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-webkit-box-orient: vertical; overflow: hidden; text-overflow: ellipsis; } } .learn-post__info h4 { text-wrap: auto; } </style> <link rel="canonical" href="https://lower.com/refinance"> </head><body><div class="w-embed w-iframe"> <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-5LQVTCM" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript> </div><div style="display:flex;opacity:1" class="subtle-loader"></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 class="ds24-nav"><div class="ds24-nav-content-desktop"><div class="ds24-nav-left"><a href="/" class="ds24-nav-logo-link w-inline-block"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6758a8acb8146ea1c6db1323_logo-lower.svg" loading="lazy" alt="" class="ds24-nav-logo"/></a></div><div id="header-menu" class="ds24-nav-mid-new"><div class="ds24-nav-link-container"><div class="ds24-nav-link"><div class="ds24-nav-link-content"><div id="home_equity_link_text" class="link-text dropdown new-nav">Tap into home equity</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="icon-xsmall"/></div><div class="ds24-link-dropdown-wrap new-nav center-align"><div class="ds24-link-dropdown new-nav"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow use-my center-align"/><div class="ds24-dropdown-link-list new-nav"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/home-equity/heloc" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f15c185886ce204131ed_HELOC.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">HELOC</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/home-equity/home-equity-loans" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f0f3636cdda726faa4d2_Learn-About-Refinancing.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Home Equity Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/home-equity/cash-out-refinance" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f1930e43326a1fbfd85b_Cash-Out-Refinance.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Cash-Out-Refinance</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/home-equity" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f20db3a3615fe8609de4_Learn-About-Using-Home-Equity.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Learn About Using Home Equity</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div class="ds24-dropdown-cta smaller-content"><div class="ds24-dropdown-cta-content"><div class="h-xsmall bot-m--25em">Ready to tap into your home's equity?</div><p class="p-body-small bot-m--5em">Access funds for renovations, debt consolidation, or big goals with ease.</p></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/purchase" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div><a href="/home-equity" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link"><div data-w-id="75cb73af-5095-b907-ba2f-cffcf3091232" class="ds24-nav-link-content"><div class="link-text dropdown new-nav">Buy a Home</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="icon-xsmall"/></div><div class="ds24-link-dropdown-wrap new-nav center-align"><div class="ds24-link-dropdown new-nav"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow buy-a-home center-align"/><div class="ds24-dropdown-link-list new-nav"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/finance" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727efa4cfac7bdc9c40f1d5_Learn-About-Buying-A-Home.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Learn About Buying A Home</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div 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Let’s make homeownership a reality.</p></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/purchase" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div><a href="/finance" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link"><div class="ds24-nav-link-content"><div class="link-text dropdown new-nav">Lower My Rate</div><img 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data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/lower-my-rate" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f0f3636cdda726faa4d2_Learn-About-Refinancing.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Learn About Refinancing</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div class="ds24-dropdown-cta"><div class="ds24-dropdown-cta-content"><div class="h-xsmall bot-m--25em">Looking to refinance?</div><p class="p-body-small bot-m--5em">Simplify the process and save with competitive rates tailored to your goals.</p></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/purchase" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div><a href="/lower-my-rate" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link"><div class="ds24-nav-link-content"><div class="link-text dropdown new-nav">All Loan Options</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="icon-xsmall"/></div><div class="ds24-link-dropdown-wrap new-nav center-align"><div class="ds24-link-dropdown new-nav"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow all-loan-options center-align"/><div class="ds24-dropdown-link-list new-nav"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/conventional-home-loans" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f0c77344b7e751843f91_Rate-Term-Refinance.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Conventional Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/adjustable-rate-mortgage" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f30ea740db51da7a37b1_Adjustable-Rate-Mortgage.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Adjustable-Rate Mortgage</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/home-improvement-loans" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f4a1314ab914c1880c0a_USDA-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Home Improvement Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/debt-consolidation-loans" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f4b89ee5cba2b8e35338_DSCR-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Debt Consolidation Loan</div></div></a></div></div><div class="ds24-dropdown-link-list new-nav smaller-content"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/jumbo-loan" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f15c185886ce204131ed_HELOC.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Jumbo Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/va-loan" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f47dbd68ce867469dee7_VA-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">VA Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/fha-loan" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f32f0e43326a1fc1064e_FHA-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">FHA Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/home-equity/home-equity-loans" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f35e4a6b850916a39b1a_Home-Equity-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Home Equity Loan</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div class="ds24-dropdown-cta smaller-content"><div class="ds24-dropdown-cta-content"><div class="h-xsmall bot-m--25em">Ready to apply for your loan?</div><p class="p-body-small bot-m--5em">We connect 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Give us a call and we’ll sort it out.</p><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="tel:18339202273" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f87c8b2e764bb2fe69961_icon-phone.svg" loading="lazy" alt="Phone Icon" class="small-icon link"/><div class="link-text">(833) 920-2273</div></div></a></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="/care" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6570beb3ae3f9a5b42da9323_icon-help-chat.svg" loading="lazy" alt="Support Icon" class="small-icon link"/><div class="link-text">Support Team</div></div></a></div></div></div></div></div><a data-w-id="eb389ffc-6cd9-aa1d-9587-2797e5b8dfb9" href="https://app.lower.com/mortgage/lightspeed" class="button nav blue-10 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{ console.log(posthog.getFeatureFlag('january-2025---equity-navigation')); if (posthog.getFeatureFlag('january-2025---equity-navigation') == 'test') { document.getElementById('home_equity_link_text').textContent = "Tap into home equity"; } else{ document.getElementById('home_equity_link_text').textContent = "Use My Home's Equity"; } });*/ </script></div></div><div class="top-fade-cont"><div class="top-fade"></div></div><div id="ab-refi-1-test" class="ab-refi-test"><div class="section---mapbox-and-collection-list hero-top"><div class="container large"><div class="split"><div class="split-content split-small tablet-center"><h1 class="h-xlarge">Lower payments. <br/><span class="ds24-magic">Save thousands.</span></h1><p class="p-body-medium bot-m-2em">Clear, easy & affordable refinancing from the comfort of your home.</p><div class="flex-v-left-center row-1em mobile-center"><a data-w-id="ad378c5f-a150-3ec6-0d96-05336c6720dd" href="https://app.lower.com/mortgage/lightspeed" class="button 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No commitment.</div></div></div></div><div class="mobile-hero-fill"></div><div class="split-content split-small mobile-first"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c11b62a5c7b652065ed8a8_test-refi-img-mobile-opt.jpg" loading="lazy" sizes="100vw" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c11b62a5c7b652065ed8a8_test-refi-img-mobile-opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c11b62a5c7b652065ed8a8_test-refi-img-mobile-opt.jpg 666w" alt="" class="img-mobile"/><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c10c0694d491289aedf008_test-refi-img-opt.jpg" loading="lazy" sizes="(max-width: 934px) 100vw, 934px" srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c10c0694d491289aedf008_test-refi-img-opt-p-500.jpg 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c10c0694d491289aedf008_test-refi-img-opt-p-800.jpg 800w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65c10c0694d491289aedf008_test-refi-img-opt.jpg 934w" alt="" class="img-tablet-desktop"/></div></div></div></div><div class="section---mapbox-and-collection-list full-cta"><div class="ds24-card"><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 class="p-body-small bot-m-1-5em">Take 5 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">Enjoy Your New Savings</h2><p class="p-body-small">Your dedicated loan officer will provide personalized support to help you help you lower your payments quickly and confidently from the comfort of home.</p></div></div></div></div></div><div class="section---mapbox-and-collection-list full-cta 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 class="section---mapbox-and-collection-list"><div class="container"><div class="split"><div class="split-side"><div class="label-small color-lightblue">Rate/Term Refinance</div><h2 class="h-large text-wrap-balance">Pay less per month or less over time.</h2><p class="p-body-medium"><strong>‍</strong>Pay less per month, or pay less interest over the life of your loan, or do both! We’ll walk you through your best options.</p><p class="p-body-xsmall">*If you refinanced today, you could possibly save up to $1,500.</p><div class="spacer-2rem"></div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed/refinance" class="button w-inline-block"><div class="button-content"><div>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 class="split-side tablet-first is-relative"><div class="lottie-scroll-triggered savings-circle" data-w-id="da91e4db-e808-8ad1-17d6-0ad2ba8706da" data-animation-type="lottie" data-src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/66e99faa7361ba597ac192bd_Lottie%20-%20Refinance%20Legal%20Update.json" data-loop="0" data-direction="1" data-autoplay="1" data-is-ix2-target="0" data-renderer="svg" data-default-duration="1.0166666666666666" data-duration="0"></div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f0389d05be00556f3794def_colored_circles.svg" width="270" alt="Decorative colored circles" class="colored-circles"/></div></div></div></div><div class="section---mapbox-and-collection-list"><div class="container"><div class="split"><div class="split-side"><div class="label-small color-lightblue">HELOC</div><h2 class="h-large text-wrap-balance">Make renovations or cover expenses.</h2><p class="p-body-medium bot-m-2rem">Lower monthly payments and lower interest rates make renovating your home actually possible. (That’s how we do Lower.)</p><div class="_2-buttons"><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="/heloc" class="button w-inline-block"><div class="button-content"><div>Calculate HELOC</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a><a data-w-id="48512f62-c473-3c60-6494-6a3a1e285791" href="https://app.lower.com/mortgage/lightspeed/heloc" class="button blue-10 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><div class="split-side tablet-first"><div class="lottie-scroll-triggered tablet-and-above-hide" data-w-id="c7fd892f-014f-52d9-6e90-2c48df106042" data-animation-type="lottie" data-src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f91ccdde3f5343f66711ada_Lottie%20-%20HELOC%20-%20Mobile.json" data-loop="0" data-direction="1" data-autoplay="1" data-is-ix2-target="0" data-renderer="svg" data-default-duration="3.0166666666666666" data-duration="0"></div><div class="lottie-scroll-triggered mobile-hide" data-w-id="6b275c1b-b73f-56d6-dad2-3fd6efc38eba" data-animation-type="lottie" data-src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f5fa59ae6a2e60b1d53d944_Lottie%20-%20HELOC%20Opt.json" data-loop="0" data-direction="1" data-autoplay="1" data-is-ix2-target="0" data-renderer="svg" data-default-duration="3.0166666666666666" data-duration="0"></div></div></div></div></div><div class="section---mapbox-and-collection-list"><div class="container"><div class="split"><div class="split-side"><div class="label-small color-lightblue">Cash-Out Refinance</div><h2 class="h-large text-wrap-balance">Pay off credit cards or other high-interest debt.</h2><p class="p-body-medium bot-m-2rem">Interest rates on credit cards and personal loans can be 5x higher than mortgage rates. Instead of paying that high interest, start with a lower rate for all of your payments.</p><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed/refinance" class="button w-inline-block"><div class="button-content"><div>Access my equity</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="split-side tablet-first"><div class="lottie-scroll-triggered" data-w-id="3801888d-4ddc-7969-2202-2c4bacfe2452" data-animation-type="lottie" data-src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f174e5926038956f45c0093_Lottie%20-%20Bar%20Chart.json" data-loop="0" data-direction="1" data-autoplay="1" data-is-ix2-target="0" data-renderer="svg" data-default-duration="1.5166666666666666" data-duration="0"></div></div></div></div></div><div class="section---mapbox-and-collection-list"><div class="container text-align-center"><div class="lottie-scroll-triggered lottie-credit" data-w-id="109bc195-69b2-b235-0e6a-2da4a356ab18" data-animation-type="lottie" data-src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5f723f305cbbf02897591392_Lottie%20-%20Credit%20Score.json" data-loop="0" data-direction="1" data-autoplay="1" data-is-ix2-target="0" data-renderer="svg" data-default-duration="1.5166666666666666" data-duration="0"></div><h2 class="h-xlarge text-wrap-balance">Shop around. No credit check until you’re ready to refinance.</h2><p class="p-body-medium text-wrap-balance bot-m-2rem">Your credit is important, so we don't do a hard pull until you're absolutely ready. (And we'll always ask for permission when we do.)</p><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed/refinance" class="button w-inline-block"><div class="button-content"><div>Let's do this</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="fade-container"><div class="fade"></div></div><div class="section---mapbox-and-collection-list full-height-center no-bot-m"><div class="container text-align-center"><h1 class="h-xxlarge text-wrap-balance">Oh, and refinance for <span class="color-light-blue">free.</span> For life.<sup>*</sup></h1></div></div><div class="section---mapbox-and-collection-list full-height-center bkg-light-blue no-margin"><div class="container small"><h3 class="h-large">We call it Free Refi for Life. Buy or refinance once with Lower, and we’ll cover the lending fees on your future refinances, for life.*<br/></h3><h3 class="h-large">Expect to save at least $1,500 every time you refinance. For free. For life. And yeah—for real.<br/></h3><div class="spacer-2rem"></div><a data-w-id="ad378c5f-a150-3ec6-0d96-05336c6720dd" href="https://app.lower.com/mortgage/lightspeed/refinance" class="button w-inline-block"><div class="button-content"><div>I want in</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div><div class="section---mapbox-and-collection-list"><div class="container text-align-center"><h1 class="h-xxlarge text-wrap-balance">Refinance what you owe and save thousands.</h1><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed/refinance" class="button w-inline-block"><div class="button-content"><div>Let's do this</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="content-section bottom-of-page"><div class="content-container"><div class="_5050-grid-small"><a href="https://www.lower.com/blog-post/what-is-a-cash-out-refinance-and-can-i-get-a-new-kitchen" class="featured-faq w-inline-block"><h3>Cash-Out Refinance Basics: Can I Get A New Kitchen?</h3><div class="text-link"><div class="text-link-text">Back to basics</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5efc961188b5e0a27dc82918_arrow_link.svg" alt="" class="text-link-arrow"/></div></a><a href="https://www.lower.com/blog-post/what-does-it-mean-to-refinance-your-home-a-foolproof-guide" class="featured-faq w-inline-block"><h3>What It Means to Refinance: A Foolproof Guide</h3><div class="text-link"><div class="text-link-text">Get the guide</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5efc961188b5e0a27dc82918_arrow_link.svg" alt="" class="text-link-arrow"/></div></a></div><div class="spacer"></div><div class="_5050-faq-grid"><a href="https://www.lower.com/blog-post/heloc-vs-home-equity-loan-key-differences-and-how-to-decide" class="faq w-inline-block"><div class="body-large weight-medium">HELOC vs. Home Equity Loan</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5efc961188b5e0a27dc82918_arrow_link.svg" alt="Link arrow" class="faq-arrow"/></a><a href="https://www.lower.com/blog-post/its-your-home-dont-settle-9-tips-to-getting-lower-home-mortgage-rates" class="faq w-inline-block"><div class="body-large weight-medium">Lower Mortgage Rate Tips</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5efc961188b5e0a27dc82918_arrow_link.svg" alt="Link arrow" class="faq-arrow"/></a><div id="w-node-_19ce26a7-b7f0-3375-fdf2-ad92ffafdda6-96f644f4" 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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><em>*This offer is not guaranteed if you do not continue to meet Lower’s criteria and other factors bearing on your credit worthiness (including acceptable property collateral, income and employment history). Not all applicants will qualify for the rate and monthly payment shown. Monthly payments do not include property taxes, property insurance, and homeowners association dues. Your exact loan's interest rate and payments will depend upon the term of your loan, your credit history, and other qualifying factors. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Lower’s underwriting and Investor requirements. Loans valid for the refinance or purchase of an owner-occupied residence. Loan amounts must be at or under conforming loan limits within your state and county. Rate subject to change depending time of rate lock. Call 844-645-6937 for exact details and qualifying information.</em></p><p>Free Refi for Life: Offer not valid for subordinate simultaneous or HELOC closings and only applicable for first lien mortgage loans originated by Lower. Not applicable to Brokered loans or Reverse mortgages. Offer exclusively waives Lower retained fees, to include origination, underwriting, processing, and administrative fees. Offer not applicable for discount points, or any third-party settlement service fees, such as Title, Settlement, Appraisal, Credit Report, Commissions, or other similar settlement provider fees. Customer must have closed previous first-lien refinance transaction on or after December 1, 2018, with Lower and at least six (6) months prior to any subsequent applications. By refinancing your existing loan, your total finance charge may be higher over the life of the loan. All applications are subject to underwriting and credit approval. Other conditions or restrictions may apply. Call for complete details. Offer only valid at the Direct-to-Consumer Division, 7775 Walton Parkway, 4th floor, New Albany, OH 43054, NMLS #1168557. Offer not available for Washington State consumers.<br/></p><p>Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.</p></div><div class="v25-legal-final"><div class="flex-h-center-left col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/5ef508d34c1d0626daa06fa4_icon_equalHousingLender.svg" loading="lazy" alt="Equal Housing Lender Icon" class="icon-small ehl-edit"/><div class="ds24-legal v25-ehl-text"> EQUAL HOUSING OPPORTUNITY</div></div><div class="ds24-legal ash medium">NMLS ID #1124061</div><div class="ds24-legal ash medium last">Copyright © <span data-current-year="1">2024</span> Lower, LLC. All rights reserved.</div><div class="ds24-legal"><a href="https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1124061"> nmlsconsumeraccess.org</a></div></div><div class="w-embed"><style> .be-related-link-container { } .be-list { display: flex !important; flex-direction: column !important; } .be-label { opacity: 1; color: #6a6b76; margin-top: 0 !important; margin-bottom: 1em !important; font-size: 1em !important; font-weight: 500 !important; line-height: 1em !important; font-family: Gotham,Arial,sans-serif !important; } .be-list-item { font-size: 14px !important; } .be-related-link { padding-top: 0.5em !important; padding-bottom: 0.5em !important; font-size: 1em !important; font-weight: 700 !important; line-height: 1.2em !important; display: block !important; color: #1a1a1a !important; font-family: Gotham,Arial,sans-serif !important; } </style></div></div></div></div><div class="mortagage-rates-code"><div class="w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="w-dyn-item"><div id="mortgage-date-value" class="mortgage-rate-date-text">3/31/2025</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">8.250</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><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.b98a48df2a8fbffa.js" type="text/javascript"></script><script src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/js/webflow.aee9a564.19fa70c37ceb2c46.js" type="text/javascript"></script><script> document.addEventListener('DOMContentLoaded', () => { document.querySelectorAll('#nav-open').forEach(trigger => { trigger.addEventListener('click', function(){ document.querySelectorAll('.lower-body').forEach(target => target.classList.add('no-scroll')); }); }); document.querySelectorAll('#nav-close').forEach(trigger => { trigger.addEventListener('click', function(){ document.querySelectorAll('.lower-body').forEach(target => target.classList.remove('no-scroll')); }); }); }); </script> <script> // Number of clicks on the trigger element initially set on 0 let numOfClicks = 0; // Get trigger element const trigger = document.getElementById("menu-trigger"); // Get body element const bodyEl = document.getElementsByTagName("body")[0]; // Set onclick function to trigger element if (trigger) { trigger.onclick = () => { numOfClicks += 1; // Check if number of clicks is an even value: // odd value - first click, even value - second click const isNumOfClicksEven = numOfClicks % 2 === 0; // On first click set body's overflow property to "auto", // On second click set body's overflow property to "hidden" isNumOfClicksEven ? 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