086bfb9-0e16-c698-5563-d008a4ec2da0-96f643e9" class="flex-horz-top-left no-wrap"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" width="17" alt="Check mark" class="property-check"/><p class="no-margin text-left tight">30-Year</p></div></div></div></div></div></div></div><div class="tabs-menu w-tab-menu"><a data-w-tab="Tab 1" data-w-id="610ababb-cf5c-18ec-1382-8e16989c58fe" class="standard-tab w-inline-block w-tab-link"><p class="opaque no-margin">01</p><div class="tab-progress-bar"><div class="tab-progress"></div></div><h3 class="size-24">Property</h3><p class="tab-secondary">From first-time homebuyer to second-and-third-time homeowner—we have an option to fit your needs.</p></a><a data-w-tab="Tab 2" data-w-id="610ababb-cf5c-18ec-1382-8e16989c5901" class="standard-tab w-inline-block w-tab-link"><p class="opaque no-margin">02</p><div class="tab-progress-bar"><div class="tab-progress"></div></div><h3 class="size-24">Loan Options</h3><p class="tab-secondary">Down payment. Credit score. Home price. They’re all important to finding the best loan option for you.</p></a><a data-w-tab="Tab 3" data-w-id="610ababb-cf5c-18ec-1382-8e16989c5904" class="standard-tab w-inline-block w-tab-link w--current"><p class="opaque no-margin">03</p><div class="tab-progress-bar"><div class="tab-progress"></div></div><h3 class="size-24">Term</h3><p class="tab-secondary">Pay less over time, or less in the short term. Whichever you choose, adjustable or fixed, we’ll make it work.</p></a></div></div></div><div class="content-container-large text-align-center mobile-show text-left"><p class="size-24 opaque">01</p><h3 class="size-24 small-margin">Property</h3><p>From first-time homebuyer to second-and-third-time homeowner—we have an option to fit your needs.</p><div class="property-grid"><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" width="18" alt="Checkmark" class="loan-check"/><p class="display-inline">First Property</p></div><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" width="18" alt="Checkmark" class="loan-check"/><p class="display-inline">Second Property</p></div><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" width="18" alt="Checkmark" class="loan-check"/><p class="display-inline">Investment Property</p></div></div></div><div class="content-container-large text-align-center mobile-show text-left"><div class="divider loan-section"></div></div><div class="content-container-large text-align-center mobile-show text-left"><p class="size-24 opaque">02</p><h3 class="size-24 small-margin">Loan Options</h3><p>Down payment. Credit score. Home price. They’re all important to finding the best loan option for you.</p><div class="property-grid _2-col"><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" width="18" alt="Checkmark" class="loan-check"/><p class="display-inline">Conventional</p></div><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" width="18" alt="Checkmark" class="loan-check"/><p class="display-inline">Jumbo Loan</p></div><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" width="18" alt="Checkmark" class="loan-check"/><p class="display-inline">FHA</p></div><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" width="18" alt="Checkmark" class="loan-check"/><p class="display-inline">Combo Loan</p></div><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" width="18" alt="Checkmark" class="loan-check"/><p class="display-inline">USDA</p></div><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" width="18" alt="Checkmark" class="loan-check"/><p class="display-inline">5/5 ARM</p></div><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" width="18" alt="Checkmark" class="loan-check"/><p class="display-inline">VA Loan</p></div></div></div><div class="content-container-large text-align-center mobile-show text-left"><div class="divider loan-section"></div></div><div class="content-container-large text-align-center mobile-show text-left"><p class="size-24 opaque">03</p><h3 class="size-24 small-margin">Term</h3><p>Pay less over time, or less in the short term. Whichever you choose, adjustable or fixed, we’ll make it work.</p><div class="property-grid _2-col"><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" width="18" alt="Checkmark" class="loan-check"/><p class="display-inline">10-year</p></div><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" width="18" alt="Checkmark" class="loan-check"/><p class="display-inline">15-year</p></div><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" width="18" alt="Checkmark" class="loan-check"/><p class="display-inline">20-year</p></div><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" width="18" alt="Checkmark" class="loan-check"/><p class="display-inline">25-year</p></div><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" width="18" alt="Checkmark" class="loan-check"/><p class="display-inline">30-year</p></div></div></div></div><div class="content-section"><div class="content-container-large text-align-center"><h1 class="text-left">Easier said—and done. The expert you’ve always wanted.</h1></div></div><div class="content-section"><div class="content-container"><div class="_5050"><div class="_6040-40-half align-left"><h2 class="margin-bottom-10">Your schedule.</h2><p class="adjust-7">Who shops for homes during bank hours? We’re here when you need us. Get connected with a Lower loan advisor, then reach out at any time. Yes, even on the weekends. </p><a href="https://app.lower.com/mortgage/lightspeed/purchase" target="_blank" class="primary-button margin-right tag-apply black w-button">Get Connected</a></div><div class="_6040-60-half mobile-first mobile-figure"><div class="lottie-scroll-triggered mobile-hide" data-w-id="ea80c89b-51bf-21e0-c264-4b313e403515" data-animation-type="lottie" data-src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/609023b581b69c193077a1fb_Lottie%20-%20Your%20Schedule%20Opt2.json" data-loop="0" data-direction="1" data-autoplay="1" data-is-ix2-target="0" data-renderer="svg" data-default-duration="3.033333333333333" data-duration="0"></div><div class="lottie-scroll-triggered tablet-and-above-hide" data-w-id="afdec81c-8c58-cb83-fe3b-aa060f5967c4" data-animation-type="lottie" data-src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/609023c6b1e5b4298f7805c2_Lottie%20-%20Your%20Schedule%20-%20Mobile%20Opt2.json" data-loop="0" data-direction="1" data-autoplay="1" data-is-ix2-target="0" data-renderer="svg" data-default-duration="3.033333333333333" data-duration="0"></div></div></div></div></div><div class="content-section"><div class="content-container"><div class="_5050"><div class="_6040-40-half align-left"><h2 class="margin-bottom-10">Your way.</h2><p class="adjust-8">Ever had a bank text you back? Us either. We’re just like you, if you were a mortgage expert. So, go ahead—text, call or email us for help.</p><a href="https://app.lower.com/mortgage/lightspeed/purchase" target="_blank" class="primary-button margin-right tag-apply black w-button">Let's do this</a></div><div class="_6040-60-half mobile-first mobile-figure"><div class="lottie-scroll-triggered mobile-hide" data-w-id="0ebb107b-8632-16e6-9fe6-175379604aa7" data-animation-type="lottie" data-src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f5f8eaded336bd6c9ff048e_Lottie%20-%20Your%20Way%20Opt.json" data-loop="0" data-direction="1" data-autoplay="1" data-is-ix2-target="0" data-renderer="svg" data-default-duration="2.0166666666666666" data-duration="0"></div><div class="lottie-scroll-triggered tablet-and-above-hide" data-w-id="2bad24f8-390d-119a-dbab-750472187d1a" data-animation-type="lottie" data-src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f9083582744f679d336ec63_Lottie%20-%20Your%20Way%20-%20Mobile.json" data-loop="0" data-direction="1" data-autoplay="1" data-is-ix2-target="0" data-renderer="svg" data-default-duration="2.0166666666666666" data-duration="0"></div></div></div></div></div><div class="content-section"><div class="content-container"><div class="_5050"><div class="_6040-40-half align-left"><h2 class="margin-bottom-10">Your place.</h2><p class="adjust-9">Apply online. Upload docs from your phone. All from wherever you are. If we need something signed, we’ll come to you—your house, apartment or work.</p><a href="https://app.lower.com/mortgage/lightspeed/purchase" target="_blank" class="primary-button margin-right tag-apply black w-button">Get Started</a></div><div class="_6040-60-half mobile-first mobile-figure"><div class="lottie-scroll-triggered" data-w-id="042ba5a7-450f-590b-b548-f734961b9d46" data-animation-type="lottie" data-src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f5f8fc09f2fe5478342d745_Lottie%20-%20Your%20Place%20Opt.json" data-loop="0" data-direction="1" data-autoplay="1" data-is-ix2-target="0" data-renderer="svg" data-default-duration="4.016666666666667" data-duration="0"></div></div></div></div></div><div class="content-section"><div class="content-container text-align-center"><div class="lottie-scroll-triggered lottie-credit" data-w-id="109bc195-69b2-b235-0e6a-2da4a356ab18" data-animation-type="lottie" data-src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f723f305cbbf02897591392_Lottie%20-%20Credit%20Score.json" data-loop="0" data-direction="1" data-autoplay="1" data-is-ix2-target="0" data-renderer="svg" data-default-duration="1.5166666666666666" data-duration="0"></div><h2 class="size-60">Shop your heart out. No credit check until you’re ready to buy. </h2><div class="spacer-small"></div><p class="body-large adjust-18">Your credit is important, so we don't do a hard pull until you're absolutely ready. (And we'll always ask for permission when we do.)</p><div class="spacer-small"></div><div class="button-container"><a href="https://app.lower.com/mortgage/lightspeed/purchase" target="_blank" class="primary-button tag-apply w-button">Get pre-qualified</a><div class="hide-for-live"><a href="/to-delete/jump-start-finance-2" class="secondary-button center w-button">Let's talk</a></div></div></div></div><div data-w-id="45af4f07-03f1-95a6-b59c-7faec048109d" class="prequalify-section"><div class="prequalify-semi"><h2>Look around. See what you like.</h2><p>With Lower, you can speak with a loan advisor without it impacting your credit. We’ll do a soft, non-impact credit check to get you started, and a hard pull only when you’re ready.</p><a href="https://app.lower.com/mortgage/lightspeed/purchase" target="_blank" class="primary-button margin-right tag-apply black w-button">Get pre-qualified</a></div><div class="prequalify-full-half"><div class="prequalify-visual-container"><div data-w-id="30e11072-a018-2d28-76c2-4bd647dfb53d" class="_5050-half prequalify"><div class="prequalify-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f10558515127923ddcd49ec_image__prequalifycard_1.jpg" width="279" alt="Modern home interior | yellow chair, living space" class="prequalify-card-image"/><h3 class="size-24 no-margin prequalify">$1,750 / mo.</h3><p class="body-small prequalify">4bd | 3ba | 2,210 sqft</p></div><div class="prequalify-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f105585fb4ce4d04733b90f_image__prequalifycard_3.jpg" width="279" alt="Modern home interior | Bathroom, brick, sunlight" class="prequalify-card-image"/><h3 class="size-24 no-margin prequalify">$1,750 / mo.</h3><p class="body-small">4bd | 3ba | 2,210 sqft</p></div></div><div data-w-id="26b05f95-afe3-8d9b-9a8e-e238ca64d5a8" class="_5050-half prequalify home-example-hide"><div class="spacer-large"></div><div class="prequalify-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f105585448888724202908d_image__prequalifycard_2.jpg" width="279" alt="Modern home interior | bedroom, greenery, mirror" class="prequalify-card-image"/><h3 class="size-24 no-margin prequalify">$1,210 / mo.</h3><p class="body-small">4bd | 3ba | 2,210 sqft</p></div><div class="prequalify-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f10558509b75e77d81c5bf6_image__prequalifycard_4.jpg" width="276" alt="Modern home interior | stairs and sunlight" class="prequalify-card-image"/><h3 class="size-24 no-margin">$1,750 / mo.</h3><p class="body-small">4bd | 3ba | 2,210 sqft</p></div></div></div></div></div><div class="fade-container post-save"><div class="fade"></div></div><div class="content-section _70vh"><div class="content-container text-align-center"><h1>Buy home. Get more.<br/></h1><div class="button-container"><a href="https://app.lower.com/mortgage/lightspeed/purchase" target="_blank" class="primary-button tag-apply w-button">Let’s get started</a><div class="hide-for-live"><a href="/to-delete/jump-start-finance-2" class="secondary-button center w-button">Talk to an expert</a><link rel="prefetch" href="/to-delete/jump-start-finance-2"/></div></div></div></div><div class="content-section bottom-of-page"><div class="content-container"><div class="faq-feature-grid"><a href="https://www.lower.com/blog-post/51-the-housing-market-is-competitive-heres-how-to-navigate-it-and-win-out" class="featured-faq w-inline-block"><h3>How to Win in Today's Competitive Housing Market</h3><div class="text-link"><div class="text-link-text">See the steps</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5efc961188b5e0a27dc82918_arrow_link.svg" alt="" class="text-link-arrow"/></div></a><a href="https://www.lower.com/blog-post/52-what-goes-into-a-mortgage-payment-and-can-i-afford-it" class="featured-faq w-inline-block"><h3>What Goes Into a Mortgage Payment & Can I Afford it?</h3><div class="text-link"><div class="text-link-text">Let's take a look</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5efc961188b5e0a27dc82918_arrow_link.svg" alt="" class="text-link-arrow"/></div></a></div><div class="spacer"></div><div class="_5050-faq-grid"><a href="https://www.lower.com/blog-post/your-fha-loan-application-10-things-to-remember" class="faq w-inline-block"><div class="body-large weight-medium">Application Basics & Homebuyer Tips</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5efc961188b5e0a27dc82918_arrow_link.svg" alt="Link arrow" class="faq-arrow"/></a><a href="https://www.lower.com/blog-post/no-frills-list-of-documents-needed-for-mortgage-applications" class="faq w-inline-block"><div class="body-large weight-medium">Documents You'll Need To Gather</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5efc961188b5e0a27dc82918_arrow_link.svg" alt="Link arrow" class="faq-arrow"/></a><div id="w-node-f797c37f-13e6-a5aa-192c-a89b95325e9c-96f643e9" class="divider"></div><div class="divider"></div><a href="https://www.lower.com/blog-post/a-list-home-buying-tips-you-dont-want-to-miss" class="faq w-inline-block"><div class="body-large weight-medium">A-List Home-Buying Tips</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5efc961188b5e0a27dc82918_arrow_link.svg" alt="Link arrow" class="faq-arrow"/></a><div id="w-node-f797c37f-13e6-a5aa-192c-a89b95325eba-96f643e9" class="divider desktop-hide"></div><a href="https://www.lower.com/blog-post/renting-vs-owning-the-biggest-differences-and-how-they-compare" class="faq w-inline-block"><div class="body-large weight-medium">Renting vs. Owning: Key Differences </div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5efc961188b5e0a27dc82918_arrow_link.svg" alt="Link arrow" class="faq-arrow"/></a></div></div></div><div class="footer-wrap"><div class="bot-fade"></div><div class="section---mapbox-and-collection-list full-cta"></div><div class="ds24-footer-section"><div class="container footer"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6758a8acb8146ea1c6db1323_logo-lower.svg" loading="lazy" alt="" class="v2-lower-logo"/><div class="flex-h-center-left col-1rem"><div>Been here before?</div><a data-w-id="642020ed-9f24-57c6-cb14-4c46b493e5e0" href="https://home.lower.com/login" class="v2-text-link w-inline-block"><div class="v2-text-link-text">Log in</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64db87d9728932d8b70b33c2_icon-login.svg" loading="lazy" alt="Log in Icon" class="v25-login-icon"/></a></div></div></div><div class="ds24-footer-section"><div class="container footer links"><div 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data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="https://www.linkedin.com/company/lower/" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">LinkedIn</div></div></a><a 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>*This offer is not guaranteed if you do not continue to meet Lower’s criteria and other factors bearing on your credit worthiness (including acceptable property collateral, income and employment history). Not all applicants will qualify for the rate and monthly payment shown. Monthly payments do not include property taxes, property insurance, and homeowners association dues. Your exact loan's interest rate and payments will depend upon the term of your loan, your credit history, and other qualifying factors. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Lower’s underwriting and Investor requirements. Loans valid for the refinance or purchase of an owner-occupied residence. Loan amounts must be at or under conforming loan limits within your state and county. Rate subject to change depending time of rate lock. Call 844-645-6937 for exact details and qualifying information.</em></p><p>Free Refi for Life: Offer not valid for subordinate simultaneous closings and only applicable for first lien mortgage loans. Offer exclusively waives Lower retained fees, to include: origination, underwriting, processing, or 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. All applications are subject to underwriting and credit approval. Other restrictions may apply. Call for complete details. Offer not valid at other locations other than 5950 Symphony Woods Road, Suite 301, Columbia, MD 21044 and NMLS Branch ID 1668557 | 8131 Smith’s Mill Road, New Albany, OH<br/><br/>Not applicable for Washington State Consumers.</p></div><div class="v25-legal-final"><div class="flex-h-center-left col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5ef508d34c1d0626daa06fa4_icon_equalHousingLender.svg" loading="lazy" alt="Equal Housing Lender Icon" class="icon-small ehl-edit"/><div class="ds24-legal v25-ehl-text"> EQUAL HOUSING OPPORTUNITY</div></div><div class="ds24-legal ash medium">NMLS ID #1124061</div><div class="ds24-legal ash medium last">Copyright © <span data-current-year="1">2024</span> Lower, LLC. 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