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Lower makes it simple and affordable to get a HELOC with competitive rates, fast approvals, and a seamless process. 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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 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class="ds24-dropdown-cta"><div class="ds24-dropdown-cta-content"><div class="h-xsmall bot-m--25em">Ready to buy your dream home?</div><p class="p-body-small bot-m--5em">Our process is simple and hassle-free. Let’s make homeownership a reality.</p></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/purchase" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div><a href="/finance" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link"><div class="ds24-nav-link-content"><div class="link-text dropdown new-nav">Lower My Rate</div><img 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(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 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class="nav-ab-test w-embed"></div></div><div id="ph-loader" class="ph-loader"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/650c948da445f7b9aa311779_Web%20Loader.gif" loading="lazy" alt="" class="ph-load-icon"/></div><div style="display:flex;opacity:1" class="subtle-loader"></div><div class="hero-sections"><div id="heloc-old-hero" class="helco-hero-section"><div class="section---mapbox-and-collection-list hero-top heloc-test"><div class="container large"><div class="split"><div class="split-content split-small tablet-center solo"><div id="new-heloc-hero-review" class="heloc-trustpilot-block hide-block"><div id="ab-may31-trust-control" class="v25-trustpilot"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa1c3141663637ccad6c7a_Google-Review-Logo.png" loading="eager" sizes="(max-width: 3840px) 100vw, 3840px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa1c3141663637ccad6c7a_Google-Review-Logo-p-500.png 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa1c3141663637ccad6c7a_Google-Review-Logo-p-800.png 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa1c3141663637ccad6c7a_Google-Review-Logo.png 3840w" alt="" class="v25-tp-logo v25-smaller v2"/><div class="v25-book v25-tp weight-500">Lower.com—Top Mortgage Lender</div><div class="v25-bold">4.9 / 5</div></div></div><div id="old-heloc-hero-review"><div id="ab-may31-trust-control" class="v25-trustpilot"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649ae09d3bd1486afa96b3d4_trustpilot-logo.svg" loading="eager" alt="Trustpilot Logo" class="v25-tp-logo v25-smaller"/><div class="v25-book v25-tp">Lower.com—Top Mortgage Lender</div><div class="v25-bold">4.8 / 5</div></div></div><h1 id="ab-may31-heading" class="h-xlarge">Achieve your goals with a HELOC.</h1><p class="p-body-medium bot-m-2em">Pay off high-interest debt, renovate your home, or get cash for college or retirement.</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 class="button-emoji">🏡</div><div id="ab-may31-button-copy">Apply in 3 minutes</div></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 mobile-hide"/><div class="h-xsmall weight-medium color-smoke no-bot-m">No-impact credit check. No commitment.</div></div></div></div><div class="mobile-hero-fill"></div></div></div><div id="ab-may31-visuals-testa" class="ab-heloc-visuals"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/665898d65a5931bcedcbf4bb_ab_heloc_hero_test_opt.jpg" loading="lazy" width="973" sizes="(max-width: 991px) 100vw, 973px" alt="" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/665898d65a5931bcedcbf4bb_ab_heloc_hero_test_opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/665898d65a5931bcedcbf4bb_ab_heloc_hero_test_opt-p-800.jpg 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/665898d65a5931bcedcbf4bb_ab_heloc_hero_test_opt-p-1080.jpg 1080w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/665898d65a5931bcedcbf4bb_ab_heloc_hero_test_opt.jpg 1946w" class="heloc-hero-img heloc-large desktop"/><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66589bbc26f6693e2a85f134_ab_heloc_hero_test_mobile_opt.jpg" loading="lazy" width="973" sizes="(max-width: 991px) 100vw, 973px" alt="" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66589bbc26f6693e2a85f134_ab_heloc_hero_test_mobile_opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66589bbc26f6693e2a85f134_ab_heloc_hero_test_mobile_opt-p-800.jpg 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66589bbc26f6693e2a85f134_ab_heloc_hero_test_mobile_opt.jpg 1230w" class="heloc-hero-img heloc-large mobile"/></div></div><div class="ab-0824-heloc-ordertest"><div class="section---mapbox-and-collection-list full-cta mobile-full"><div class="ds24-card mobile-full"><div class="numbered-wrap"><div class="numbered-block"><div class="ds24-medium-icon-fig smaller lightblue"><div class="h-medium no-bot-m color-lightblue">1</div></div><div class="flex-v-left-center"><h2 class="h-medium">Get Started</h2><p id="old-heloc-getstarted" class="p-body-small bot-m-1-5em">Take 3 minutes to complete our online application and we’ll match you to the best mortgage for your goals.</p><p id="new-heloc-getstarted" class="p-body-small bot-m-1-5em hide-block">Take 3 minutes to complete our online application and we’ll match you to the best mortgage for your goals.</p><div class="flex-v-fill-top row--75em fill"><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>Let's go</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514447527eae785dc9b8b91_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><div class="numbered-block"><div class="ds24-medium-icon-fig smaller lightblue"><div class="h-medium no-bot-m color-lightblue">2</div></div><div class="flex-v-left-center"><h2 class="h-medium">Customize Your Options</h2><p class="p-body-small">We’ll schedule a quick phone call with one of our expert loan advisors to help ensure that we’re building the mortgage that’s perfect for you.</p></div></div><div class="numbered-block"><div class="ds24-medium-icon-fig smaller lightblue"><div class="h-medium no-bot-m color-lightblue">3</div></div><div class="flex-v-left-center"><h2 class="h-medium">Access Your Equity</h2><p class="p-body-small">Your dedicated loan officer will provide personalized support to help you help you access your equity quickly and confidently from the comfort of home.</p></div></div></div></div></div><div id="old-heloc-reviews" class="section---mapbox-and-collection-list full-cta no-margin hide-mobile"><div class="ds24-card black-bkg review-scroll"><div class="full-bar-reviews"><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157dbf4023508f99a985_review-logo-trustpilot-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-trustpilot="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.8</div></div><div class="p-body-small color-smoke"><a href="https://www.trustpilot.com/review/lower.com" class="ds24-underline color-silk">2,516 reviews</a></div></div><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157d6c9cafa9650d51fb_review-logo-zillow-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-zillow="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.9</div></div><div class="p-body-small color-smoke"><a href="https://www.zillow.com/lender-profile/lower/" class="ds24-underline color-silk">6,310 reviews</a></div></div><div class="p-body-medium no-bot-m color-white weight-bold display-block"><span data-review-count="">30,000+</span> Five-Star Reviews</div><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157d60e007369e27bde8_review-logo-bankrate-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-bankrate="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.9</div></div><div class="p-body-small color-smoke"><a href="https://www.bankrate.com/mortgages/reviews/lower/" class="ds24-underline color-silk">3,171 reviews</a></div></div><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157df75b09dfc358199f_review-logo-google-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-google="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.9</div></div><div class="p-body-small color-smoke"><a href="https://g.co/kgs/BYy8PE3" class="ds24-underline color-silk">4,319 reviews</a></div></div><div class="p-body-medium no-bot-m color-white weight-bold display-block"><span data-review-count="">30,000+</span> Five-Star Reviews</div></div><div class="full-bar-reviews"><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157dbf4023508f99a985_review-logo-trustpilot-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-trustpilot="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.8</div></div><div class="p-body-small color-smoke"><a href="https://www.trustpilot.com/review/lower.com" class="ds24-underline color-silk">2,516 reviews</a></div></div><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157d6c9cafa9650d51fb_review-logo-zillow-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-zillow="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.9</div></div><div class="p-body-small color-smoke"><a href="https://www.zillow.com/lender-profile/lower/" class="ds24-underline color-silk">6,310 reviews</a></div></div><div class="p-body-medium no-bot-m color-white weight-bold display-block"><span data-review-count="">30,000+</span> Five-Star Reviews</div><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157d60e007369e27bde8_review-logo-bankrate-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-bankrate="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.9</div></div><div class="p-body-small color-smoke"><a href="https://www.bankrate.com/mortgages/reviews/lower/" class="ds24-underline color-silk">3,171 reviews</a></div></div><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157df75b09dfc358199f_review-logo-google-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-google="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.9</div></div><div class="p-body-small color-smoke"><a href="https://g.co/kgs/BYy8PE3" class="ds24-underline color-silk">4,319 reviews</a></div></div><div class="p-body-medium no-bot-m color-white weight-bold display-block"><span data-review-count="">30,000+</span> Five-Star Reviews</div></div><div class="w-embed"><style> .full-bar-reviews { will-change: transform; animation: marquee-horizontal 25s linear infinite; /* manipulate the speed of the marquee by changing "40s" line above*/ } @keyframes marquee-horizontal { from { transform: translateX(0%); } to { transform: translateX(-100%); } } .review-scroll:hover .full-bar-reviews { -webkit-animation-play-state: paused; -moz-animation-play-state: paused; -o-animation-play-state: paused; animation-play-state: paused; } </style></div></div></div></div></div><div id="heloc-new-hero-1" class="helco-hero-section display-none"><div class="section---mapbox-and-collection-list hero-top atf"><div class="container large"><div class="split"><div class="split-content split-small tablet-center fullwidth"><div id="new-heloc-hero-review" class="heloc-trustpilot-block hide-block"><div id="ab-may31-trust-control" class="v25-trustpilot"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa1c3141663637ccad6c7a_Google-Review-Logo.png" loading="eager" sizes="(max-width: 3840px) 100vw, 3840px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa1c3141663637ccad6c7a_Google-Review-Logo-p-500.png 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa1c3141663637ccad6c7a_Google-Review-Logo-p-800.png 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa1c3141663637ccad6c7a_Google-Review-Logo.png 3840w" alt="" class="v25-tp-logo v25-smaller v2"/><div class="v25-book v25-tp weight-500">Lower.com—Top Mortgage Lender</div><div class="v25-bold">4.9 / 5</div></div></div><div id="old-heloc-hero-review"><div id="ab-may31-trust-control" class="v25-trustpilot"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649ae09d3bd1486afa96b3d4_trustpilot-logo.svg" loading="eager" alt="Trustpilot Logo" class="v25-tp-logo v25-smaller"/><div class="v25-book v25-tp">Lower.com—Top Mortgage Lender</div><div class="v25-bold">4.8 / 5</div></div></div><h1 id="ab-may31-heading" class="h-xlarge">Achieve your goals with a HELOC.</h1><p class="p-body-medium bot-m-2em">Pay off high-interest debt, renovate your home, or get cash for college or retirement.</p><div class="flex-v-left-center row-1em mobile-center align-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 class="button-emoji">🏡</div><div id="ab-may31-button-copy">Apply in 3 minutes</div></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 mobile-hide"/><div class="h-xsmall weight-medium color-smoke no-bot-m">No-impact credit check. No commitment.</div></div></div></div><div class="mobile-hero-fill"></div></div></div><div id="ab-may31-visuals-testa" class="ab-heloc-visuals mobile-show v2"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66589bbc26f6693e2a85f134_ab_heloc_hero_test_mobile_opt.jpg" loading="lazy" width="973" sizes="(max-width: 991px) 100vw, 973px" alt="" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66589bbc26f6693e2a85f134_ab_heloc_hero_test_mobile_opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66589bbc26f6693e2a85f134_ab_heloc_hero_test_mobile_opt-p-800.jpg 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66589bbc26f6693e2a85f134_ab_heloc_hero_test_mobile_opt.jpg 1230w" class="heloc-hero-img heloc-large mobile"/></div></div><div class="ab-0824-heloc-ordertest"><div class="section---mapbox-and-collection-list full-cta mobile-full mt-0"><div class="ds24-card mobile-full"><div class="numbered-wrap"><div class="numbered-block"><div class="ds24-medium-icon-fig smaller lightblue _48px"><div class="h-medium no-bot-m color-lightblue">1</div></div><div class="flex-v-left-center"><h2 class="h-medium">Get Started</h2><p id="old-heloc-getstarted" class="p-body-small bot-m-1-5em">Fill out our application in 3 minutes and we’ll find the best mortgage for your goals.</p><p id="new-heloc-getstarted" class="p-body-small bot-m-1-5em hide-block">Take 3 minutes to complete our online application and we’ll match you to the best mortgage for your goals.</p><div class="flex-v-fill-top row--75em fill align-left"><a data-w-id="09ee2129-5cdf-174b-619d-7cbe7b270375" href="https://app.lower.com/mortgage/lightspeed" class="button small w-inline-block"><div class="button-content"><div>Let's go</div><div style="width:0.7em" class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67d99de7ff380f2c420ef77e_lock-icon.svg" loading="lazy" alt="" class="icon-medium small"/><div class="h-xsmall weight-medium color-smoke no-bot-m font-14px">No-impact credit check</div></div></div></div></div><div class="numbered-block"><div class="ds24-medium-icon-fig smaller lightblue _48px"><div class="h-medium no-bot-m color-lightblue">2</div></div><div class="flex-v-left-center"><h2 class="h-medium">Customize Your Options</h2><p class="p-body-small">We’ll schedule a quick call with an expert loan advisor to build the perfect mortgage for you.</p></div></div><div class="numbered-block"><div class="ds24-medium-icon-fig smaller lightblue _48px"><div class="h-medium no-bot-m color-lightblue">3</div></div><div class="flex-v-left-center"><h2 class="h-medium">Access Your Equity</h2><p class="p-body-small">Get personalized support from our dedicated loan officer to access your equity quickly and confidently.</p></div></div></div></div></div><div id="old-heloc-reviews" class="section---mapbox-and-collection-list full-cta no-margin hide-mobile"><div class="ds24-card black-bkg review-scroll"><div class="full-bar-reviews"><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157dbf4023508f99a985_review-logo-trustpilot-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-trustpilot="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.8</div></div><div class="p-body-small color-smoke"><a href="https://www.trustpilot.com/review/lower.com" class="ds24-underline color-silk">2,516 reviews</a></div></div><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157d6c9cafa9650d51fb_review-logo-zillow-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-zillow="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.9</div></div><div class="p-body-small color-smoke"><a href="https://www.zillow.com/lender-profile/lower/" class="ds24-underline color-silk">6,310 reviews</a></div></div><div class="p-body-medium no-bot-m color-white weight-bold display-block"><span data-review-count="">30,000+</span> Five-Star Reviews</div><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157d60e007369e27bde8_review-logo-bankrate-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-bankrate="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.9</div></div><div class="p-body-small color-smoke"><a href="https://www.bankrate.com/mortgages/reviews/lower/" class="ds24-underline color-silk">3,171 reviews</a></div></div><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157df75b09dfc358199f_review-logo-google-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-google="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.9</div></div><div class="p-body-small color-smoke"><a href="https://g.co/kgs/BYy8PE3" class="ds24-underline color-silk">4,319 reviews</a></div></div><div class="p-body-medium no-bot-m color-white weight-bold display-block"><span data-review-count="">30,000+</span> Five-Star Reviews</div></div><div class="full-bar-reviews"><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157dbf4023508f99a985_review-logo-trustpilot-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-trustpilot="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.8</div></div><div class="p-body-small color-smoke"><a href="https://www.trustpilot.com/review/lower.com" class="ds24-underline color-silk">2,516 reviews</a></div></div><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157d6c9cafa9650d51fb_review-logo-zillow-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-zillow="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.9</div></div><div class="p-body-small color-smoke"><a href="https://www.zillow.com/lender-profile/lower/" class="ds24-underline color-silk">6,310 reviews</a></div></div><div class="p-body-medium no-bot-m color-white weight-bold display-block"><span data-review-count="">30,000+</span> Five-Star Reviews</div><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157d60e007369e27bde8_review-logo-bankrate-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-bankrate="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.9</div></div><div class="p-body-small color-smoke"><a href="https://www.bankrate.com/mortgages/reviews/lower/" class="ds24-underline color-silk">3,171 reviews</a></div></div><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157df75b09dfc358199f_review-logo-google-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-google="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.9</div></div><div class="p-body-small color-smoke"><a href="https://g.co/kgs/BYy8PE3" class="ds24-underline color-silk">4,319 reviews</a></div></div><div class="p-body-medium no-bot-m color-white weight-bold display-block"><span data-review-count="">30,000+</span> Five-Star Reviews</div></div><div class="w-embed"><style> .full-bar-reviews { will-change: transform; animation: marquee-horizontal 25s linear infinite; /* manipulate the speed of the marquee by changing "40s" line above*/ } @keyframes marquee-horizontal { from { transform: translateX(0%); } to { transform: translateX(-100%); } } .review-scroll:hover .full-bar-reviews { -webkit-animation-play-state: paused; -moz-animation-play-state: paused; -o-animation-play-state: paused; animation-play-state: paused; } </style></div></div></div></div></div><div id="heloc-new-hero-2" class="helco-hero-section display-none"><div class="section---mapbox-and-collection-list hero-top atf-layout-2"><div class="container large"><div class="hero-boxed-layout"><div class="hero-boxed-layout---left"><div class="split-content split-small tablet-center vertical-align-center"><div id="new-heloc-hero-review" class="heloc-trustpilot-block hide-block"><div id="ab-may31-trust-control" class="v25-trustpilot"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa1c3141663637ccad6c7a_Google-Review-Logo.png" loading="eager" sizes="(max-width: 3840px) 100vw, 3840px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa1c3141663637ccad6c7a_Google-Review-Logo-p-500.png 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa1c3141663637ccad6c7a_Google-Review-Logo-p-800.png 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa1c3141663637ccad6c7a_Google-Review-Logo.png 3840w" alt="" class="v25-tp-logo v25-smaller v2"/><div class="v25-book v25-tp weight-500">Lower.com—Top Mortgage Lender</div><div class="v25-bold">4.9 / 5</div></div></div><div id="old-heloc-hero-review"><div id="ab-may31-trust-control" class="v25-trustpilot"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649ae09d3bd1486afa96b3d4_trustpilot-logo.svg" loading="eager" alt="Trustpilot Logo" class="v25-tp-logo v25-smaller"/><div class="v25-book v25-tp">Lower.com—Top Mortgage Lender</div><div class="v25-bold">4.8 / 5</div></div></div><h1 id="ab-may31-heading" class="h-xlarge">Achieve your goals with a HELOC.</h1><p class="p-body-medium bot-m-2em">Pay off high-interest debt, renovate your home, or get cash for college or retirement.</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 class="button-emoji">🏡</div><div id="ab-may31-button-copy">Apply in 3 minutes</div></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 mobile-hide"/><div class="h-xsmall weight-medium color-smoke no-bot-m">No-impact credit check. No commitment.</div></div></div></div></div><div id="ab-may31-visuals-testa" class="ab-heloc-visuals mobile-show v2"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66589bbc26f6693e2a85f134_ab_heloc_hero_test_mobile_opt.jpg" loading="lazy" width="973" sizes="(max-width: 991px) 100vw, 973px" alt="" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66589bbc26f6693e2a85f134_ab_heloc_hero_test_mobile_opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66589bbc26f6693e2a85f134_ab_heloc_hero_test_mobile_opt-p-800.jpg 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66589bbc26f6693e2a85f134_ab_heloc_hero_test_mobile_opt.jpg 1230w" class="heloc-hero-img heloc-large mobile v2"/></div><div class="hero-boxed-layout---right"><div class="hero-boxed-layout---callouts"><div class="numbered-block layout--2"><div class="ds24-medium-icon-fig smaller lightblue _40px"><div class="h-medium no-bot-m color-lightblue small">1</div></div><div class="flex-v-left-center"><h2 class="h-medium font-18px">Get Started</h2><p id="old-heloc-getstarted" class="p-body-small bot-m-1-5em">Fill out our application in 3 minutes and we’ll find the best mortgage for your goals.</p><p id="new-heloc-getstarted" class="p-body-small bot-m-1-5em hide-block">Take 3 minutes to complete our online application and we’ll match you to the best mortgage for your goals.</p><div class="flex-v-fill-top row--75em fill align-left"><a data-w-id="d4076e56-b3a2-97f9-87e1-a33527c93249" href="https://app.lower.com/mortgage/lightspeed" class="button small w-inline-block"><div class="button-content"><div>Let's go</div><div style="width:0.7em" class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67d99de7ff380f2c420ef77e_lock-icon.svg" loading="lazy" alt="" class="icon-medium small"/><div class="h-xsmall weight-medium color-smoke no-bot-m font-14px">No-impact credit check</div></div></div></div></div><div class="numbered-block layout--2"><div class="ds24-medium-icon-fig smaller lightblue _40px"><div class="h-medium no-bot-m color-lightblue small">2</div></div><div class="flex-v-left-center"><h2 class="h-medium font-18px">Customize Your Options</h2><p class="p-body-small">We’ll schedule a quick call with an expert loan advisor to build the perfect mortgage for you.</p></div></div><div class="numbered-block layout--2"><div class="ds24-medium-icon-fig smaller lightblue _40px"><div class="h-medium no-bot-m color-lightblue small">3</div></div><div class="flex-v-left-center"><h2 class="h-medium font-18px">Access Your Equity</h2><p class="p-body-small">Get personalized support from our dedicated loan officer to access your equity quickly and confidently.</p></div></div></div></div></div></div></div><div class="ab-0824-heloc-ordertest"><div id="old-heloc-reviews" class="section---mapbox-and-collection-list full-cta no-margin hide-mobile"><div class="ds24-card black-bkg review-scroll"><div class="full-bar-reviews"><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157dbf4023508f99a985_review-logo-trustpilot-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-trustpilot="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.8</div></div><div class="p-body-small color-smoke"><a href="https://www.trustpilot.com/review/lower.com" class="ds24-underline color-silk">2,516 reviews</a></div></div><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157d6c9cafa9650d51fb_review-logo-zillow-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-zillow="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.9</div></div><div class="p-body-small color-smoke"><a href="https://www.zillow.com/lender-profile/lower/" class="ds24-underline color-silk">6,310 reviews</a></div></div><div class="p-body-medium no-bot-m color-white weight-bold display-block"><span data-review-count="">30,000+</span> Five-Star Reviews</div><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157d60e007369e27bde8_review-logo-bankrate-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-bankrate="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.9</div></div><div class="p-body-small color-smoke"><a href="https://www.bankrate.com/mortgages/reviews/lower/" class="ds24-underline color-silk">3,171 reviews</a></div></div><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157df75b09dfc358199f_review-logo-google-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-google="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.9</div></div><div class="p-body-small color-smoke"><a href="https://g.co/kgs/BYy8PE3" class="ds24-underline color-silk">4,319 reviews</a></div></div><div class="p-body-medium no-bot-m color-white weight-bold display-block"><span data-review-count="">30,000+</span> Five-Star Reviews</div></div><div class="full-bar-reviews"><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157dbf4023508f99a985_review-logo-trustpilot-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-trustpilot="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.8</div></div><div class="p-body-small color-smoke"><a href="https://www.trustpilot.com/review/lower.com" class="ds24-underline color-silk">2,516 reviews</a></div></div><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157d6c9cafa9650d51fb_review-logo-zillow-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-zillow="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.9</div></div><div class="p-body-small color-smoke"><a href="https://www.zillow.com/lender-profile/lower/" class="ds24-underline color-silk">6,310 reviews</a></div></div><div class="p-body-medium no-bot-m color-white weight-bold display-block"><span data-review-count="">30,000+</span> Five-Star Reviews</div><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157d60e007369e27bde8_review-logo-bankrate-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-bankrate="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.9</div></div><div class="p-body-small color-smoke"><a href="https://www.bankrate.com/mortgages/reviews/lower/" class="ds24-underline color-silk">3,171 reviews</a></div></div><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c1157df75b09dfc358199f_review-logo-google-smoke.svg" loading="lazy" alt=""/><div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64aeff108191697609ecd43d_single-star.svg" loading="lazy" alt="" class="single-star"/><div data-review-score-google="" class="p-body-medium no-bot-m color-white weight-bold display-block">4.9</div></div><div class="p-body-small color-smoke"><a href="https://g.co/kgs/BYy8PE3" class="ds24-underline color-silk">4,319 reviews</a></div></div><div class="p-body-medium no-bot-m color-white weight-bold display-block"><span data-review-count="">30,000+</span> Five-Star Reviews</div></div><div class="w-embed"><style> .full-bar-reviews { will-change: transform; animation: marquee-horizontal 25s linear infinite; /* manipulate the speed of the marquee by changing "40s" line above*/ } @keyframes marquee-horizontal { from { transform: translateX(0%); } to { transform: translateX(-100%); } } .review-scroll:hover .full-bar-reviews { -webkit-animation-play-state: paused; -moz-animation-play-state: paused; -o-animation-play-state: paused; animation-play-state: paused; } </style></div></div></div></div></div></div><section id="new-heloc-reviews" class="helco-review-section-catousel hide-block"><div class="container-large"><div class="home-review---wrap"><div class="reviews-block-header"><div class="reviews-block-header---top"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66c6031f90cda484b852aff9_reviews%20graphic.png" loading="lazy" alt="" class="image-5"/><div class="reviews-block-header---top-text">Trusted by over 30,000 customers across the U.S.</div></div><h2 class="h-xlarge no-bot-m text-align-center">Don't take our word for it.</h2><div class="review-button-wrap"><div class="small-text text-align-center">Ready to take the next step?</div><a id="home-new-hero-cta" data-w-id="c5cbdbc7-07a0-422d-0516-cc66dd0b3ccd" href="https://app.lower.com/mortgage/lightspeed" class="button review w-inline-block"><div class="button-content"><div>Get Started Today</div><div style="width:0.7em" class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div><div id="reviewcarousel" class="review-carousel swiper"><div class="swiper-wrapper"><div class="review-slide-wrap-2 swiper-slide"><div class="review-testimonial-title"><strong>Easy and quick</strong></div><div class="review-slide-text-sm">“Did all communication through text message. Signed all documents through an online portal. Easy. Loan just moved into processing phase. Everything is moving very quickly. Did a HELOC with Lower last year, combining everything into one mortgage now. My loan officer, Adam, did a great job.”</div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa4fd3c0910f19049f6cb5_pexels-gustavo-fring-4894647.jpg" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa4fd3c0910f19049f6cb5_pexels-gustavo-fring-4894647-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa4fd3c0910f19049f6cb5_pexels-gustavo-fring-4894647.jpg 502w" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title-wrap"><div class="title-wrap"><div class="w-embed"><svg width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6258_1500)"> <g clip-path="url(#clip1_6258_1500)"> <path d="M8.75 17.5C13.5825 17.5 17.5 13.5825 17.5 8.75C17.5 3.91751 13.5825 0 8.75 0C3.91751 0 0 3.91751 0 8.75C0 13.5825 3.91751 17.5 8.75 17.5Z" fill="#00D200"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M11.5901 5.8335L12.8337 7.01388L7.87017 12.8335L4.66699 9.63847L5.81629 8.35614L7.77351 10.3084L11.5901 5.8335Z" fill="white"/> </g> </g> <defs> <clipPath id="clip0_6258_1500"> <rect width="17.5" height="17.5" fill="white"/> </clipPath> <clipPath id="clip1_6258_1500"> <rect width="17.5" height="17.5" fill="white"/> </clipPath> </defs> </svg></div><div class="review-slide-author-title"><strong>Greg A.</strong></div></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6792a50bfed5c3b229a8a1b7_logos_google.png" loading="lazy" alt="" class="review-slide-author-icon margin-0"/></div></div></div></div><div class="review-slide-wrap-2 swiper-slide"><div class="review-testimonial-title"><strong>Very transparent process</strong></div><div class="review-slide-text-sm">“Matthew did a great job on getting a very quick turnaround on a HELOC for my family. He laid the process out on our initial call and it was a seamless experience throughout. If you are looking for a mortgage or HELOC, give Lower a chance.”</div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa506814e33ad3d2518bec_jason.jpg" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa506814e33ad3d2518bec_jason-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa506814e33ad3d2518bec_jason-p-800.jpg 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa506814e33ad3d2518bec_jason.jpg 854w" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title-wrap"><div class="title-wrap"><div class="w-embed"><svg width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6258_1500)"> <g clip-path="url(#clip1_6258_1500)"> <path d="M8.75 17.5C13.5825 17.5 17.5 13.5825 17.5 8.75C17.5 3.91751 13.5825 0 8.75 0C3.91751 0 0 3.91751 0 8.75C0 13.5825 3.91751 17.5 8.75 17.5Z" fill="#00D200"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M11.5901 5.8335L12.8337 7.01388L7.87017 12.8335L4.66699 9.63847L5.81629 8.35614L7.77351 10.3084L11.5901 5.8335Z" fill="white"/> </g> </g> <defs> <clipPath id="clip0_6258_1500"> <rect width="17.5" height="17.5" fill="white"/> </clipPath> <clipPath id="clip1_6258_1500"> <rect width="17.5" height="17.5" fill="white"/> </clipPath> </defs> </svg></div><div class="review-slide-author-title">Jason T.</div></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649ae09d3bd1486afa96b3d4_trustpilot-logo.svg" loading="lazy" alt="Trustpilot Logo" class="review-slide-author-icon margin-0"/></div></div></div></div><div class="review-slide-wrap-2 swiper-slide"><div class="review-testimonial-title"><strong>Repeat customer with Lower, can't recommend enough<br/></strong></div><div class="review-slide-text-sm">“Three times now Nick has saved us thousands of dollars and helped secure us an outstanding rate or helped us with a HELOC. He makes himself available at all hours, is incredibly responsive, and makes the entire process effortless. He is an absolute pleasure to do business with.”</div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa50f858db9538fcbee5a7_ian.jpg" loading="lazy" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title-wrap"><div class="title-wrap"><div class="w-embed"><svg width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6258_1500)"> <g clip-path="url(#clip1_6258_1500)"> <path d="M8.75 17.5C13.5825 17.5 17.5 13.5825 17.5 8.75C17.5 3.91751 13.5825 0 8.75 0C3.91751 0 0 3.91751 0 8.75C0 13.5825 3.91751 17.5 8.75 17.5Z" fill="#00D200"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M11.5901 5.8335L12.8337 7.01388L7.87017 12.8335L4.66699 9.63847L5.81629 8.35614L7.77351 10.3084L11.5901 5.8335Z" fill="white"/> </g> </g> <defs> <clipPath id="clip0_6258_1500"> <rect width="17.5" height="17.5" fill="white"/> </clipPath> <clipPath id="clip1_6258_1500"> <rect width="17.5" height="17.5" fill="white"/> </clipPath> </defs> </svg></div><div class="review-slide-author-title"><strong>Ian S.</strong></div></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649ae09d3bd1486afa96b3d4_trustpilot-logo.svg" loading="lazy" alt="Trustpilot Logo" class="review-slide-author-icon margin-0"/></div></div></div></div><div class="review-slide-wrap-2 swiper-slide"><div class="review-testimonial-title"><strong>Great and easy to work with</strong></div><div class="review-slide-text-sm">“Brendan and the team at Lower were great. They were able to get my wife and I set up with a refinance and HELOC despite some unforeseen issues. He got our loan across the finish line and was very easy to work with.”<br/></div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa51d280ac7c9bd057f523_joe.jpg" loading="lazy" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title-wrap"><div class="title-wrap"><div class="w-embed"><svg width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6258_1500)"> <g clip-path="url(#clip1_6258_1500)"> <path d="M8.75 17.5C13.5825 17.5 17.5 13.5825 17.5 8.75C17.5 3.91751 13.5825 0 8.75 0C3.91751 0 0 3.91751 0 8.75C0 13.5825 3.91751 17.5 8.75 17.5Z" fill="#00D200"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M11.5901 5.8335L12.8337 7.01388L7.87017 12.8335L4.66699 9.63847L5.81629 8.35614L7.77351 10.3084L11.5901 5.8335Z" fill="white"/> </g> </g> <defs> <clipPath id="clip0_6258_1500"> <rect width="17.5" height="17.5" fill="white"/> </clipPath> <clipPath id="clip1_6258_1500"> <rect width="17.5" height="17.5" fill="white"/> </clipPath> </defs> </svg></div><div class="review-slide-author-title"><strong>Joe P.</strong></div></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6792a50bfed5c3b229a8a1b7_logos_google.png" loading="lazy" alt="" class="review-slide-author-icon margin-0"/></div></div></div></div><div class="review-slide-wrap-2 swiper-slide"><div class="review-testimonial-title"><strong>Loan process made easy!</strong></div><div class="review-slide-text-sm">“I was recently shopping around for a HELOC. Lower was recommended by a friend and I can see why! The process was made easy and Alexandria was super helpful! She was able to explain what my options were and take me through each step of the process. I would recommend <a href="http://Lower.com">Lower.com</a> and Alexandria to anyone!”<br/></div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa529c97cbfb84d83318c3_andrea.jpg" loading="lazy" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title-wrap"><div class="title-wrap"><div class="w-embed"><svg width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6258_1500)"> <g clip-path="url(#clip1_6258_1500)"> <path d="M8.75 17.5C13.5825 17.5 17.5 13.5825 17.5 8.75C17.5 3.91751 13.5825 0 8.75 0C3.91751 0 0 3.91751 0 8.75C0 13.5825 3.91751 17.5 8.75 17.5Z" fill="#00D200"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M11.5901 5.8335L12.8337 7.01388L7.87017 12.8335L4.66699 9.63847L5.81629 8.35614L7.77351 10.3084L11.5901 5.8335Z" fill="white"/> </g> </g> <defs> <clipPath id="clip0_6258_1500"> <rect width="17.5" height="17.5" fill="white"/> </clipPath> <clipPath id="clip1_6258_1500"> <rect width="17.5" height="17.5" fill="white"/> </clipPath> </defs> </svg></div><div class="review-slide-author-title"><strong>Andrea</strong></div></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649ae09d3bd1486afa96b3d4_trustpilot-logo.svg" loading="lazy" alt="Trustpilot Logo" class="review-slide-author-icon margin-0"/></div></div></div></div><div class="review-slide-wrap-2 swiper-slide"><div class="review-testimonial-title"><strong>Great HELOC Experience with Lower</strong></div><div class="review-slide-text-sm">“I wanted to apply for a HELOC while the market is hot in Columbus, Ohio, and Kyle helped the process seem easy and painless. He and Lower were able to give me the very best rate and money amount than any other lender! If I ever need a refi, I will definitely be returning to use them.”<br/></div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa54882dd5b206a62f90f7_mike.jpg" loading="lazy" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title-wrap"><div class="title-wrap"><div class="w-embed"><svg width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6258_1500)"> <g clip-path="url(#clip1_6258_1500)"> <path d="M8.75 17.5C13.5825 17.5 17.5 13.5825 17.5 8.75C17.5 3.91751 13.5825 0 8.75 0C3.91751 0 0 3.91751 0 8.75C0 13.5825 3.91751 17.5 8.75 17.5Z" fill="#00D200"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M11.5901 5.8335L12.8337 7.01388L7.87017 12.8335L4.66699 9.63847L5.81629 8.35614L7.77351 10.3084L11.5901 5.8335Z" fill="white"/> </g> </g> <defs> <clipPath id="clip0_6258_1500"> <rect width="17.5" height="17.5" fill="white"/> </clipPath> <clipPath id="clip1_6258_1500"> <rect width="17.5" height="17.5" fill="white"/> </clipPath> </defs> </svg></div><div class="review-slide-author-title"><strong>Jordan R.</strong></div></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649ae09d3bd1486afa96b3d4_trustpilot-logo.svg" loading="lazy" alt="Trustpilot Logo" class="review-slide-author-icon margin-0"/></div></div></div></div><div class="review-slide-wrap-2 swiper-slide"><div class="review-testimonial-title"><strong>Awesome experience!!</strong></div><div class="review-slide-text-sm">“Eric was very responsive, attentive to detail, and a pleasure to work with throughout the process. Midway through our HELOC process, they got swamped with business and Eric time and time again helped push it through the process and delivered updates and great customer service. Thank you!!”<br/></div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa540661467b9a26da76fb_scot.jpg" loading="lazy" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title-wrap"><div class="title-wrap"><div class="w-embed"><svg width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6258_1500)"> <g clip-path="url(#clip1_6258_1500)"> <path d="M8.75 17.5C13.5825 17.5 17.5 13.5825 17.5 8.75C17.5 3.91751 13.5825 0 8.75 0C3.91751 0 0 3.91751 0 8.75C0 13.5825 3.91751 17.5 8.75 17.5Z" fill="#00D200"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M11.5901 5.8335L12.8337 7.01388L7.87017 12.8335L4.66699 9.63847L5.81629 8.35614L7.77351 10.3084L11.5901 5.8335Z" fill="white"/> </g> </g> <defs> <clipPath id="clip0_6258_1500"> <rect width="17.5" height="17.5" fill="white"/> </clipPath> <clipPath id="clip1_6258_1500"> <rect width="17.5" height="17.5" fill="white"/> </clipPath> </defs> </svg></div><div class="review-slide-author-title"><strong>Scot C.</strong></div></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649ae09d3bd1486afa96b3d4_trustpilot-logo.svg" loading="lazy" alt="Trustpilot Logo" class="review-slide-author-icon margin-0"/></div></div></div></div><div class="review-slide-wrap-2 swiper-slide"><div class="review-testimonial-title"><strong>Amazing team</strong></div><div class="review-slide-text-sm">“With the help of Mr. Duc, the loan consultant, our HELOC loan process was simple and easy. He was available after hours and kept me informed with the progress. Also, Ms. Amber, our loan processor, was super responsive. Thank you both for working tirelessly to help close my loan.”<br/></div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa534e8ac6bffe5daf294f_jordan.jpg" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa534e8ac6bffe5daf294f_jordan-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67aa534e8ac6bffe5daf294f_jordan.jpg 531w" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title-wrap"><div class="title-wrap"><div class="w-embed"><svg width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_6258_1500)"> <g clip-path="url(#clip1_6258_1500)"> <path d="M8.75 17.5C13.5825 17.5 17.5 13.5825 17.5 8.75C17.5 3.91751 13.5825 0 8.75 0C3.91751 0 0 3.91751 0 8.75C0 13.5825 3.91751 17.5 8.75 17.5Z" fill="#00D200"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M11.5901 5.8335L12.8337 7.01388L7.87017 12.8335L4.66699 9.63847L5.81629 8.35614L7.77351 10.3084L11.5901 5.8335Z" fill="white"/> </g> </g> <defs> <clipPath id="clip0_6258_1500"> <rect width="17.5" height="17.5" fill="white"/> </clipPath> <clipPath id="clip1_6258_1500"> <rect width="17.5" height="17.5" fill="white"/> </clipPath> </defs> </svg></div><div class="review-slide-author-title"><strong>Mike</strong></div></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649ae09d3bd1486afa96b3d4_trustpilot-logo.svg" loading="lazy" alt="Trustpilot Logo" class="review-slide-author-icon margin-0"/></div></div></div></div></div><div class="container-large is-relative"><div class="review-slider-navigation swiper-navigation carousel"><div class="review-slider-arrows swiper-button-prevc"><div class="review-slider-arrows-icon w-embed"><svg width="19" height="19" viewBox="0 0 19 19" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M8 2.53333L2 9.49999C4.34315 12.2206 5.65685 13.746 8 16.4667" stroke="#1D1D23" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> <path d="M2.5 9.5L17 9.5" stroke="#1D1D23" stroke-width="2" stroke-linecap="round"/> </svg></div></div><div class="review-slider-arrows swiper-button-nextc"><div class="review-slider-arrows-icon w-embed"><svg width="19" height="19" viewBox="0 0 19 19" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M11 16.4667L17 9.50001C14.6569 6.77936 13.3431 5.25399 11 2.53334" stroke="#1D1D23" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> <path d="M16.5 9.5L2 9.5" stroke="#1D1D23" stroke-width="2" stroke-linecap="round"/> </svg></div></div></div></div></div></section><div class="section---mapbox-and-collection-list margin-small v2"><div id="calculator" class="anchor"></div><div class="container v25-5050 v25-heloc-hero"><div class="v25-5050-side v25-mobile-vert"><h1 id="old-heloc-calc-title" data-w-id="350e6d34-65da-e29e-0a03-99913cf3abc5" class="v25-h1-3-5em v25-heloc-hero">#1 HELOC Lender here for you.<span class="smoke v25-astrix">*</span></h1><h1 id="new-heloc-calc-title" data-w-id="817bbbde-1392-f86d-ba17-d28bb91010f0" class="v25-h1-3-5em v25-heloc-hero hide-block">A+ Rated HELOC Lender<span class="smoke v25-astrix">*</span></h1><p class="p-body-small v25-m-bot-2em max-25em">Renovate or pay off high-interest debt with the Lower™ HELOC. Over 30K five-star reviews.</p><div class="flex-v-left-center row-1em mobile-center"><a data-w-id="5b090248-c513-376d-d3a8-0b2ef6c0441d" href="https://app.lower.com/mortgage/lightspeed/heloc" class="button w-inline-block"><div class="button-content"><div>Apply now - As low as <span class="mortagage-rate-text-value">8.75</span>%</div><div style="width:0.7em" class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a><div 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. No commitment.</div></div></div></div><div class="v25-5050-side v25-heloc-cal"><div class="calc-card"><div class="w-embed"><div class="calc-wrap"> <div class="data-wrap" style="margin-bottom: .6em;position:relative;">  <div class="data-cont"> <svg style="transform: rotate(-90deg);" width="100%" height="Auto" viewBox="0 0 228 228" fill="none" xmlns="http://www.w3.org/2000/svg"> <g filter="url(#filter0_i_538_17027)"> <circle cx="113.578" cy="113.578" r="105.578" stroke="#FAFAFE" stroke-width="16" stroke-linecap="round"/> </g> <circle id="dataTop" cx="113.578" cy="113.578" r="105.578" stroke="#0061F8" stroke-width="16" stroke-linecap="round"/> <defs> <filter id="filter0_i_538_17027" x="0" y="0" width="227.156" height="232.824" filterUnits="userSpaceOnUse" color-interpolation-filters="sRGB"> <feFlood flood-opacity="0" result="BackgroundImageFix"/> <feBlend mode="normal" in="SourceGraphic" in2="BackgroundImageFix" result="shape"/> <feColorMatrix in="SourceAlpha" type="matrix" values="0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 127 0" result="hardAlpha"/> <feOffset dy="5.6686"/> <feGaussianBlur stdDeviation="5.6686"/> <feComposite in2="hardAlpha" operator="arithmetic" k2="-1" k3="1"/> <feColorMatrix type="matrix" values="0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.06 0"/> <feBlend mode="normal" in2="shape" result="effect1_innerShadow_538_17027"/> </filter> </defs> </svg> <div id="arrow-absolute"> <svg width="10" height="8" viewBox="0 0 10 8" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M6.21198 6.9C5.67312 7.83333 4.32597 7.83333 3.78711 6.9L1.01582 2.1C0.476965 1.16667 1.15054 5.78763e-07 2.22826 4.84546e-07L7.77082 0C8.84854 -9.42173e-08 9.52212 1.16667 8.98326 2.1L6.21198 6.9Z" fill="black"/> </svg> </div> <div class="data-absolute"> <div id="toast" class="funds-toast"><span id="toast-text">Max equity unlocked!</span><div class="toast-arrow"></div></div> <span id="label-funds">x</span> <span id="label-avail">Available to you*</span> </div> </div> </div> <div class="slider-cont"> <div class="range-cont" style="margin-bottom: .6em;"> <div class="range-label-cont"> <span class="range-label-text">Home Value</span> <div class="range-label-input-cont"> <span>$</span> <span id="val-hidden" class="hide"></span> <input id="input-val" class="range-label-value" onfocus="this.select();" type="number" data-type="val"> <span>K</span> <svg id="edit-val" class="edit-icon" width="12" height="12" viewBox="0 0 12 13" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M0.804531 12.8244C0.570944 12.88 0.367946 12.8216 0.195537 12.6492C0.023128 12.4768 -0.0352686 12.2738 0.0203473 12.0402L0.604314 9.20379L3.64094 12.2404L0.804531 12.8244ZM4.72545 11.4229L1.42187 8.11928L8.31267 1.22848C8.5685 0.972643 8.88551 0.844727 9.2637 0.844727C9.64189 0.844727 9.9589 0.972643 10.2147 1.22848L11.6163 2.63C11.8721 2.88583 12 3.20284 12 3.58103C12 3.95921 11.8721 4.27622 11.6163 4.53206L4.72545 11.4229Z" fill="#C4C4D2"/> </svg> </div> </div> <div class="input-cont"> <input class="heloc-range" type="range" min="0" max="999000" value="415000" step="1000" id="home-val" data-color="#6236FF" data-type="val"> <div class="input-progress-cont"><div class="input-progress" style="background-color:#6236FF;"></div></div> </div> </div> <div class="range-cont"> <div class="range-label-cont"> <span class="range-label-text">What You Owe</span> <div class="range-label-input-cont"> <span>$</span> <span id="owe-hidden" class="hide"></span> <input id="input-owe" class="range-label-value" onfocus="this.select();" type="number" data-type="owe"> <span>K</span> <svg id="edit-owe" class="edit-icon" width="12" height="12" viewBox="0 0 12 13" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M0.804531 12.8244C0.570944 12.88 0.367946 12.8216 0.195537 12.6492C0.023128 12.4768 -0.0352686 12.2738 0.0203473 12.0402L0.604314 9.20379L3.64094 12.2404L0.804531 12.8244ZM4.72545 11.4229L1.42187 8.11928L8.31267 1.22848C8.5685 0.972643 8.88551 0.844727 9.2637 0.844727C9.64189 0.844727 9.9589 0.972643 10.2147 1.22848L11.6163 2.63C11.8721 2.88583 12 3.20284 12 3.58103C12 3.95921 11.8721 4.27622 11.6163 4.53206L4.72545 11.4229Z" fill="#C4C4D2"/> </svg> </div> </div> <div class="input-cont"> <input class="heloc-range" type="range" min="0" max="999000" value="275000" step="1000" id="owe-val" data-color="#02DAE3" data-type="owe"> <div class="input-progress-cont"><div class="input-progress" style="background-color:#02DAE3;"></div></div> </div> </div> </div> </div> <style> :root { --border-gray: #E5E5EE; --card-bkg-white: #FFF; } .edit-icon { margin-left: .5em; cursor: pointer; } .funds-toast { background-color: black; color: white; font-size: .8em; padding: .3em 1em; border-radius: .65em; position: relative; display: flex; justify-content: center; margin-bottom: 0em; height: 0; opacity: 0; transition: margin-bottom .3s cubic-bezier(.05,1.53,.4,.97); } .funds-toast.show { height: auto; opacity: 1; margin-bottom: 1.5em; transition: margin-bottom .3s cubic-bezier(.05,1.53,.4,.97); } #toast-text { position: relative; z-index: 2; } .toast-arrow { height: 1em; width: 1em; position: absolute; bottom: -.5em; background-color: black; transform: rotate(45deg); } #label-funds { font-size: 2em; font-weight: 700; line-height: 1em; letter-spacing: -.02em; margin: 0 0 .15em 0; } #label-avail { font-size: 1em; font-weight: 400; font-family: Gotham-book,Arial,sans-serif; } .data-cont { position: relative; display: flex; justify-content: center; align-items: center; } .data-rates { position: absolute; left: 1em; bottom: 1em; z-index: 20; font-size: .9em; } .data-absolute { position: absolute; display: flex; flex-direction: column; align-items: center; justify-content: center; } .graphicIcon { height: 2em; width: 2em; } #arrow-absolute { position: absolute; width: calc(100% + 3em); height: calc(100% + 3em); display: flex; justify-content: center; transition: all .15s ease-out; } #dataTop { stroke-dasharray: 660; stroke-dashoffset: 330; } .range-label-cont { display: flex; justify-content: space-between; font-size: .9em; margin-bottom: .7em; } .range-label-text { font-family: Gotham,Arial,sans-serif; font-weight: 400; } .range-label-value, .hide { font: inherit; margin: 0; padding: 0; } .hide { position: absolute; height: 0; overflow: hidden; white-space: pre; } .range-label-input-cont { font-weight: 700; display: flex; justify-content: flex-end; } .range-label-value { font-weight: 700; border: none; color: #000; min-width: 2em; } .range-label-value:focus-visible { outline: none; } .range-cont { padding: 1em; border-radius: 1.3em; background-color: var(--card-bkg-white); border: solid 1px var(--border-gray); } .data-wrap { padding: 4em; border-radius: 1.3em; background-color: var(--card-bkg-white); border: solid 1px var(--border-gray); } .input-cont { box-shadow: inset 0px .25em .5em rgba(5, 9, 19, 0.06); height: 2.5em; /* Specified height */ border-radius: .75em; background-color: #F3F3F7; padding: .3em; display: flex; position: relative; } .input-progress-cont { position: absolute; right: .2em; top: .2em; left: .2em; bottom: .2em; z-index: 1; } .input-progress { width: 50%; height: 100%; border-radius: .5em; } /* The slider itself */ .heloc-range { -webkit-appearance: none; /* Override default CSS styles */ appearance: none; width: 100%; /* Full-width */ background-color: rgba(255, 99, 71, 0); outline: none; /* Remove outline */ opacity: 1; /* Set transparency (for mouse-over effects on hover) */ z-index: 2; } /* The slider handle (use -webkit- (Chrome, Opera, Safari, Edge) and -moz- (Firefox) to override default look) */ .heloc-range::-webkit-slider-thumb { -webkit-appearance: none; /* Override default look */ appearance: none; width: .6em; /* Set a specific slider handle width */ height: 1.8em; /* Slider handle height */ border-radius: 16px; background: #FFF; /* Blue background */ cursor: pointer; /* Cursor on hover */ transition: .4s cubic-bezier(.152, 2.937, .538, .966); } .heloc-range::-moz-range-thumb { width: .6em; /* Set a specific slider handle width */ height: 1.8em; /* Slider handle height */ background: #FFF; /* Blue background */ cursor: pointer; /* Cursor on hover */ transition: .4s cubic-bezier(.152, 2.937, .538, .966); } @media screen and (max-width: 767px) { .heloc-range::-moz-range-thumb { width: 1.8em; /* Set a specific slider handle width */ height: 1.8em; border-radius: .4em; } .heloc-range::-webkit-slider-thumb { width: 1.8em; /* Set a specific slider handle width */ height: 1.8em; border-radius: .4em; } } .heloc-range::-moz-range-thumb:hover { transform: scale(1.05); } .heloc-range::-webkit-slider-thumb:hover { transform: scale(1.05); } /* Chrome, Safari, Edge, Opera */ input::-webkit-outer-spin-button, input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; } /* Firefox */ input[type=number] { -moz-appearance: textfield; } </style></div></div></div></div></div><section class="section---mapbox-and-collection-list margin-small"><div class="container text-align-center"><h1 id="thats-more" class="v25-2-5em max-15em-center">That’s <span id="heloc-more" class="v25-heloc-more">$66,150</span><span data-w-id="bdace587-f037-b3ff-7d95-b64e715c9281" class="v25-heloc-info"> </span> more than almost any other lender.</h1><h1 id="get-more" class="v25-2-5em max-15em-center v25-equity-hide">Get more than almost any other lender.</h1><p class="p-body-small">Get the max. While others stop at 80% LTV, we offer up to 95%.</p><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>Up to 95% loan to value</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>Easy and fast access to cash</div></div></div><a data-w-id="ad378c5f-a150-3ec6-0d96-05336c6720dd" href="https://app.lower.com/mortgage/lightspeed/heloc" class="button w-inline-block"><div class="button-content"><div>Apply now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a><div class="v25-ub"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da2b8d62786b295db2e6b6_icon-going-down.svg" loading="lazy" alt="" class="icon-medium"/><div class="v25-1em v25-ash v25-medium">HELOC rates as low as <span class="mortagage-rate-text-value">8.75</span>%</div></div></div><div class="v25-spacer-6em heloc"></div><div id="only-at-lower-old" class="only-and-lower-grid hide"><div class="container v25-f-flex"><div class="v25-f-f-side right"><div class="v25-f-f-card v25-overflow-v"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da2d1c4b708eef9c4ea32b_heloc-tablet-guy-top.jpg" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da2d1c4b708eef9c4ea32b_heloc-tablet-guy-top-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da2d1c4b708eef9c4ea32b_heloc-tablet-guy-top-p-800.jpg 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da2d1c4b708eef9c4ea32b_heloc-tablet-guy-top.jpg 840w" alt="" class="v25-f-f-image heloc-top"/><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da2d1434d48eb665a6ccba_heloc-tablet-guy-bot.jpg" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da2d1434d48eb665a6ccba_heloc-tablet-guy-bot-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da2d1434d48eb665a6ccba_heloc-tablet-guy-bot.jpg 840w" alt="" class="v25-f-f-image"/><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da7c2dc7a9e411aae30b92_preapproved-opt.png" loading="lazy" alt=""You're approved"" class="v25-f-f-preapprove"/><div class="v25-f-f-content v25-f-f-lady v25-heloc"><h2 class="v25-h2 v25-heloc">No-impact credit check.</h2><p class="p-body-small f-f">Seeing if you qualify is super easy and won’t impact your credit.</p></div></div><div class="v25-f-f-card"><div class="v25-f-f-content left v25-heloc"><div class="ds24-pill">Pay less per month</div><h2 class="v25-h2 v25-heloc">Pay only interest.</h2><p class="p-body-small f-f v25-edit">A super low monthly payment so you can use that extra cash to get to a better place.</p></div><div class="v25-f-f-content v25-small-img"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da301e2d1708f586c537c0_heloc-interest-opt.jpg" loading="lazy" alt="" class="v25-f-f-image"/></div></div></div><div class="v25-f-f-side left"><div class="v25-f-f-card v25-fill"><div class="v25-f-f-content v25-fill"><div class="ds24-pill">More money</div><h2 class="v25-h2 v25-heloc">Borrow the max.</h2><p class="p-body-small">Access as much of your equity as possible—up to $500k with Lower.*</p></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da2c5e324639186afba73e_heloc-phone-opt.jpg" loading="eager" sizes="(max-width: 1114px) 100vw, 1114px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da2c5e324639186afba73e_heloc-phone-opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da2c5e324639186afba73e_heloc-phone-opt.jpg 1114w" alt="" class="v25-f-f-image v25-fill"/></div></div></div></div><div id="only-at-lower-new" class="only-at-lower-cards helco"><div class="container text-align-center content"><div class="flex-h-center col-1em row--25em bot-m-1em"><div class="h-xsmall weight-medium no-bot-m color-smoke mobile-last">“Quick and simple.”</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649af4b1e07ecbe198b9f317_mm-stars.svg" loading="eager" width="90" alt=""/><div class="h-xsmall weight-medium no-bot-m mobile-first"><span data-review-count="1">XX,XXX+</span> Five-Star Reviews</div></div><h1 class="h-xxlarge">Only at <span class="ds24-magic">Lower</span></h1></div><div class="v25-spacer-2em"></div><div class="container only-lower"><div class="only-at-lower-cards-wrap"><div class="home-lower-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67c5d8166fe57896dc23ac97_graphic.jpg" loading="lazy" sizes="(max-width: 607px) 100vw, 607px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67c5d8166fe57896dc23ac97_graphic-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67c5d8166fe57896dc23ac97_graphic.jpg 607w" alt="" class="thumbnail-large home"/><div class="simple-card-content lower"><h2 class="h-medium home">No-Impact Credit Check</h2><p class="p-body-small bot-m-1em only-lower">Seeing if you qualify is super easy and won’t impact your credit.</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 Now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div><div class="home-lower-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67c5d8164844f5f5381dfada_graphic%20(1).jpg" loading="lazy" sizes="(max-width: 607px) 100vw, 607px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67c5d8164844f5f5381dfada_graphic%20(1)-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67c5d8164844f5f5381dfada_graphic%20(1).jpg 607w" alt="" class="thumbnail-large home"/><div class="simple-card-content lower"><h2 class="h-medium home">Pay Only Interest</h2><p class="p-body-small bot-m-1em only-lower">A super low monthly payment so you can use that extra cash to get to a better place.</p><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Get Started</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div><div class="home-lower-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67c5d815f3fc675e4a912320_graphic.png" loading="lazy" sizes="(max-width: 608px) 100vw, 608px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67c5d815f3fc675e4a912320_graphic-p-500.png 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/67c5d815f3fc675e4a912320_graphic.png 608w" alt="" class="thumbnail-large home"/><div class="simple-card-content lower"><h2 class="h-medium home">Borrow The Max</h2><p class="p-body-small bot-m-1em only-lower">Access as much of your equity as possible—up to $500k with Lower.*</p><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Explore your Options</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div></div></section><div class="section---mapbox-and-collection-list"><div class="container v25-5050 v25-top-align v25-smaller"><div class="v25-5050-side"><div class="v25-heloc-graph-cont"><div data-w-id="61a14078-a061-87d2-dd0d-55e6ff5d35c1" data-is-ix2-target="1" class="v25-heloc-graph" data-animation-type="lottie" data-src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da78e37f8b4e77b3ee497d_heloc-graph-lottie.json" data-loop="0" data-direction="1" data-autoplay="0" data-renderer="svg" data-default-duration="2" data-duration="0"></div><div class="v25-heloc-legal">Based on a $300,000 home with $200,000 owed on the loan.</div></div><h1 class="v25-h1-3-5em v25-max-8-5em">Get the most out of your equity.</h1><p class="p-body-small bot-m-2-5em">Lower monthly payments and lower interest rates make paying off your debt or renovating your home actually possible. (That’s how we do Lower.)</p><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed/heloc" class="button w-inline-block"><div class="button-content"><div>Apply today</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="v25-5050-side"><div class="v25-funded-cont"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da7b98bb436a67a830cf10_funded-family-opt.jpg" loading="lazy" alt="" class="v25-funded-img"/><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da7c3c7f27d875b2341085_Frame%2010122158.png" loading="lazy" alt=""$8 billion funded"" class="v25-fund-pop"/></div><div class="v25-funded-quote"><p class="p-body-small"><span class="v25-quote-hang">“</span>Lower is Top Notch”</p><div class="v25-funded-review-name">David T</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6130d2b8c65c0a7f74d826ae_Stars.svg" loading="lazy" alt="" class="v25-funded-stars"/></div></div></div></div><section id="old-heloc-options" class="section---mapbox-and-collection-list"><div class="container"><h1 class="v25-h1 v25-center v25-no-bot-marg">Compare your options</h1><div class="text-w-link"><p class="p-body-small">Ready to get started?</p><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"><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="v25-spacer-4em"></div><div class="container small v25-compare"><div id="w-node-_34dc0176-e490-6963-6e94-7445398989ce-96f6440a" class="v25-cg"></div><div id="w-node-d2010c2a-9b3b-1b85-ee59-25482b0c45cf-96f6440a" class="v25-cg v25-center v25-top"><div class="bold">Personal Loan</div></div><div id="w-node-_952774d9-b4a4-a47b-286e-1464be295fcb-96f6440a" class="v25-cg v25-center v25-top"><div class="bold">Avg. Heloc</div></div><div id="w-node-_5d86aed0-68ce-4e8d-e56c-f1f07a56e738-96f6440a" class="v25-cg v25-center v25-card-top"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64234979214c09f62e3e3b66_v2-logo-refresh.svg" loading="lazy" alt="" class="v2-lower-logo v25-cg-logo"/></div><div id="w-node-_848bad37-3a97-ad98-c887-9d12122053f7-96f6440a" class="v25-cg v25-brd-bot"><div>Up to 95% LTV</div></div><div id="w-node-_90a6b79b-a082-4d63-67bf-739353c14aa5-96f6440a" class="v25-cg v25-center v25-brd-bot"><div>N/A</div></div><div id="w-node-_36072923-4b5b-0ff3-b05c-7d723eb99240-96f6440a" class="v25-cg v25-center v25-brd-bot"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/611294879faddd026461e3dd_Grey%20Null.svg" loading="lazy" alt="" class="v25-cg-icon"/></div><div id="w-node-_663ed408-ccd5-2892-5111-6cbbe409c035-96f6440a" class="v25-cg v25-center v25-card-mid v25-brd-bot"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/61129486cde67a247f61aeac_Green%20Check.svg" loading="lazy" alt="" class="v25-cg-icon"/></div><div id="w-node-_1585db1e-ce94-9bcd-41e1-f66bf7017672-96f6440a" class="v25-cg v25-brd-bot"><div>Interest Rate</div></div><div id="w-node-_4269a353-f011-7bd5-376f-b450e0393745-96f6440a" class="v25-cg v25-center v25-brd-bot"><div>Highest</div></div><div id="w-node-b7dd4088-7899-5d7e-efc8-1e2eaa071df0-96f6440a" class="v25-cg v25-center v25-brd-bot"><div>Average</div></div><div id="w-node-_5ebbb023-9c9a-38e5-9fd6-76a9f8da3260-96f6440a" class="v25-cg v25-center v25-card-mid v25-brd-bot"><div>Lower</div></div><div id="w-node-d52cddf4-135e-e474-62ae-1a039759c1ee-96f6440a" class="v25-cg v25-brd-bot"><div>Loan Term</div></div><div id="w-node-_28e55141-cbfa-1b00-fb1f-245845ae0839-96f6440a" class="v25-cg v25-center v25-brd-bot"><div>1-5 Years</div></div><div id="w-node-d8bcb77c-7479-37be-28ab-7eab1c196ebc-96f6440a" class="v25-cg v25-center v25-brd-bot"><div>10 Years</div></div><div id="w-node-ed73a6fc-9ebd-89ee-b9af-7f68ba4adafd-96f6440a" class="v25-cg v25-center v25-card-mid v25-brd-bot"><div>10 Years</div></div><div id="w-node-f8cc1d05-6a46-160a-7e81-70f0f38d248d-96f6440a" class="v25-cg v25-brd-bot"><div>Monthly Payments</div></div><div id="w-node-_8b66c0ca-1da7-7872-3d80-2b8d4c5dedb8-96f6440a" class="v25-cg v25-center v25-brd-bot"><div>Highest</div></div><div id="w-node-_34adb9f1-c3f5-562c-2aa7-d4277f8eca32-96f6440a" class="v25-cg v25-center v25-brd-bot"><div>Average</div></div><div id="w-node-a35c6649-66f2-804d-3f80-eb2675750ebe-96f6440a" class="v25-cg v25-center v25-card-mid v25-brd-bot"><div>Lower</div></div><div id="w-node-b02892af-ba5a-c3cb-8dae-4f6d7452529c-96f6440a" class="v25-cg v25-brd-bot"><div>Flexible Spending</div></div><div id="w-node-_83b6ff30-00e1-2d1e-339d-2c3984d9bab3-96f6440a" class="v25-cg v25-center v25-brd-bot"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/611294879faddd026461e3dd_Grey%20Null.svg" loading="lazy" alt="" class="v25-cg-icon"/></div><div id="w-node-_4b8f64a6-9cd2-8b6a-aef4-a5d4e2996831-96f6440a" class="v25-cg v25-center v25-brd-bot"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/61129486cde67a247f61aeac_Green%20Check.svg" loading="lazy" alt="" class="v25-cg-icon"/></div><div id="w-node-c86c7217-9746-67fb-b716-d8639e3b8eeb-96f6440a" class="v25-cg v25-center v25-card-mid v25-brd-bot"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/61129486cde67a247f61aeac_Green%20Check.svg" loading="lazy" alt="" class="v25-cg-icon"/></div><div id="w-node-_16599822-9401-842f-e2e1-16f4da20f63e-96f6440a" class="v25-cg v25-center v25-card-bot"><div class="mobile-hide"><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed/heloc" class="button w-inline-block"><div class="button-content"><div>Apply</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="v25-ub v25-cg-hide"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649af157a0debbf3c801beae_icon-lock-grey.svg" loading="lazy" alt="" class="icon-medium"/><div class="v25-1em v25-ash v25-medium">No commitment</div></div></div></div></section><section class="section---mapbox-and-collection-list hide-block"><div class="container text-align-center content"><h1 class="v25-h1 v25-best-quote"><span class="v25-mobile-quote left">“</span>Best. Mortgage. Ever.<span class="v25-mobile-quote">”</span></h1></div><div data-w-id="02183e5b-ec66-356c-93f1-c5b0ed620d38" class="new-reviews-container"><div class="review-grid-row _1"><div class="review-grid-card"><div class="v25-rg-content"><h2 class="v25-h3">Great Company to Work With</h2><p class="p-body-small">Lower helped our family with a HELOC and was extremely friendly, knowledgeable, and responsive. Despite a rapidly changing market, he guided us every step of the way.</p></div><div class="v25-rg-attb"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da430207a8b43fd6aa4380_Rectangle%203034.jpg" loading="lazy" alt="" class="v25-rg-img"/><div class="v25-rg-attb-txt"><div class="v25-review-name"><span class="v25-verify-check"> </span>Dakota M</div><div class="v25-verify">Trustpilot Review</div></div></div></div><div class="review-grid-card"><div class="v25-rg-content"><h2 class="v25-h3">Definitely recommend!</h2><p class="p-body-small">Lower.com helped lead us through the process of refinancing and HELOC. There were times when it got a little overwhelming, but Lower always stayed right on top of things and kept us informed...</p></div><div class="v25-rg-attb"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da4315c6b6445dda3e4f23_Rectangle%203039.jpg" loading="lazy" alt="" class="v25-rg-img"/><div class="v25-rg-attb-txt"><div class="v25-review-name"><span class="v25-verify-check"> </span>Gina S</div><div class="v25-verify">Trustpilot Review</div></div></div></div><div class="review-grid-card _3"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51ae74255ffb3270ff77_review-lrg-img-1-opt.jpg" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51ae74255ffb3270ff77_review-lrg-img-1-opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51ae74255ffb3270ff77_review-lrg-img-1-opt.jpg 1132w" alt="A happy Lower.com customer" class="v25-rg-bkg-img"/></div><div class="review-grid-card _4"><div class="v25-rg-content"><h2 class="v25-h3">Great company to work with</h2><p class="p-body-small">The whole process from start to finish was easy with Lower.com. My lender was always there and answered any questions I had and made it work for me to close.</p></div><div class="v25-rg-attb"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da435fb20aa28a28ca9ae1_Rectangle%203038.jpg" loading="lazy" alt="" class="v25-rg-img"/><div class="v25-rg-attb-txt"><div class="v25-review-name"><span class="v25-verify-check"> </span>Heather B</div><div class="v25-verify">Trustpilot Review</div></div></div></div></div><div class="review-grid-row _2"><div class="review-grid-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51ae793b2af929f3a736_review-lrg-img-2-opt.jpg" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51ae793b2af929f3a736_review-lrg-img-2-opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51ae793b2af929f3a736_review-lrg-img-2-opt.jpg 1132w" alt="A happy Lower.com customer" class="v25-rg-bkg-img"/></div><div class="review-grid-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51af6e8f58d4d3cf7f82_review-lrg-img-3-opt.jpg" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51af6e8f58d4d3cf7f82_review-lrg-img-3-opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51af6e8f58d4d3cf7f82_review-lrg-img-3-opt.jpg 1132w" alt="A happy Lower.com customer" class="v25-rg-bkg-img"/></div><div class="review-grid-card _3"><div class="v25-rg-content"><h2 class="v25-h3">Great HELOC Experience</h2><p class="p-body-small">The process was easy and painless. Lower was able to give me a great rate + a larger money amount than any other lender! If I ever need a refi, etc. I will be definitely returning to them.</p></div><div class="v25-rg-attb"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da4324f2389076b02d2678_Rectangle%203037.jpg" loading="lazy" alt="" class="v25-rg-img"/><div class="v25-rg-attb-txt"><div class="v25-review-name"><span class="v25-verify-check"> </span>Jordan R</div><div class="v25-verify">Trustpilot Review</div></div></div></div><div class="review-grid-card _4"><div class="v25-rg-content"><h2 class="v25-h3">Amazing Service</h2><p class="p-body-small">Connor was amazing throughout the entire cash out refinance process. He always kept us up to date with everything going on. He also always made sure he was available to answer any question we might have had.</p></div><div class="v25-rg-attb"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da43b3111a44b31adfeb0a_Rectangle%203042.jpg" loading="lazy" alt="" class="v25-rg-img"/><div class="v25-rg-attb-txt"><div class="v25-review-name"><span class="v25-verify-check"> </span>Mia M</div><div class="v25-verify">Trustpilot Review</div></div></div></div></div><div class="review-grid-row _3"><div class="review-grid-card"><div class="v25-rg-content"><h2 class="v25-h3">Easiest refi ever</h2><p class="p-body-small">Did all communication through text message. Signed all documents through an online portal. Easy. Loan just moved into processing phase. Everything is moving very quickly...</p></div><div class="v25-rg-attb"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da4338a0c05cbac96cf3e0_Rectangle%203035.jpg" loading="lazy" alt="" class="v25-rg-img"/><div class="v25-rg-attb-txt"><div class="v25-review-name"><span class="v25-verify-check"> </span>Greg A</div><div class="v25-verify">Trustpilot Review</div></div></div></div><div class="review-grid-card"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51aeadb4364b9265df2c_review-lrg-img-4-opt.jpg" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51aeadb4364b9265df2c_review-lrg-img-4-opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51aeadb4364b9265df2c_review-lrg-img-4-opt.jpg 1132w" alt="A happy Lower.com customer" class="v25-rg-bkg-img"/></div><div class="review-grid-card _3"><div class="v25-rg-content"><h2 class="v25-h3">Highly recommend!</h2><p class="p-body-small">The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.</p></div><div class="v25-rg-attb"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da4343d395c6f5e8674cab_Rectangle%203032.jpg" loading="lazy" alt="" class="v25-rg-img"/><div class="v25-rg-attb-txt"><div class="v25-review-name"><span class="v25-verify-check"> </span>Ranae T</div><div class="v25-verify">Trustpilot Review</div></div></div></div><div class="review-grid-card _4"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51aeb99ade0fad1f3776_review-lrg-img-5-opt.jpg" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51aeb99ade0fad1f3776_review-lrg-img-5-opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c51aeb99ade0fad1f3776_review-lrg-img-5-opt.jpg 1132w" alt="A happy Lower.com customer" class="v25-rg-bkg-img"/></div></div></div><div class="container text-align-center content small"><h1 class="v25-h1 v25-3-5em v25-edit-6"><span data-review-count="1">XX,XXX+</span> five star reviews and counting.</h1><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/heloc" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Apply today</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="container v25-rf-cont"><div class="v25-rf-side"><div class="v25-rf-collection w-dyn-list"><div role="list" class="v25-rf-list w-dyn-items"><div role="listitem" class="v25-rf-item w-dyn-item"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6130d2b8c65c0a7f74d826ae_Stars.svg" loading="lazy" alt="" class="v25-rf-stars"/><p class="p-body-small">Lower was very responsive, attentive to detail, and a pleasure to work with throughout the process.</p><div class="v25-rf-attb"><div class="v25-verify-check v25-rf"></div><div class="v25-review-name">Scott C</div><div class="v25-verify">Trustpilot 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">Refinancing your home can be a frightening experience. Lower was an answer to prayer. My advisor, Jordan, was amazing! He thoroughly explained each step along the way and was always by his phone if I had questions. He was so kind and caring - he made the entire process simple and set all my fears to rest. For anyone considering a home refinance, I would highly recommend Lower.com.</p><div class="v25-rf-attb"><div class="v25-verify-check v25-rf"></div><div class="v25-review-name">Sherrie T</div><div class="v25-verify">Trustpilot 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">I recently completed a refinance with lower LLC. I had the pleasure of working with Morgan Marvar. He was professional and always responded to my questions and concerns in a prompt manner. He made sure to let me know where we were in the refinance process, and what was going to happen next. I will most certainly be working with Lower and Morgan again.</p><div class="v25-rf-attb"><div class="v25-verify-check v25-rf"></div><div class="v25-review-name">Tennille P</div><div class="v25-verify">Trustpilot 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 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 is my 2nd refi with Matthew Mikel! He is excellent. He is responsive and informative. He is calm and re-assuring. And a bonus, he knows what he is talking about. He can be creative and explain things to you in a way they make sense. Thank you Matthew - we appreciate your service and would definitely recommend you again. Additionally, when it's time to purchase our next home, you will be our first call!!!</p><div class="v25-rf-attb"><div class="v25-verify-check v25-rf"></div><div class="v25-review-name">Gina</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">The process was easy. Arianna Graves worked very fast to get my loan closed in record timing! I was very impressed with the time. They're rates were excellent!</p><div class="v25-rf-attb"><div class="v25-verify-check v25-rf"></div><div class="v25-review-name">Shalette</div><div class="v25-verify">Verified</div></div></div></div></div><div class="v25-rf-fadewrap"></div><div data-w-id="02183e5b-ec66-356c-93f1-c5b0ed620dd7" class="v25-load-below v25-reviews">See more reviews<span class="v25-arrow-down"> </span></div></div><div class="v25-rf-side right"><div data-video-to-play="724579175" data-w-id="02183e5b-ec66-356c-93f1-c5b0ed620ddc" class="v25-vv-card v25-video-ask v25-video-open"><div class="v25-play-b"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649b25af70996992b3517963_v25-play-icon.svg" loading="lazy" alt="" class="v25-play"/></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649c6d9b0bca09c6575201b1_video-ask-bkg-opt.jpg" loading="lazy" alt="A video review from Paul M. who was very happy with his refinance experience" class="bkg-image"/></div><div class="v25-rg-attb-txt"><div class="v25-review-name"><span class="v25-verify-check"> </span>Paul M.</div><div class="v25-verify">Lower.com Refinance</div></div></div></div></section><div id="old-heloc-reviews-bottom"><section class="section---mapbox-and-collection-list"><div class="container text-align-center x-small"><div class="flex-h-center col-1em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66c6031f90cda484b852aff9_reviews%20graphic.png" loading="lazy" width="126" alt=""/><div class="h-xsmall no-bot-m"><span data-review-count="1">30,000</span> Five-Star Reviews</div></div><div class="spacer-2rem"></div><h1 class="h-xxlarge">Don't take our word for it.</h1><div class="text-w-link"><div>Ready to take the next step?</div><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><div class="link-text">Apply today</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div><div class="spacer-6rem"></div><div class="container"><div class="split align-top"><div class="split-side"><div class="flex-v-full-top row-1rem"><div class="review-side-card"><div class="review-side-top"><div class="flex-h-center-left col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66c61d65e293582db8dee04a_editor_choice.svg" loading="lazy" alt=""/><div class="label-small no-bot-m">Lower.com—Top Mortgage Lender</div></div></div><div class="review-side-content"><div class="h-xlarge no-bot-m"><span data-review-score-trustpilot="1">4.8</span><sup class="review-small-number">/5</sup></div><div class="flex-v-left-center row--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65bbe44b36667cbc57a1450c_reviews-logo-trustpilot.svg" loading="lazy" alt=""/><p class="p-body-small">Based on <a href="https://www.trustpilot.com/review/lower.com" class="weight-medium color-lightblue ds24-underline"><span data-review-count-trustpilot="1">1,475</span> reviews</a></p></div></div></div><div class="review-side-card"><div class="review-side-content"><div class="h-xlarge no-bot-m"><span data-review-score-google="1">4.9</span><sup class="review-small-number">/5</sup></div><div class="flex-v-left-center row--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65bbe44b8e2830b3483ab503_reviews-logo-google.svg" loading="lazy" alt=""/><p class="p-body-small">Based on <a href="https://g.co/kgs/pAVqjVj" class="weight-medium color-lightblue ds24-underline"><span data-review-count-google="1">1,475</span> reviews</a></p></div></div></div><div class="review-side-card"><div class="review-side-content"><div class="h-xlarge no-bot-m"><span data-review-score-zillow="1">4.9</span><sup class="review-small-number">/5</sup></div><div class="flex-v-left-center row--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65bbe44b440276f74ce4d0d4_reviews-logo-zillow.svg" loading="lazy" alt=""/><p class="p-body-small">Based on <a href="https://www.zillow.com/lender-profile/lower/" class="weight-medium color-lightblue ds24-underline"><span data-review-count-zillow="1">1,475</span> reviews</a></p></div></div></div><div class="review-side-card"><div class="review-side-content"><div class="h-xlarge no-bot-m"><span data-review-score-bankrate="1">4.9</span><sup class="review-small-number">/5</sup></div><div class="flex-v-left-center row--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65bbe44b17ee15b41776b437_reviews-logo-bankrate.svg" loading="lazy" alt=""/><p class="p-body-small">Based on <a href="https://www.bankrate.com/mortgages/reviews/lower/#customer-ratings-and-reviews" class="weight-medium color-lightblue ds24-underline"><span data-review-count-bankrate="1">1,475</span> reviews</a></p></div></div></div></div></div><div class="split-side"><div class="flex-v-full-top row-4rem"><div><h2 class="h-xsmall">Highly recommend!<br/></h2><p class="p-body-small bot-m-2-5em">The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.</p><div><div class="flex-h-center-left col--5em bot-m--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/641db97826c169a89e651b13_v2-review-check.svg" loading="lazy" alt=""/><div class="h-xxsmall no-bot-m">Ranae T.</div></div><p class="p-body-small">Trustpilot Review</p></div></div><div><h2 class="h-xsmall">Perfect for 1st time homebuyers!</h2><p class="p-body-small bot-m-2-5em">As a brand new (never-EVER-thought-about-owning-a-house-before) home owner, I was SO relieved that Lower helped to make the process EXPONENTIALLY easier (and apparently much faster) than I expected. Let Lower help you find your way to your new home. You won't regret it!</p><div><div class="flex-h-center-left col--5em bot-m--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/641db97826c169a89e651b13_v2-review-check.svg" loading="lazy" alt=""/><div class="h-xxsmall no-bot-m">Dara C.</div></div><p class="p-body-small">Google Review</p></div></div><div><h2 class="h-xsmall">Excellent service. 👏</h2><p class="p-body-small bot-m-2-5em">Lower did an excellent job getting the deal done. They are in constant communication and always available for questions. Lower made everything stress free!</p><div><div class="flex-h-center-left col--5em bot-m--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/641db97826c169a89e651b13_v2-review-check.svg" loading="lazy" alt=""/><div class="h-xxsmall no-bot-m">Dana S.</div></div><p class="p-body-small">Zillow Review</p></div></div><div><h2 class="h-xsmall">Excellent loan officer and service.</h2><p class="p-body-small bot-m-2-5em">I worked with Lower to secure a loan for our first house purchase. They were informative, helpful, communicative and nice to boot! Got us a great loan and helped us cross the finish line on the purchase. A++</p><div><div class="flex-h-center-left col--5em bot-m--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/641db97826c169a89e651b13_v2-review-check.svg" loading="lazy" alt=""/><div class="h-xxsmall no-bot-m">Ethan</div></div><p class="p-body-small">Bankrate Review</p></div></div></div></div></div></div></section></div><section id="new-heloc-reviews-bottom" class="helco-review-section-new hide-block"><div class="container-large"><div class="home-review---wrap"><div class="reviews-block-header"><div class="reviews-block-header---top"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66c6031f90cda484b852aff9_reviews%20graphic.png" loading="lazy" alt="" class="image-5"/><div class="reviews-block-header---top-text">Trusted by over 30,000 customers across the U.S.</div></div><h2 class="h-xlarge no-bot-m text-align-center">What our customers say</h2><div class="review-button-wrap"><div class="small-text text-align-center">Ready to take the next step?</div><a id="home-new-hero-cta" data-w-id="0c4e082a-77ca-04d8-715a-a0a16d0e3656" href="https://app.lower.com/mortgage/lightspeed" class="button review w-inline-block"><div class="button-content"><div>Get Started Today</div><div style="width:0.7em" class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div><div id="reviewslider" class="review-slider swiper"><div class="swiper-wrapper"><div class="review-slide-wrap swiper-slide"><div class="review-slide-text">"The service I received was <span class="color-pink-purple">top notch</span>. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process."</div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da4343d395c6f5e8674cab_Rectangle%203032.jpg" loading="lazy" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title">Ranae T</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649ae09d3bd1486afa96b3d4_trustpilot-logo.svg" loading="lazy" alt="Trustpilot Logo" class="review-slide-author-icon"/></div></div></div><div class="review-slide-wrap swiper-slide"><div class="review-slide-text">"Connor was amazing throughout the entire <span class="color-pink-purple">cash out refinance</span> process. He always kept us up to date with everything going on. He also always made sure he was available to answer any question we might have had."</div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da43b3111a44b31adfeb0a_Rectangle%203042.jpg" loading="lazy" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title">Mia M</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649ae09d3bd1486afa96b3d4_trustpilot-logo.svg" loading="lazy" alt="Trustpilot Logo" class="review-slide-author-icon"/></div></div></div><div class="review-slide-wrap swiper-slide"><div class="review-slide-text">"Lower was able to get me approved and in my new home as a <span class="color-pink-purple">first time homebuyer</span> with hardly any issues. My Loan Advisor answered all my questions, and kept me informed throughout the process. Highly recommended!"</div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da4324f2389076b02d2678_Rectangle%203037.jpg" loading="lazy" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title"><strong>Thien D</strong></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649ae09d3bd1486afa96b3d4_trustpilot-logo.svg" loading="lazy" alt="Trustpilot Logo" class="review-slide-author-icon"/></div></div></div><div class="review-slide-wrap swiper-slide"><div class="review-slide-text">"Lower.com helped lead us through the process of refinancing and HELOC. There were times when it got a little overwhelming, but Lower always stayed right on top of things and <span class="color-pink-purple">kept us informed</span>..."</div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da4315c6b6445dda3e4f23_Rectangle%203039.jpg" loading="lazy" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title">Gina S</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649ae09d3bd1486afa96b3d4_trustpilot-logo.svg" loading="lazy" alt="Trustpilot Logo" class="review-slide-author-icon"/></div></div></div><div class="review-slide-wrap swiper-slide"><div class="review-slide-text">"The whole process <span class="color-pink-purple">from start to finish was easy</span> with Lower.com. My lender was always there and answered any questions I had and made it work for me to close."</div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/64da435fb20aa28a28ca9ae1_Rectangle%203038.jpg" loading="lazy" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title"><strong>Heather B</strong></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/649ae09d3bd1486afa96b3d4_trustpilot-logo.svg" loading="lazy" alt="Trustpilot Logo" class="review-slide-author-icon"/></div></div></div><div class="review-slide-wrap swiper-slide"><div class="review-slide-text">"I was very happy with Lower and the entire refinancing experience. You can tell Lower <span class="color-pink-purple">really cares about the customer</span> and wants to make the experience as good as possible for the customer."</div><div class="review-slide-bottom"><div class="review-slide-author"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6792b9d1e2b43e4f96f5d508_60a2c51abd781c82196cec0c_Profile-3-F.jpg" loading="lazy" alt="" class="review-slide-author-pic"/><div class="review-slide-author-title"><strong>Marchelle B</strong></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6792a50bfed5c3b229a8a1b7_logos_google.png" loading="lazy" alt="" class="review-slide-author-icon"/></div></div></div></div><div class="review-slider-navigation swiper-navigation"><div class="review-slider-arrows swiper-button-prev"><div class="review-slider-arrows-icon w-embed"><svg width="19" height="19" viewBox="0 0 19 19" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M8 2.53333L2 9.49999C4.34315 12.2206 5.65685 13.746 8 16.4667" stroke="#1D1D23" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> <path d="M2.5 9.5L17 9.5" stroke="#1D1D23" stroke-width="2" stroke-linecap="round"/> </svg></div></div><div class="review-slider-arrows swiper-button-next"><div class="review-slider-arrows-icon w-embed"><svg width="19" height="19" viewBox="0 0 19 19" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M11 16.4667L17 9.50001C14.6569 6.77936 13.3431 5.25399 11 2.53334" stroke="#1D1D23" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/> <path d="M16.5 9.5L2 9.5" stroke="#1D1D23" stroke-width="2" stroke-linecap="round"/> </svg></div></div></div></div><div class="reviews-card-block-wrap-helco"><div class="reviews-card-block---left"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6130d2b8c65c0a7f74d826ae_Stars.svg" loading="lazy" width="Auto" alt="" class="star-rating"/><h2 class="review-card-title">Over 30,000 five star reviews and counting</h2></div><div class="review-callouts"><div class="review-callout"><div class="review-callout---rating">4.8</div><div class="review-callout---service"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6792a50bc0c4c76ecfacf299_tp.png" loading="lazy" alt=""/><div class="small-text-white">2,500+ reviews</div></div></div><div class="review-callout"><div class="review-callout---rating">4.9</div><div class="review-callout---service"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6792a50bd8e2bdda25b05995_Zillow_logo.svg%201.png" loading="lazy" alt=""/><div class="small-text-white">9,300+ reviews</div></div></div><div class="review-callout"><div class="review-callout---rating">4.9</div><div class="review-callout---service"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6792a50b06215caf7a3eb21f_logo%202.png" loading="lazy" alt=""/><div class="small-text-white">28,800+ reviews</div></div></div><div class="review-callout"><div class="review-callout---rating">4.9</div><div class="review-callout---service"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6792a50bfed5c3b229a8a1b7_logos_google.png" loading="lazy" alt=""/><div class="small-text-white">4,300+ reviews</div></div></div></div></div></div><div class="bottom-text">*<em>Lower is rated A+ by the </em><a target="_blank" href="https://www.bbb.org/us/oh/new-albany/profile/mortgage-lenders/lowercom-0302-70137197"><em>Better Business Bureau (BBB)</em></a><em>. Rating is based on BBB’s independent criteria, including complaint history, transparency, and business practices.</em></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" aria-current="page" class="large-footer-link w--current">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 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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 bottom w-richtext"><p>Rates, terms, and qualifying details not applicable to stand-alone HELOC options. A HELOC combination product (or HELOC Combo) is a combination transaction of refinancing your existing mortgage at the same time as obtaining a subordinate HELOC loan. Its primary purpose is to allow our customers to borrow additional money in order to qualify for a main mortgage without paying for private mortgage insurance and/or contribute towards closing costs.</p><p>Lower home equity line of credit (HELOC) annual percentage rate (APR) is variable and is based on the value of an index plus a margin. The index is the highest rate of interest identified as the 'Prime Rate' in the 'Money Rates' section of the Wall Street Journal.</p><p>*Your APR may be higher and will be based on the variable-rate index value in effect at the time of account opening, your credit qualifications, amount of the line of credit, Loan-to-Value (LTV) ratio, and type of property. Your APR will not exceed 18% and your APR may not drop below 4%.</p><p>**Maximum LTV and loan amount sought dependent on borrower eligibility, and limited to properties located within specific states and counties. Product is only available in states where Lower is licensed (see nmlsconsumeraccess.org link below). Please call for complete details. $15,000 minimum loan amount required. No annual fee. HELOC transactions are subject to a 1% origination fee. Borrower is responsible for paying required government taxes and fees at closing. By entering in your phone number and email address, and clicking “Let's get started”, you agree that Lower may contact you via an automated telephone dialing system, text message, and email with offers and other information. Phone number is required. Please complete the required field or call to apply at 833-519-9579. You are not required to consent in order to obtain a loan.</p><p>Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required as well.</p><p>Please consult your tax advisor regarding the deductibility of interest.</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">4/7/2025</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">8.375</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 data-w-id="cf396fca-00ff-eabb-0e5a-8efe835ba2bd" style="background-color:rgba(0,0,0,0)" class="v25-video-player"><div data-w-id="cf396fca-00ff-eabb-0e5a-8efe835ba2be" style="-webkit-transform:translate3d(0, 5em, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-moz-transform:translate3d(0, 5em, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-ms-transform:translate3d(0, 5em, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);transform:translate3d(0, 5em, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);opacity:0" class="v25-video-frame w-embed w-iframe"><iframe id="video-frame" src="about:blank" width="100%" height="100%" frameborder="0" allow=""></iframe></div><div data-w-id="cf396fca-00ff-eabb-0e5a-8efe835ba2bf" style="opacity:0" 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><div style="background-color:rgba(0,0,0,0)" class="v25-heloc-info-cont"><div style="-webkit-transform:translate3d(0, 5em, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-moz-transform:translate3d(0, 5em, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);-ms-transform:translate3d(0, 5em, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);transform:translate3d(0, 5em, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);opacity:0" class="v25-heloc-calc-info-card"><div class="v25-hci-left"><div>Our Calculations</div><p class="p-body-small">Based on the information inside of the calculator, with a home value of <span id="hci-val">$437K</span> and <span id="hci-owe">$252K</span> left on the loan.</p></div><div class="v25-hci-right"><div class="v25-hci-right-section"><div class="v25-small-label">With Lower - 95% LTV</div><div id="hci-95" class="v25-hci-number">$161,000</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/641db97826c169a89e651b13_v2-review-check.svg" loading="lazy" alt="" class="v25-hci-check"/></div><div class="v25-hci-right-section"><div class="v25-small-label">Others - 80% LTV</div><div id="hci-80" class="v25-hci-number v25-grey">$97,000</div></div></div><div data-w-id="c0fff843-32fa-d46d-4b1f-1fcd7601d3af" class="v25-popup-close"><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></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.9dda56927fd67136.js" type="text/javascript"></script><script src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/js/webflow.64d666f5.3aa2a88cc1eeb2d9.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')); 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</script> <script> const toast = document.getElementById("toast"); const toastTxt = document.getElementById("toast-text"); const sliderVal = document.getElementById("home-val"); const sliderOwe = document.getElementById("owe-val"); var mediaSize = window.matchMedia("(max-width: 767px)"); var sliderPadding = "1em"; const valMax = sliderVal.max; const valMin = sliderVal.min; const oweMax = sliderOwe.max; const oweMin = sliderOwe.min; const labelValField = document.getElementById("input-val"); const labelValHidden = document.getElementById("val-hidden"); const labelOweField = document.getElementById("input-owe"); const labelOweHidden = document.getElementById("owe-hidden"); const labelFundsAvail = document.getElementById("label-funds"); const labelFunds80 = document.getElementById("heloc-more"); const graphPrime = document.getElementById("dataTop"); const dataArrow = document.getElementById("arrow-absolute"); const editVal = document.getElementById("edit-val"); const editOwe = document.getElementById("edit-owe"); const thatsMore = document.getElementById("thats-more"); const getMore = document.getElementById("get-more"); const hciVal = document.getElementById("hci-val"); const hciOwe = document.getElementById("hci-owe"); const hci95 = document.getElementById("hci-95"); const hci80 = document.getElementById("hci-80"); const minFunds = 0; const maxFunds = 500000; var dataHomeVal = 350000; var dataHomeOwe = 200000; var dataFundsAvail = (dataHomeVal * .95) - dataHomeOwe; var dataFunds80 = (dataHomeVal * .80) - dataHomeOwe; function updateSlider(sliderName) { var sliderData = sliderName.getAttribute("data-type"); var sliderValue = sliderName.value; updateCalculation(sliderData, sliderValue); updateSliderGraphics(); updateLabels(); updateGraphics(); labelResize(); } function updateInput(inputName) { var inputData = inputName.getAttribute("data-type"); var inputValue = (inputName.value) * 1000; updateCalculation(inputData, inputValue); updateSliderValues(); updateSliderGraphics(); updateLabels(); updateGraphics(); 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