CINXE.COM

<!DOCTYPE html><html data-wf-domain="www.lower.com" data-wf-page="67327c296daf0a8a7d44895c" data-wf-site="5ef3b440084a4e99e1ef10f9" lang="en"><head><meta charset="utf-8"/><title>Rate-Term Refinancing | Mortgage Refinance Rates | Lower.com</title><meta content="Explore competitive refinance mortgage rates at Lower. Our rate-term mortgage refinance options help you lower payments or lock in better terms with ease." name="description"/><meta content="Rate-Term Refinancing | Mortgage Refinance Rates | Lower.com" property="og:title"/><meta content="Explore competitive refinance mortgage rates at Lower. Our rate-term mortgage refinance options help you lower payments or lock in better terms with ease." property="og:description"/><meta content="Rate-Term Refinancing | Mortgage Refinance Rates | Lower.com" property="twitter:title"/><meta content="Explore competitive refinance mortgage rates at Lower. Our rate-term mortgage refinance options help you lower payments or lock in better terms with ease." property="twitter:description"/><meta property="og:type" content="website"/><meta content="summary_large_image" name="twitter:card"/><meta content="width=device-width, initial-scale=1" name="viewport"/><meta content="VLmeICzuKLHMs4FROXPzcYoxpPt8_1J8KxMe449miiU" name="google-site-verification"/><meta content="Webflow" name="generator"/><meta content="noindex" name="robots"/><link href="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/css/lower-redesign.webflow.1184b0fb8.min.css" rel="stylesheet" type="text/css"/><script type="text/javascript">!function(o,c){var n=c.documentElement,t=" w-mod-";n.className+=t+"js",("ontouchstart"in o||o.DocumentTouch&&c instanceof DocumentTouch)&&(n.className+=t+"touch")}(window,document);</script><link href="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f344182a5baeb7f28f3d827_Lower%20Favicon%2032.png" rel="shortcut icon" type="image/x-icon"/><link href="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f3441869613926f2f1fae7a_Lower%20Favicon%20256.png" rel="apple-touch-icon"/><script type="text/javascript">!function(f,b,e,v,n,t,s){if(f.fbq)return;n=f.fbq=function(){n.callMethod?n.callMethod.apply(n,arguments):n.queue.push(arguments)};if(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version='2.0';n.agent='plwebflow';n.queue=[];t=b.createElement(e);t.async=!0;t.src=v;s=b.getElementsByTagName(e)[0];s.parentNode.insertBefore(t,s)}(window,document,'script','https://connect.facebook.net/en_US/fbevents.js');fbq('init', '1364308153908986');fbq('track', 'PageView');</script> <script> !function(t,e){var o,n,p,r;e.__SV||(window.posthog=e,e._i=[],e.init=function(i,s,a){function g(t,e){var o=e.split(".");2==o.length&&(t=t[o[0]],e=o[1]),t[e]=function(){t.push([e].concat(Array.prototype.slice.call(arguments,0)))}}(p=t.createElement("script")).type="text/javascript",p.async=!0,p.src=s.api_host+"/static/array.js",(r=t.getElementsByTagName("script")[0]).parentNode.insertBefore(p,r);var u=e;for(void 0!==a?u=e[a]=[]:a="posthog",u.people=u.people||[],u.toString=function(t){var e="posthog";return"posthog"!==a&&(e+="."+a),t||(e+=" (stub)"),e},u.people.toString=function(){return u.toString(1)+".people (stub)"},o="capture identify alias people.set people.set_once set_config register register_once unregister opt_out_capturing has_opted_out_capturing opt_in_capturing reset isFeatureEnabled onFeatureFlags getFeatureFlag getFeatureFlagPayload reloadFeatureFlags group updateEarlyAccessFeatureEnrollment getEarlyAccessFeatures getActiveMatchingSurveys getSurveys".split(" "),n=0;n<o.length;n++)g(u,o[n]);e._i.push([i,s,a])},e.__SV=1)}(document,window.posthog||[]); posthog.init('phc_Tdpyq98w8dKN5OeFOTxyNN3nhtOTzDfC6N63HNNKTd1',{api_host:'https://app.posthog.com'}) </script>  <meta name='zd-site-verification' content='szr1r2ln4afpwc6kendeh' />  <script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer','GTM-5LQVTCM');</script>   <script async>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer','GTM-NQJWSQ5');</script>   <script> (function(h,o,u,n,d) { h=h[d]=h[d]||{q:[],onReady:function(c){h.q.push(c)}} d=o.createElement(u);d.async=1;d.src=n n=o.getElementsByTagName(u)[0];n.parentNode.insertBefore(d,n) })(window,document,'script','https://www.datadoghq-browser-agent.com/datadog-rum-v4.js','DD_RUM') DD_RUM.onReady(function() { DD_RUM.init({ clientToken: 'pub0880f74ae040e854754a95b279e3c221', applicationId: '07964da4-000e-48d6-8ac1-450499f6698c', site: 'us3.datadoghq.com', service: 'lower.com', env: 'production', sampleRate: 100, premiumSampleRate: 100, trackInteractions: true, defaultPrivacyLevel: 'mask-user-input', }); DD_RUM.startSessionReplayRecording(); }) </script>   <script async src="https://www.googletagmanager.com/gtag/js?id=AW-774082936"></script> <script> window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} gtag('js', new Date()); gtag('config', 'AW-774082936'); gtag('config', 'UA-130949919-2'); </script> <style> @media (max-width: 767px) { .learn-post h4, .learn-main__block h3 { display: -webkit-box; -webkit-line-clamp: 3; -webkit-box-orient: vertical; overflow: hidden; text-overflow: ellipsis; } } .learn-post__info h4 { text-wrap: auto; } </style> </head><body class="lower-body"><div class="ds24-nav"><div class="ds24-nav-content-desktop"><div class="ds24-nav-left"><a href="/" class="ds24-nav-logo-link w-inline-block"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6758a8acb8146ea1c6db1323_logo-lower.svg" loading="lazy" alt="" class="ds24-nav-logo"/></a></div><div id="header-menu" class="ds24-nav-mid-new"><div class="ds24-nav-link-container"><div class="ds24-nav-link"><div class="ds24-nav-link-content"><div id="home_equity_link_text" class="link-text dropdown new-nav">Tap into home equity</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="icon-xsmall"/></div><div class="ds24-link-dropdown-wrap new-nav center-align"><div class="ds24-link-dropdown new-nav"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow use-my center-align"/><div class="ds24-dropdown-link-list new-nav"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/home-equity/heloc" 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">HELOC</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/5ef3b440084a4e99e1ef10f9/6727f0f3636cdda726faa4d2_Learn-About-Refinancing.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Home Equity Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/home-equity/cash-out-refinance" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f1930e43326a1fbfd85b_Cash-Out-Refinance.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Cash-Out-Refinance</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/home-equity" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f20db3a3615fe8609de4_Learn-About-Using-Home-Equity.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Learn About Using Home Equity</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div class="ds24-dropdown-cta smaller-content"><div class="ds24-dropdown-cta-content"><div class="h-xsmall bot-m--25em">Ready to tap into your home's equity?</div><p class="p-body-small bot-m--5em">Access funds for renovations, debt consolidation, or big goals with ease.</p></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/purchase" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div><a href="/home-equity" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link"><div data-w-id="75cb73af-5095-b907-ba2f-cffcf3091232" class="ds24-nav-link-content"><div class="link-text dropdown new-nav">Buy a Home</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="icon-xsmall"/></div><div class="ds24-link-dropdown-wrap new-nav center-align"><div class="ds24-link-dropdown new-nav"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow buy-a-home center-align"/><div class="ds24-dropdown-link-list new-nav"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/finance" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727efa4cfac7bdc9c40f1d5_Learn-About-Buying-A-Home.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Learn About Buying A Home</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div class="ds24-dropdown-cta"><div class="ds24-dropdown-cta-content"><div class="h-xsmall bot-m--25em">Ready to buy your dream home?</div><p class="p-body-small bot-m--5em">Our process is simple and hassle-free. Let’s make homeownership a reality.</p></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/purchase" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div><a href="/finance" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link"><div class="ds24-nav-link-content"><div class="link-text dropdown new-nav">Lower My Rate</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="icon-xsmall"/></div><div class="ds24-link-dropdown-wrap new-nav center-align"><div class="ds24-link-dropdown new-nav"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow lower-my-rate center-align"/><div class="ds24-dropdown-link-list new-nav"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/refinance/rate-refinance" aria-current="page" class="ds24-link-block new-nav w-inline-block w--current"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f0c77344b7e751843f91_Rate-Term-Refinance.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Rate-Term Refinance<br/></div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/lower-my-rate" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f0f3636cdda726faa4d2_Learn-About-Refinancing.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Learn About Refinancing</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div class="ds24-dropdown-cta"><div class="ds24-dropdown-cta-content"><div class="h-xsmall bot-m--25em">Looking to refinance?</div><p class="p-body-small bot-m--5em">Simplify the process and save with competitive rates tailored to your goals.</p></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/purchase" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div><a href="/lower-my-rate" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link"><div class="ds24-nav-link-content"><div class="link-text dropdown new-nav">All Loan Options</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="icon-xsmall"/></div><div class="ds24-link-dropdown-wrap new-nav center-align"><div class="ds24-link-dropdown new-nav"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow all-loan-options center-align"/><div class="ds24-dropdown-link-list new-nav"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/conventional-home-loans" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f0c77344b7e751843f91_Rate-Term-Refinance.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Conventional Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/adjustable-rate-mortgage" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f30ea740db51da7a37b1_Adjustable-Rate-Mortgage.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Adjustable-Rate Mortgage</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/home-improvement-loans" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f4a1314ab914c1880c0a_USDA-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Home Improvement Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/debt-consolidation-loans" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f4b89ee5cba2b8e35338_DSCR-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Debt Consolidation Loan</div></div></a></div></div><div class="ds24-dropdown-link-list new-nav smaller-content"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/jumbo-loan" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f15c185886ce204131ed_HELOC.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Jumbo Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/va-loan" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f47dbd68ce867469dee7_VA-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">VA Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/fha-loan" 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 you with the right loan to bring homeownership within reach.</p></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/purchase" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div><a href="/all-loans" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link"><div class="ds24-nav-link-content"><div class="link-text dropdown new-nav">Learning Center</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="icon-xsmall"/></div><div class="ds24-link-dropdown-wrap new-nav center-align"><div class="ds24-link-dropdown new-nav"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow learning-center center-align"/><div class="ds24-dropdown-link-list new-nav"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/learn/homebuying-resources" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f5490e43326a1fc29d5f_Homebuying-Resources.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Homebuying Resources</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/learn/refinancing-resources" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f0f3636cdda726faa4d2_Learn-About-Refinancing.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Refinancing Resources</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/learn/home-equity-resources" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f5951189a5d1e3feabbc_Home-Equity-Resources.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Home Equity Resources</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/learn/industry-news" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f5b7636cdda726fe332a_Industry-News.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Industry News</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div class="ds24-dropdown-cta smaller-content"><div class="ds24-dropdown-cta-content"><div class="h-xsmall bot-m--25em">Ready to see your loan options?</div><p class="p-body-small bot-m--5em">We offer expert guidance every step of the way.</p></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/purchase" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div><a href="/learn" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link"><div class="ds24-nav-link-content"><div class="link-text dropdown new-nav">Loan Officers</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="icon-xsmall"/></div><div class="ds24-link-dropdown-wrap new-nav center-align"><div class="ds24-link-dropdown new-nav"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow learning-center center-align"/><div class="ds24-dropdown-link-list new-nav"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/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 journey.</p></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/purchase" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div><a href="/loan-officers" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link login tablet-show"><div class="ds24-nav-link-content"><div class="link-text dropdown">Login</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/641caad56ced66378732c722_v2-icon-text-link-arrow.svg" loading="lazy" alt="" class="icon-xsmall desktop-hide"/></div><div class="ds24-link-dropdown-wrap"><div class="ds24-link-dropdown"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow"/><div class="ds24-dropdown-link-list"><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="https://home.lower.com/login" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">My account</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="https://lower.secureconduit.net/login" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Make a payment</div></div></a></div></div><div class="ds24-divider-h"></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed" 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">Get started</div></div></a></div></div></div></div></div></div><div class="ds24-nav-right"><div id="login-menu" class="ds24-nav-link login tablet-hide"><div class="ds24-nav-link-content"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="icon-xsmall desktop-hide"/><div class="link-text dropdown">Login</div></div><div class="ds24-link-dropdown-wrap new-nav right-align sub-nav"><div class="ds24-link-dropdown new-nav sub-nav"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow login"/><div class="ds24-dropdown-link-list new-nav login sub-nav"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="https://home.lower.com/login?_gl=1*r9b4gj*_gcl_au*NzU1ODg2OTczLjE3MzA5MTY2NDM.*_ga*MTQ1ODgxNjkzLjE3Mjc3MjAzNDc.*_ga_RV47VVZRP7*MTczMDkxNzMyNi4xNy4xLjE3MzA5MTc1MjcuMC4wLjA" target="_blank" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f6fdabc7c8db8f915874_My-Account.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">My Account</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="https://lower.secureconduit.net/login" target="_blank" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f0f3636cdda726faa4d2_Learn-About-Refinancing.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Make a Payment</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="#" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f741ee0cc21fdf14eba0_Upload-Documents.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Upload Documents</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div class="ds24-dropdown-cta smaller-content login"><div class="ds24-dropdown-cta-content"><div class="h-xsmall bot-m--25em">Already a customer?</div><p class="p-body-small bot-m--5em">Access your account to manage your application or loan.</p></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/purchase" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div></div><div data-w-id="d1031643-f640-7ffe-6cac-22d5fef47181" class="ds24-call-wrap"><div data-w-id="d1031643-f640-7ffe-6cac-22d5fef47182" class="ds24-call first"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f87c8b2e764bb2fe69961_icon-phone.svg" loading="lazy" alt="Phone Icon" class="small-icon first phone-icon"/><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65708320751d3318c72d27db_icon-close-x-blue.svg" loading="lazy" alt="Close Icon" class="small-icon second phone-icon"/><div class="call-dot"></div></div><div data-w-id="d1031643-f640-7ffe-6cac-22d5fef47186" class="ds24-call second"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f87c8b2e764bb2fe69961_icon-phone.svg" loading="lazy" alt="Phone Icon" class="small-icon first phone-icon"/><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65708320751d3318c72d27db_icon-close-x-blue.svg" loading="lazy" alt="Close Icon" class="small-icon second phone-icon"/><div class="call-dot"></div></div><div class="ds24-link-dropdown-wrap phone-call"><div class="ds24-link-dropdown phone-call"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow"/><div><div class="h-xsmall bot-m--25em">Ready to get started?</div><p class="p-body-small bot-m--5em">Reach out and give us a call. We’re here to help.</p><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="tel:18885098301" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f87c8b2e764bb2fe69961_icon-phone.svg" loading="lazy" alt="Phone Icon" class="small-icon link"/><div class="link-text">(888) 509-8301</div></div></a></div></div><div class="ds24-divider-h"></div><div><div class="h-xsmall bot-m--25em top-m--5em">Need support?</div><p class="p-body-small bot-m--5em">Have questions about your current product? Give us a call and we’ll sort it out.</p><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="tel:18339202273" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f87c8b2e764bb2fe69961_icon-phone.svg" loading="lazy" alt="Phone Icon" class="small-icon link"/><div class="link-text">(833) 920-2273</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="/care" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6570beb3ae3f9a5b42da9323_icon-help-chat.svg" loading="lazy" alt="Support Icon" class="small-icon link"/><div class="link-text">Support Team</div></div></a></div></div></div></div></div><a data-w-id="eb389ffc-6cd9-aa1d-9587-2797e5b8dfb9" href="https://app.lower.com/mortgage/lightspeed" class="button nav blue-10 w-inline-block"><div class="button-content"><div class="mobile-hide">Get started</div><div class="mobile-show">Apply</div></div></a><div id="menu-icon" data-w-id="88a2bd11-fe72-1273-7915-f0419d8a648e" class="ds24-menu-wrap first"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65708435d063c9d2cdf57cbf_icon-menu.svg" loading="lazy" id="nav-open" alt="Menu Icon" class="small-icon first menu"/><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/657084a3f44f8c0f3147ac18_icon-close-x-smoke.svg" loading="lazy" id="nav-close" alt="Close Icon" class="small-icon second menu"/></div><div data-w-id="06711934-31e0-1e05-c179-e507c9873248" class="ds24-menu-wrap second"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65708435d063c9d2cdf57cbf_icon-menu.svg" loading="lazy" id="nav-open" alt="Menu Icon" class="small-icon first menu"/><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/657084a3f44f8c0f3147ac18_icon-close-x-smoke.svg" loading="lazy" id="nav-close" alt="Close Icon" class="small-icon second menu"/></div></div></div><div class="ds24-nav-expand"><div class="ds24-nav-expand-top"><div class="ds24-nav-link-container-mobile"><div class="ds24-nav-link"><div class="ds24-nav-link-content"><a href="/finance" class="link-block-2 w-inline-block"><div class="link-text dropdown">Buy a home</div></a><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" data-w-id="f87e2d30-f969-ef11-8c86-86ce233e2b6f" alt="" class="icon-xsmall desktop-hide"/><div class="ds24-link-dropdown-wrap"><div class="ds24-link-dropdown"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow"/><div class="ds24-dropdown-link-list"><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/finance" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Learn About Buying A Home</div></div></a></div></div><div class="ds24-divider-h"></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/purchase" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div></div></a></div></div></div></div><a href="/finance" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link"><div class="ds24-nav-link-content"><a href="/lower-my-rate" class="w-inline-block"><div class="link-text dropdown">Lower My Rate</div></a><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" data-w-id="97796c2a-ab80-be54-fa53-d8eab00d2130" alt="" class="icon-xsmall desktop-hide"/><div class="ds24-link-dropdown-wrap"><div class="ds24-link-dropdown"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow"/><div class="ds24-dropdown-link-list"><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/refinance/rate-refinance" aria-current="page" class="ds24-link-block w-inline-block w--current"><div class="link"><div class="link-text">Rate-Term Refinance</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/lower-my-rate" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Learn About Refinancing</div></div></a></div></div><div class="ds24-divider-h"></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/refinance" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div></div></a></div></div></div></div><a href="/refinance" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link"><div class="ds24-nav-link-content"><a href="/home-equity" class="w-inline-block"><div class="link-text dropdown">Tap into home equity</div></a><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" data-w-id="71790b80-00af-6923-c680-3114c18cbc25" alt="" class="icon-xsmall desktop-hide"/><div class="ds24-link-dropdown-wrap"><div class="ds24-link-dropdown"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow"/><div class="ds24-dropdown-link-list"><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/home-equity/heloc" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">HELOC</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/home-equity/home-equity-loans" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Home Equity Loan</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/home-equity/cash-out-refinance" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Cash-Out-Refinance</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/home-equity" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Learn About Using Home Equity</div></div></a></div></div><div class="ds24-divider-h"></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/heloc" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div></div></a></div></div></div></div><a href="/heloc" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link"><div class="ds24-nav-link-content"><a href="/all-loans" class="w-inline-block"><div class="link-text dropdown">All Loan Options</div></a><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" data-w-id="ef701bfb-c861-b254-5bd2-d1e87433f2f1" alt="" class="icon-xsmall desktop-hide"/><div class="ds24-link-dropdown-wrap"><div class="ds24-link-dropdown"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow"/><div class="ds24-dropdown-link-list"><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/loans/conventional-home-loans" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Conventional Loan</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/loans/adjustable-rate-mortgage" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Adjustable-Rate Mortgage</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/loans/home-improvement-loans" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Home Improvement Loan</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/loans/debt-consolidation-loans" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Debt Consolidation Loan</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/loans/jumbo-loan" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Jumbo Loan</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/loans/va-loan" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">VA Loan</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/loans/fha-loan" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">FHA Loan</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/home-equity/home-equity-loans" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Home Equity Loan</div></div></a></div></div><div class="ds24-divider-h"></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/heloc" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div></div></a></div></div></div></div><a href="/heloc" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link"><div class="ds24-nav-link-content"><a href="/learn" class="w-inline-block"><div class="link-text dropdown">Learning Center</div></a><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" data-w-id="d7b64374-4008-9e51-a518-f604a2eac508" alt="" class="icon-xsmall desktop-hide"/><div class="ds24-link-dropdown-wrap"><div class="ds24-link-dropdown"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow"/><div class="ds24-dropdown-link-list"><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/learn/homebuying-resources" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Homebuying Resources</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/learn/refinancing-resources" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Refinancing Resources</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/learn/home-equity-resources" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Home Equity Resources</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/learn/industry-news" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Industry News</div></div></a></div></div><div class="ds24-divider-h"></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/heloc" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div></div></a></div></div></div></div><a href="/learn-old" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link"><div class="ds24-nav-link-content"><a href="/loan-officers" class="w-inline-block"><div class="link-text dropdown">Loan Officers</div></a><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" data-w-id="2450994b-7af3-6dfc-c45e-c4f62292a898" alt="" class="icon-xsmall desktop-hide"/><div class="ds24-link-dropdown-wrap"><div class="ds24-link-dropdown"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow"/><div class="ds24-dropdown-link-list"><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/loan-officers" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Loan Officer Directory</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/locations" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Branch Locations</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/loan-officers" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Search By State</div></div></a></div></div><div class="ds24-divider-h"></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/heloc" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div></div></a></div></div></div></div><a href="/learn-old" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link login tablet-show"><div class="ds24-nav-link-content"><div class="link-text dropdown">Login</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" data-w-id="9d7a70d4-4703-cba9-e93a-d05220f1d707" alt="" class="icon-xsmall desktop-hide"/><div class="ds24-link-dropdown-wrap"><div class="ds24-link-dropdown"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow"/><div class="ds24-dropdown-link-list"><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="https://home.lower.com/login" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">My account</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="https://lower.secureconduit.net/login" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Make a payment</div></div></a></div></div><div class="ds24-divider-h"></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed" 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">Get started</div></div></a></div></div></div></div></div></div><div class="flex-v-center max-w-25em m-auto"><div class="p-body-medium color-ash">Don't know where to start?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Get started here</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="ds24-nav-expand-bot"><a data-w-id="a6feb4f2-3793-e931-3028-c101dd972b36" href="https://www.lower.com/blog-post/first-time-homebuyers-this-guide-is-for-you" class="content-card small w-inline-block"><div class="cc-content small"><h3 class="h-small max-w-12em no-bot-m">New to home ownership?</h3><div data-w-id="a6feb4f2-3793-e931-3028-c101dd972b3a" class="ds24-link-block color-white"><div class="link"><div class="link-text">Start here</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></div></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6570a057f226309678790892_nav-content-img-firsttime-opt.jpg" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6570a057f226309678790892_nav-content-img-firsttime-opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6570a057f226309678790892_nav-content-img-firsttime-opt.jpg 754w" alt="A cute suburban home." class="bkg-image"/><div class="cc-fade"></div></a><div class="ds24-nav-tertiary-links"><div id="w-node-a6feb4f2-3793-e931-3028-c101dd972b43-f4ff7cff" class="flex-v-fill-top row-1-5em"><div class="flex-v-fill-top"><div class="h-xsmall bot-m--5em">Quick Links</div><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://home.lower.com/login" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Login</div></div></a><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://lower.secureconduit.net/login" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Make a payment</div></div></a><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="/faqs" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">FAQs</div></div></a><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Get started</div></div></a></div><div class="flex-v-fill-top"><div class="h-xsmall bot-m--5em">Care Team</div><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="tel:18339202273" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">1 (833) 920-2273</div></div></a><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="mailto:care@lower.com" 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 href="/legal/website-terms-of-use" class="ds24-link-block color-ash w-inline-block"><div class="link"><div class="link-text weight-book">Terms of Use</div></div></a><a href="/legal/lender-fees" class="ds24-link-block color-ash w-inline-block"><div class="link"><div class="link-text weight-book">Lender Fees</div></div></a><a href="/legal/disclaimers" class="ds24-link-block color-ash w-inline-block"><div class="link"><div class="link-text weight-book">Disclaimers</div></div></a><a href="/legal/sms-terms-and-conditions" class="ds24-link-block color-ash w-inline-block"><div class="link"><div class="link-text weight-book">SMS Terms and Conditions</div></div></a><a href="/legal/sms-privacy-policy" class="ds24-link-block color-ash w-inline-block"><div class="link"><div class="link-text weight-book">SMS Privacy Policy</div></div></a></div></div></div></div></div><div class="nav-ab-test w-embed w-script"><script> //Navigation - My Home Equity Menu text AB testing /* posthog.onFeatureFlags(() => { 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-callout bkg-green-12"><div class="container xsmall"><div class="tc-flex"><div class="tc-left-content"><h1 class="h-xsmall no-bot-m line-height-1-6em">Top Mortgage Lender</h1><p class="p-body-small">Trustpilot 4.8/5 based on 2,500+ reviews</p></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65563aa75d2e044b0899ff0b_logo-tp-centered.svg" loading="lazy" alt="" class="mobile-hide"/></div></div></div><div class="section---mapbox-and-collection-list page-top"><div class="container"><div class="split"><div class="split-content split-large"><h1 class="h-small color-lightblue bot-m-1-5em product"><strong>Rate/Term Refinance</strong></h1><h2 class="h-xlarge product">Refinance to pay less per month or less over time.</h2><p class="p-body-medium bot-m-2em product">With competitive refinance mortgage rates, Lower makes it easy to find the perfect option to save money and pay off your home faster.</p><div class="flex-v-left-center row-1em mobile-center"><a data-w-id="ad378c5f-a150-3ec6-0d96-05336c6720dd" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Apply in 3 minutes</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a><div class="flex-h-center-left col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514447527eae785dc9b8b91_icon-lock-smoke.svg" loading="lazy" alt="Lock Icon" class="icon-medium"/><div class="h-xsmall weight-medium color-smoke no-bot-m">No-impact credit check.</div></div></div></div><div class="split-content split-small"><div class="landing-img-container"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737a64a9ab0eec822f6f0c1_Rate-Term.jpg" loading="lazy" sizes="(max-width: 479px) 100vw, (max-width: 767px) 90vw, (max-width: 991px) 36vw, (max-width: 1279px) 30vw, (max-width: 1919px) 350px, 18vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737a64a9ab0eec822f6f0c1_Rate-Term-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737a64a9ab0eec822f6f0c1_Rate-Term-p-800.jpg 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737a64a9ab0eec822f6f0c1_Rate-Term.jpg 1024w" alt="" class="img-fill radius-large"/><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737a5848e772eb284990e73_Rate-Term-Refi-Sm.png" loading="lazy" width="176" alt="" class="landing-img-float"/><div class="landing-detail-wrap"><div class="landing-detail-float"><div class="button-emoji">💸</div><div>Save More Per Month</div></div></div></div></div></div></div></div><div class="section---mapbox-and-collection-list"><div class="container text-align-center"><div class="container xsmall text-align-center"><h2 class="h-small color-lightblue bot-m-1-5em">Rate/Term Refinance Benefits</h2><h2 id="thats-more" class="h-large">Maximize savings with a rate/term refinance.</h2><p class="p-body-small m-center">Refinancing to a lower rate or shorter term can save you thousands over time. Take control of your mortgage with options that fit your financial goals.</p></div><div class="feature-grid"><div class="feature-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" alt="Checkmark" class="icon-xsmall"/><div>Lower your interest rate and save</div></div><div class="feature-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" alt="Checkmark" class="icon-xsmall"/><div>Reduce your monthly payments</div></div><div class="feature-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" alt="Checkmark" class="icon-xsmall"/><div>Pay off your mortgage sooner</div></div><div class="feature-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" alt="Checkmark" class="icon-xsmall"/><div>Build equity faster</div></div><div class="feature-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f032d896295044f604589ff_icon_check_green.svg" loading="lazy" alt="Checkmark" class="icon-xsmall"/><div>Lock in stable, predictable payments</div></div></div><a data-w-id="ad378c5f-a150-3ec6-0d96-05336c6720dd" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Apply now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div><div class="section---mapbox-and-collection-list"><div class="container xsmall text-align-center"><h1 class="h-xlarge">Trusted by homeowners nationwide for smart refinancing.</h1><div class="review-links-wrap"><p class="p-body-small m-center bold">Check ‘em out on:</p><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Trustpilot</div></div></a><p class="p-body-small m-center bold">|</p><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Google</div></div></a><p class="p-body-small m-center bold">|</p><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Zillow</div></div></a><p class="p-body-small m-center bold">|</p><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Bankrate</div></div></a></div></div><div class="container v25-rf-cont"><div class="v25-rf-side"><div class="v25-rf-collection w-dyn-list"><div role="list" class="v25-rf-list w-dyn-items"><div role="listitem" class="v25-rf-item w-dyn-item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6130d2b8c65c0a7f74d826ae_Stars.svg" loading="lazy" alt="" class="v25-rf-stars"/><p class="p-body-small">My husband and I were extremely happy working with Patrick Martin and thanks to Lending Tree we were connected to Patrick. He made everything easy. He's highly knowledgeable and obviously cares about his customers. We highly recommend Lending Tree and Lower.com Because of them we are finally debt free!!</p><div class="v25-rf-attb"><div class="v25-verify-check v25-rf"></div><div class="v25-review-name">Tina</div><div class="v25-verify">LendingTree</div></div></div><div role="listitem" class="v25-rf-item w-dyn-item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6130d2b8c65c0a7f74d826ae_Stars.svg" loading="lazy" alt="" class="v25-rf-stars"/><p class="p-body-small">What really made me decide to give my business to Lower.com was the amazing job Andi did while working with me from the first call up until closing day.</p><div class="v25-rf-attb"><div class="v25-verify-check v25-rf"></div><div class="v25-review-name">Cristhtian P.</div><div class="v25-verify">Google Review</div></div></div><div role="listitem" class="v25-rf-item w-dyn-item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6130d2b8c65c0a7f74d826ae_Stars.svg" loading="lazy" alt="" class="v25-rf-stars"/><p class="p-body-small">My score wasn't the best but Adam was pretty confident he could work something out and this was after being told no by other lenders. I didn't get my hopes up but to my surprise I was approved!</p><div class="v25-rf-attb"><div class="v25-verify-check v25-rf"></div><div class="v25-review-name">J.</div><div class="v25-verify">Google Review</div></div></div></div></div><div style="-webkit-transform:translate3d(0, -2em, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-moz-transform:translate3d(0, -2em, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-ms-transform:translate3d(0, -2em, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);transform:translate3d(0, -2em, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0)" class="v25-rf-collection v25-more w-dyn-list"><div role="list" class="v25-rf-list w-dyn-items"><div role="listitem" class="v25-rf-item w-dyn-item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6130d2b8c65c0a7f74d826ae_Stars.svg" loading="lazy" alt="" class="v25-rf-stars"/><p class="p-body-small">I was very happy with Lower and the entire refinancing experience. You can tell Lower really cares about the customer and wants to make the experience as good as possible for the customer."</p><div class="v25-rf-attb"><div class="v25-verify-check v25-rf"></div><div class="v25-review-name">Marchelle B.</div><div class="v25-verify">Google Review</div></div></div><div role="listitem" class="v25-rf-item w-dyn-item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6130d2b8c65c0a7f74d826ae_Stars.svg" loading="lazy" alt="" class="v25-rf-stars"/><p class="p-body-small">The process was so easy. It was also easy to upload all the required documents to the portal. Jake was available and answered all my questions promptly. I was approved in just a few days.</p><div class="v25-rf-attb"><div class="v25-verify-check v25-rf"></div><div class="v25-review-name">Jo</div><div class="v25-verify">Zillow</div></div></div><div role="listitem" class="v25-rf-item w-dyn-item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6130d2b8c65c0a7f74d826ae_Stars.svg" loading="lazy" alt="" class="v25-rf-stars"/><p class="p-body-small">This was our 8th mortgage closing and it was by far the easiest!! We had never done a virtual closing and it was smooth as silk from the comfort of our couch at the time of our choosing! The whole process was very easy to follow and understand.</p><div class="v25-rf-attb"><div class="v25-verify-check v25-rf"></div><div class="v25-review-name">Stephanie W.</div><div class="v25-verify">Zillow</div></div></div></div></div><div class="v25-rf-fadewrap"><div class="v25-rf-fade"></div></div><div data-w-id="8c3808ca-443e-a057-5730-17607d2ac533" class="v25-load-below v25-reviews">See more reviews<span class="v25-arrow-down"> </span></div></div><div class="v25-rf-side right video"><div data-video-to-play="870333476" data-w-id="8c3808ca-443e-a057-5730-17607d2ac538" class="v25-vv-card v25-video-ask v25-video-open"><div class="v25-play-b"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649b25af70996992b3517963_v25-play-icon.svg" loading="lazy" alt="" class="v25-play"/></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c6d9b0bca09c6575201b1_video-ask-bkg-opt.jpg" loading="lazy" alt="A video review from Paul M. who was very happy with his refinance experience" class="bkg-image"/></div><div class="v25-rg-attb-txt"><div class="v25-review-name"><span class="v25-verify-check"> </span>Paul M.</div><div class="v25-verify">Lower.com Refinance</div></div></div></div></div><div class="section---mapbox-and-collection-list"><div class="container"><div class="flex-v-full-top row-1rem"><div class="simple-card large"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737b0b0c823e92e0faf1bc8_Rate-Term-1.jpg" loading="lazy" sizes="(max-width: 479px) 75vw, (max-width: 767px) 81vw, (max-width: 991px) 71vw, (max-width: 1279px) 42vw, (max-width: 1919px) 500.5px, 27vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737b0b0c823e92e0faf1bc8_Rate-Term-1-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737b0b0c823e92e0faf1bc8_Rate-Term-1-p-800.jpg 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737b0b0c823e92e0faf1bc8_Rate-Term-1-p-1080.jpg 1080w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737b0b0c823e92e0faf1bc8_Rate-Term-1.jpg 1161w" alt="" class="thumbnail-large"/><div class="simple-card-content large"><h2 class="h-medium">Why refinance with Lower?</h2><p class="p-body-small max-w-20em bot-m-1em">Enjoy a simple, hassle-free application, competitive rates, and personalized support every step of the way. Join thousands who trust Lower—a verified top lender—for their refinancing needs.</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">Apply for a rate/term refinance</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div><div class="simple-card large"><div class="simple-card-content large"><h2 class="h-medium">Enjoy Free Refi for Life* with Lower</h2><p class="p-body-small max-w-20em bot-m-1em">Refinance once with Lower, and we cover your future lending fees, helping you save every time you refinance—at no extra cost.</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">Refinance with confidence</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737b0b1b00d6c82e4b81f9f_Rate-Term-2.jpg" loading="lazy" sizes="(max-width: 479px) 75vw, (max-width: 767px) 81vw, (max-width: 991px) 71vw, (max-width: 1279px) 42vw, (max-width: 1919px) 500.5px, 27vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737b0b1b00d6c82e4b81f9f_Rate-Term-2-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737b0b1b00d6c82e4b81f9f_Rate-Term-2-p-800.jpg 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737b0b1b00d6c82e4b81f9f_Rate-Term-2-p-1080.jpg 1080w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737b0b1b00d6c82e4b81f9f_Rate-Term-2.jpg 1171w" alt="" class="thumbnail-large"/></div><div class="simple-card large"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737b0b0d769045a53a64bf2_Rate-Term-3.jpg" loading="lazy" sizes="(max-width: 479px) 75vw, (max-width: 767px) 81vw, (max-width: 991px) 71vw, (max-width: 1279px) 42vw, (max-width: 1919px) 500.5px, 27vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737b0b0d769045a53a64bf2_Rate-Term-3-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737b0b0d769045a53a64bf2_Rate-Term-3-p-800.jpg 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737b0b0d769045a53a64bf2_Rate-Term-3-p-1080.jpg 1080w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737b0b0d769045a53a64bf2_Rate-Term-3.jpg 1202w" alt="" class="thumbnail-large"/><div class="simple-card-content large"><h2 class="h-medium">No credit check until you’re ready to refinance.</h2><p class="p-body-small max-w-20em bot-m-1em">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><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">Start your application</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div></div><div class="section---mapbox-and-collection-list"><div class="container xsmall text-align-center bot-m-4em"><h2 class="h-small color-lightblue bot-m-1-5em">Frequently Asked Questions</h2><h2 class="h-large">You’ve got rate/term refinancing questions. We’ve got answers.</h2></div><div class="container small"><div class="w-dyn-list"><div fs-cmsfilter-element="list" role="list" class="flex-v-full-top row--75rem w-dyn-items"><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What’s the difference between a rate/term refinance and a cash-out refinance?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>A rate/term refinance is designed to help you lower your interest rate, shorten your loan term, or both, without taking out extra cash. This type of refinance is ideal for reducing monthly payments or saving on interest over the life of your loan.</p><p>‍</p><p>A cash-out refinance, on the other hand, allows you to access a portion of your home’s equity by taking out a larger loan than your current mortgage balance. You receive the difference in cash, which you can use for renovations, debt consolidation, or other expenses. While a cash-out refinance can be beneficial if you need funds, it often comes with a slightly higher interest rate compared to a rate/term refinance.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What’s the difference between 15-year and 30-year refinance rates?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Typically, 15-year refinance rates are lower than 30-year rates, allowing you to pay less interest over the life of the loan. However, 15-year terms come with higher monthly payments, which might impact your budget. A 30-year refinance offers lower monthly payments, though the total interest paid over time will be higher. Your choice depends on whether you’re looking for monthly savings or want to build equity faster.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What are the best refinance rates available today?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>The best refinance rates depend on factors like your credit score, loan-to-value ratio, and current market conditions. Rates also vary between 15-year and 30-year terms, with shorter terms generally offering lower rates. Contact us to get today’s most competitive rates tailored to your profile and refinancing goals.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div></div></div></div></div><div class="section---mapbox-and-collection-list"><div class="container"><div class="container xsmall text-align-center"><h2 class="h-small color-lightblue bot-m-1-5em">Continue Learning</h2><h2 id="thats-more" class="h-large">Your guide to smart refinancing.</h2><p class="p-body-small m-center">Explore our Learning Center for expert insights on refinancing. From lowering your rate to tapping into equity, we’ve got the info you need to make the best choice.</p><div class="spacer-1rem"></div><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/lower-my-rate" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">See all resources</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="spacer-medium"></div><div class="learn-collection-list-wrapper w-dyn-list"><div role="list" class="playlist-grid w-dyn-items"><div data-w-id="c09037e5-daf1-4a95-ddb4-6badd3091561" role="listitem" class="learn-collection-item w-dyn-item"><a href="/blog/new-year-new-home-improvements" class="w-inline-block"><div class="learn-content-container"><div class="new-tag">New</div><div class="learn-image-feature-container"><img alt="" src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/677421fddd153651c44bbed2_New%20Year%2C%20New%20Home%20Improvements.jpg" sizes="(max-width: 767px) 90vw, (max-width: 991px) 80vw, (max-width: 1279px) 25vw, (max-width: 1919px) 302.6750183105469px, 16vw" srcset="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/677421fddd153651c44bbed2_New%20Year%2C%20New%20Home%20Improvements-p-500.jpg 500w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/677421fddd153651c44bbed2_New%20Year%2C%20New%20Home%20Improvements-p-800.jpg 800w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/677421fddd153651c44bbed2_New%20Year%2C%20New%20Home%20Improvements-p-1080.jpg 1080w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/677421fddd153651c44bbed2_New%20Year%2C%20New%20Home%20Improvements.jpg 1600w" class="hover-expand-image"/></div><h4 class="heading">New Year, New Home Improvements </h4></div></a><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="/blog/new-year-new-home-improvements" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Read More</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div data-w-id="c09037e5-daf1-4a95-ddb4-6badd3091561" role="listitem" class="learn-collection-item w-dyn-item"><a href="/blog/rising-home-prices-got-you-stuck-how-to-maximize-your-homes-value" class="w-inline-block"><div class="learn-content-container"><div class="new-tag">New</div><div class="learn-image-feature-container"><img alt="" src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6774206a39f2355292e2b6d8_Rising%20Home%20Prices_Image.jpg" sizes="(max-width: 767px) 90vw, (max-width: 991px) 80vw, (max-width: 1279px) 25vw, (max-width: 1919px) 302.6750183105469px, 16vw" srcset="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6774206a39f2355292e2b6d8_Rising%20Home%20Prices_Image-p-500.jpg 500w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6774206a39f2355292e2b6d8_Rising%20Home%20Prices_Image-p-800.jpg 800w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6774206a39f2355292e2b6d8_Rising%20Home%20Prices_Image-p-1080.jpg 1080w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6774206a39f2355292e2b6d8_Rising%20Home%20Prices_Image.jpg 1600w" class="hover-expand-image"/></div><h4 class="heading">Rising Home Prices Got You Stuck? How to Maximize Your Home’s Value</h4></div></a><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="/blog/rising-home-prices-got-you-stuck-how-to-maximize-your-homes-value" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Read More</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div data-w-id="c09037e5-daf1-4a95-ddb4-6badd3091561" role="listitem" class="learn-collection-item w-dyn-item"><a href="/blog/trigger-leads-3-things-to-do-before-you-apply-for-any-loan" class="w-inline-block"><div class="learn-content-container"><div class="new-tag">New</div><div class="learn-image-feature-container"><img alt="" src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6772b1fb893c251ac1bb623e_Untitled%20design.png" sizes="(max-width: 767px) 90vw, (max-width: 991px) 80vw, (max-width: 1279px) 25vw, (max-width: 1919px) 302.6750183105469px, 16vw" srcset="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6772b1fb893c251ac1bb623e_Untitled%20design-p-500.png 500w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6772b1fb893c251ac1bb623e_Untitled%20design-p-800.png 800w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6772b1fb893c251ac1bb623e_Untitled%20design-p-1080.png 1080w, https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6772b1fb893c251ac1bb623e_Untitled%20design.png 1280w" class="hover-expand-image"/></div><h4 class="heading">Trigger Leads: 3 Things to Do Before You Apply for Any Loan</h4></div></a><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="/blog/trigger-leads-3-things-to-do-before-you-apply-for-any-loan" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Read More</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div></div><section class="section---mapbox-and-collection-list v25-no-top-p"><div class="container"><div class="split tablet-center"><div class="split-content split-small tablet-center"><h2 class="h-small color-lightblue bot-m-1-5em">Equity Options</h2><div><h2 class="h-large">Explore more ways to access your home’s value.</h2><div class="p-body-small">Whether you're looking for a lump sum or a flexible line of credit, we have the right option for you.</div></div></div><div class="split-content split-large row-1em"><a href="/home-equity/cash-out-refinance" class="simple-card w-inline-block"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737a64a8e772eb28499d159_Cash-Out.jpg" loading="lazy" sizes="(max-width: 479px) 74vw, 140px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737a64a8e772eb28499d159_Cash-Out-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737a64a8e772eb28499d159_Cash-Out-p-800.jpg 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737a64a8e772eb28499d159_Cash-Out.jpg 1024w" alt="" class="thumbnail-small"/><div class="simple-card-content"><h2 class="h-medium">Cash-Out Refinance</h2><p class="p-body-small max-w-20em">Replace your existing mortgage with a new one and get cash for your equity.</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="/home-equity/heloc" class="simple-card w-inline-block"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737a64a92fa0f39a4b63356_HELOC.jpg" loading="lazy" sizes="(max-width: 479px) 74vw, 140px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737a64a92fa0f39a4b63356_HELOC-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737a64a92fa0f39a4b63356_HELOC-p-800.jpg 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6737a64a92fa0f39a4b63356_HELOC.jpg 1024w" alt="" class="thumbnail-small"/><div class="simple-card-content"><h2 class="h-medium">HELOC</h2><p class="p-body-small max-w-20em">Access a revolving credit line with flexible withdrawals and payments.</p></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/641caad56ced66378732c722_v2-icon-text-link-arrow.svg" loading="lazy" alt="" class="v25-at-arrow"/></a></div></div></div></section><div class="footer-wrap"><div class="bot-fade"></div><div class="section---mapbox-and-collection-list full-cta"><div class="ds24-full-cta"><h2 class="h-medium no-bot-m">Ready to get started?</h2><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div class="button-emoji">🏡</div><div>Apply today</div></div></a></div></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 class="footer-left"><a href="/finance" class="large-footer-link">Buy a home.</a><a href="/refinance" class="large-footer-link">Refinance.</a><a href="/heloc" class="large-footer-link">HELOC.</a><div class="spacer-1rem"></div><div class="flex-v-full-top"><div class="p-body-small">Ready to get started?</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="footer-right"><div class="footer-links"><div class="footer-links-block"><div class="label-medium color-smoke">Products</div><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/finance" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Buy A Home</div></div></a><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/lower-my-rate" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Lower My Rate </div></div></a><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/home-equity" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Access My Equity</div></div></a><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/free-refi-for-life" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Free Refi for Life</div></div></a></div><div class="footer-links-block"><div class="label-medium color-smoke">Tools</div><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="https://lower.secureconduit.net/login" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Make a Payment</div></div></a><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="http://upload.lower.com" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Secure Upload</div></div></a><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/heloc" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">HELOC Calculator</div></div></a></div><div class="footer-links-block"><div class="label-medium color-smoke">About</div><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/learn" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Learning Center</div></div></a><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="https://careers.lower.com" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Careers</div></div></a><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/news" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">News</div></div></a></div><div class="footer-links-block"><div class="label-medium color-smoke">Support</div><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/faqs" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">FAQs</div></div></a><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="/care" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Support Team</div></div></a></div><div class="footer-links-block"><div class="label-medium color-smoke">Connect</div><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="https://www.instagram.com/lowerdotcom/" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Instagram</div></div></a><a data-w-id="460ae27d-2daf-9283-ad10-ddd1250f4ec4" href="https://www.facebook.com/lowerdotcom" class="ds24-link-block w-inline-block"><div class="link"><div class="link-text">Facebook</div></div></a><a 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 <strong id="mortgage-date-text" class="legal-date-text">03/17/2025</strong>. 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>‍</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. All rights reserved.</div><div class="ds24-legal"><a href="https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1124061"> nmlsconsumeraccess.org</a></div></div><div class="w-embed"><style> .be-related-link-container { } .be-list { display: flex !important; flex-direction: column !important; } .be-label { opacity: 1; color: #6a6b76; margin-top: 0 !important; margin-bottom: 1em !important; font-size: 1em !important; font-weight: 500 !important; line-height: 1em !important; font-family: Gotham,Arial,sans-serif !important; } .be-list-item { font-size: 14px !important; } .be-related-link { padding-top: 0.5em !important; padding-bottom: 0.5em !important; font-size: 1em !important; font-weight: 700 !important; line-height: 1.2em !important; display: block !important; color: #1a1a1a !important; font-family: Gotham,Arial,sans-serif !important; } </style></div></div></div></div><div class="mortagage-rates-code"><div class="w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="w-dyn-item"><div id="mortgage-date-value" class="mortgage-rate-date-text">3/27/2025</div></div></div></div><div class="w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="w-dyn-item"><div id="mortgage-rate-value" class="mortgage-rate-value-text">7.750</div></div></div></div><div class="w-embed w-script"><script> document.addEventListener('DOMContentLoaded', function() { // Get elements const sourceElement = document.getElementById('mortgage-date-value'); const destinationElement = document.getElementById('mortgage-date-text'); if (destinationElement) { const textToCopy = sourceElement.innerText; destinationElement.innerText = textToCopy; } const dateElements = document.getElementsByClassName('legal-date-text'); if(dateElements){ for (let i = 0; i < dateElements.length; i++) { dateElements[i].textContent = sourceElement.innerText; } } //Update Rate value const rateElement = document.getElementById('mortgage-rate-value'); if(rateElement.innerText){ let str = rateElement.innerText; let num = parseFloat(str).toFixed(2); const elements = document.getElementsByClassName('mortagage-rate-text-value'); if(elements){ for (let i = 0; i < elements.length; i++) { elements[i].textContent = num; } } } }); </script></div></div></div><div class="v25-video-player"><div class="v25-video-frame w-embed w-iframe w-script"><iframe id="video-frame" src="about:blank" width="100%" height="100%" frameborder="0" allow=""></iframe> <script> var iframe = document.getElementById("video-frame"); var iframeSRC = ""; var newNum = ""; const videos = document.getElementsByClassName("v25-video-open"); for (var i = 0; i < videos.length; i++) { videos[i].addEventListener("click", videoClick, false); } function videoClick() { newNum = this.getAttribute('data-video-to-play'); console.log(newNum); iframeSRC = "https://player.vimeo.com/video/" + newNum + "?badge=0&autopause=0&player_id=0&app_id=58479"; iframe.src = iframeSRC; } </script></div><div data-w-id="bd4a2324-a245-31b6-6ae5-17111cd06df0" class="v25-close v25-video"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f22d3f87fe3f68afd5e95d2_icon_modal_close.svg" loading="lazy" alt="Close icon" class="v25-close-x"/></div></div><script src="https://d3e54v103j8qbb.cloudfront.net/js/jquery-3.5.1.min.dc5e7f18c8.js?site=5ef3b440084a4e99e1ef10f9" type="text/javascript" integrity="sha256-9/aliU8dGd2tb6OSsuzixeV4y/faTqgFtohetphbbj0=" crossorigin="anonymous"></script><script src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/js/webflow.schunk.b7cad701f94860c2.js" type="text/javascript"></script><script src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/js/webflow.schunk.e6fddb5fe123fd00.js" type="text/javascript"></script><script src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/js/webflow.45a0e55f.5492b54d3db33fef.js" type="text/javascript"></script><script> document.addEventListener('DOMContentLoaded', () => { document.querySelectorAll('#nav-open').forEach(trigger => { trigger.addEventListener('click', function(){ document.querySelectorAll('.lower-body').forEach(target => target.classList.add('no-scroll')); }); }); document.querySelectorAll('#nav-close').forEach(trigger => { trigger.addEventListener('click', function(){ document.querySelectorAll('.lower-body').forEach(target => target.classList.remove('no-scroll')); }); }); }); </script> <script> // Number of clicks on the trigger element initially set on 0 let numOfClicks = 0; // Get trigger element const trigger = document.getElementById("menu-trigger"); // Get body element const bodyEl = document.getElementsByTagName("body")[0]; // Set onclick function to trigger element if (trigger) { trigger.onclick = () => { numOfClicks += 1; // Check if number of clicks is an even value: // odd value - first click, even value - second click const isNumOfClicksEven = numOfClicks % 2 === 0; // On first click set body's overflow property to "auto", // On second click set body's overflow property to "hidden" isNumOfClicksEven ? bodyEl.style.overflow = "auto" : bodyEl.style.overflow = "hidden"; }; } </script> <script> function replaceYears() { var years = document.querySelectorAll("[data-current-year]"); if(years.length > 0) { for (var i = 0; i < years.length; i++) { years[i].innerHTML = new Date().getFullYear(); } } } replaceYears(); </script> <script> var numOfReviews = "30,000+"; var googleReviewCount = "4,325"; var zillowReviewCount = "9,237"; var trustpilotReviewCount = "2,508"; var bankrateReviewCount = "3,149"; var googleReviewScore = "4.9"; var zillowReviewScore = "4.9"; var trustpilotReviewScore = "4.8"; var bankrateReviewScore = "5.0"; function replaceReviews() { var reviews = document.querySelectorAll("[data-review-count]"); var googleReviewCountList = document.querySelectorAll("[data-review-count-google]"); var zillowReviewCountList = document.querySelectorAll("[data-review-count-zillow]"); var trustpilotReviewCountList = document.querySelectorAll("[data-review-count-trustpilot]"); var bankrateReviewCountList = document.querySelectorAll("[data-review-count-bankrate]"); var googleReviewScoreList = document.querySelectorAll("[data-review-score-google]"); var zillowReviewScoreList = document.querySelectorAll("[data-review-score-zillow]"); var trustpilotReviewScoreList = document.querySelectorAll("[data-review-score-trustpilot]"); var bankrateReviewScoreList = document.querySelectorAll("[data-review-score-bankrate]"); for (var i = 0; i < googleReviewCountList.length; i++) { googleReviewCountList[i].innerHTML = googleReviewCount; } for (var i = 0; i < zillowReviewCountList.length; i++) { zillowReviewCountList[i].innerHTML = zillowReviewCount; } for (var i = 0; i < trustpilotReviewCountList.length; i++) { trustpilotReviewCountList[i].innerHTML = trustpilotReviewCount; } for (var i = 0; i < bankrateReviewCountList.length; i++) { bankrateReviewCountList[i].innerHTML = bankrateReviewCount; } for (var i = 0; i < googleReviewScoreList.length; i++) { googleReviewScoreList[i].innerHTML = googleReviewScore; } for (var i = 0; i < zillowReviewScoreList.length; i++) { zillowReviewScoreList[i].innerHTML = zillowReviewScore; } for (var i = 0; i < trustpilotReviewScoreList.length; i++) { trustpilotReviewScoreList[i].innerHTML = trustpilotReviewScore; } for (var i = 0; i < bankrateReviewScoreList.length; i++) { bankrateReviewScoreList[i].innerHTML = bankrateReviewScore; } for (var i = 0; i < reviews.length; i++) { reviews[i].innerHTML = numOfReviews; } } replaceReviews(); </script> <style> * { -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; } .menu-click-off { -webkit-backdrop-filter: blur(8px); backdrop-filter: blur(8px); } body { position: relative; } a, div { -webkit-tap-highlight-color: rgba(0,0,0,0); -webkit-tap-highlight-color: transparent; } a:focus { outline: 0; } .rate-switch-toggle-wrapper { transform-style: flat !important; } h1, h2, h3, h4, h5, h6, p { text-wrap: balance; } .grey-box{ padding:1em; background:#ccc; } /* START - adjust nav for small desktop custom breakpoint */ @media screen and (max-width: 1200px) and (min-width: 992px) { .ds24-nav-link { font-size: 1.1vw; padding-left: .9vw; padding-right: .9vw; } } /* End - adjust nav for small desktop custom breakpoint */ </style> </body></html>