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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 src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="icon-xsmall"/></div><div class="ds24-link-dropdown-wrap new-nav center-align"><div class="ds24-link-dropdown new-nav"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow buy-a-home center-align"/><div class="ds24-dropdown-link-list new-nav"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/finance" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727efa4cfac7bdc9c40f1d5_Learn-About-Buying-A-Home.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Learn About Buying A Home</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div class="ds24-dropdown-cta"><div class="ds24-dropdown-cta-content"><div class="h-xsmall bot-m--25em">Ready to buy your dream home?</div><p class="p-body-small bot-m--5em">Our process is simple and hassle-free. Let’s make homeownership a reality.</p></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/purchase" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div><a href="/finance" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link"><div class="ds24-nav-link-content"><div class="link-text dropdown new-nav">Lower My Rate</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="icon-xsmall"/></div><div class="ds24-link-dropdown-wrap new-nav center-align"><div class="ds24-link-dropdown new-nav"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow lower-my-rate center-align"/><div class="ds24-dropdown-link-list new-nav"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/refinance/rate-refinance" 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">Rate-Term Refinance<br/></div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/lower-my-rate" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f0f3636cdda726faa4d2_Learn-About-Refinancing.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Learn About Refinancing</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div class="ds24-dropdown-cta"><div class="ds24-dropdown-cta-content"><div class="h-xsmall bot-m--25em">Looking to refinance?</div><p class="p-body-small bot-m--5em">Simplify the process and save with competitive rates tailored to your goals.</p></div><div class="ds24-nav-link-wrap"><a data-w-id="3e37903a-ee87-eb7a-0b7f-60f47a173c06" href="https://app.lower.com/mortgage/lightspeed/purchase" class="ds24-link-block color-lightblue w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/656f796a3256ce24d1dddfcf_icon-bolt.svg" loading="lazy" alt="Bolt Icon" class="small-icon link"/><div class="link-text">Apply Now</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div></div></div></div><a href="/lower-my-rate" class="floating-nav-box w-inline-block"></a></div><div class="ds24-nav-link"><div class="ds24-nav-link-content"><div class="link-text dropdown new-nav">All Loan Options</div><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="icon-xsmall"/></div><div class="ds24-link-dropdown-wrap new-nav center-align"><div class="ds24-link-dropdown new-nav"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/613773702e37a2231e713441_Group%2039.svg" loading="lazy" alt="" class="ds24-block-arrow all-loan-options center-align"/><div class="ds24-dropdown-link-list new-nav"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/conventional-home-loans" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f0c77344b7e751843f91_Rate-Term-Refinance.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Conventional Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/adjustable-rate-mortgage" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f30ea740db51da7a37b1_Adjustable-Rate-Mortgage.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Adjustable-Rate Mortgage</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/home-improvement-loans" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f4a1314ab914c1880c0a_USDA-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Home Improvement Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/debt-consolidation-loans" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f4b89ee5cba2b8e35338_DSCR-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Debt Consolidation Loan</div></div></a></div></div><div class="ds24-dropdown-link-list new-nav smaller-content"><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/jumbo-loan" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f15c185886ce204131ed_HELOC.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Jumbo Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/va-loan" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f47dbd68ce867469dee7_VA-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">VA Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/loans/fha-loan" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f32f0e43326a1fc1064e_FHA-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">FHA Loan</div></div></a></div><div class="ds24-nav-link-wrap-new-nav"><a data-w-id="b10ba6e7-0592-e2dc-699e-dff311d431f2" href="/home-equity/home-equity-loans" class="ds24-link-block new-nav w-inline-block"><div class="link"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6727f35e4a6b850916a39b1a_Home-Equity-Loan.svg" loading="lazy" alt="" class="small-icon link new-nav"/><div class="link-text new-nav">Home Equity Loan</div></div></a></div></div><div class="ds24-divider-h new-nav"></div><div class="ds24-dropdown-cta smaller-content"><div class="ds24-dropdown-cta-content"><div class="h-xsmall bot-m--25em">Ready to apply for your loan?</div><p class="p-body-small bot-m--5em">We connect 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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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0);-ms-transform:translate3d(0, -0.25rem, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0);transform:translate3d(0, -0.25rem, 0) scale3d(1, 1, 1) rotateX(0) rotateY(0) rotateZ(0) skew(0, 0)" class="fixed-topics-content"><div class="faq-topics"><a href="#About-us" class="detail-button w-inline-block"><div class="button-content"><div class="button-emoji">🏡</div><div>About us</div></div></a><a href="#Applying-for-a-loan" class="detail-button w-inline-block"><div class="button-content"><div class="button-emoji">👨‍💻</div><div>Applying for a loan</div></div></a><a href="#Loan-programs-and-services" class="detail-button w-inline-block"><div class="button-content"><div class="button-emoji">🗂</div><div>Loan programs and services</div></div></a><a href="#Rates-costs-and-appraisals" class="detail-button w-inline-block"><div class="button-content"><div class="button-emoji">🤓</div><div>Rates, costs, and appraisals</div></div></a><a href="#managing-your-loan" class="detail-button w-inline-block"><div class="button-content"><div class="button-emoji">⚙️</div><div>Managing your loan</div></div></a><a href="#phases" class="detail-button w-inline-block"><div class="button-content"><div class="button-emoji">🌖</div><div>Loan phases</div></div></a></div></div></div><div class="top-fade-cont"><div class="top-fade"></div></div><div class="section---mapbox-and-collection-list margin-small"><div class="container text-align-center"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6571e9f456ecb57dd8fc1135_img-help-hero-opt.png" loading="eager" width="320" height="187" alt="A happy first time home buyer with their son." srcset="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6571e9f456ecb57dd8fc1135_img-help-hero-opt-p-500.png 500w, https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6571e9f456ecb57dd8fc1135_img-help-hero-opt.png 640w" sizes="(max-width: 479px) 100vw, 320px" class="bot-m-4em"/><h1 class="h-xxlarge bot-m--5rem">We’re here to help.</h1><div class="p-body-medium block color-ash">Get answers. Any time.</div></div></div><div class="section---mapbox-and-collection-list margin-small"><div class="container large"><div class="split align-fill"><div class="split-content split-small"><div class="sticky-categories"><div class="h-small">Browse Topics</div><div class="faq-topics"><a href="#About-us" class="detail-button w-inline-block"><div class="button-content"><div class="button-emoji">🏡</div><div>About us</div></div></a><a href="#Applying-for-a-loan" class="detail-button w-inline-block"><div class="button-content"><div class="button-emoji">👨‍💻</div><div>Applying for a loan</div></div></a><a href="#Loan-programs-and-services" class="detail-button w-inline-block"><div class="button-content"><div class="button-emoji">🗂</div><div>Loan programs and services</div></div></a><a href="#Rates-costs-and-appraisals" class="detail-button w-inline-block"><div class="button-content"><div class="button-emoji">🤓</div><div>Rates, costs, and appraisals</div></div></a><a href="#managing-your-loan" class="detail-button w-inline-block"><div class="button-content"><div class="button-emoji">⚙️</div><div>Managing your loan</div></div></a><a href="#phases" class="detail-button w-inline-block"><div class="button-content"><div class="button-emoji">🌖</div><div>Loan phases</div></div></a></div></div></div><div data-w-id="9127afbd-7c6d-25d2-e0ea-6a16142cc026" class="split-content split-xlarge text-align-left row-4rem"><div><h2 class="h-medium bot-m-1-5rem">Frequently Asked Questions</h2><div fs-cmsfilter-element="filters" class="ds24-form-block w-form"><form id="email-form" name="email-form" data-name="Email Form" method="get" autocomplete="off" class="ds24-form-block" data-wf-page-id="657b1ff4593be9d196f643e8" data-wf-element-id="80f828af-2408-9e88-839a-bafc3d123f42"><div class="ds24-text-field-wrap"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6571ef27964f2605763bd5dd_icon-search-charcoal.svg" loading="lazy" alt="Search Icon" class="small-icon first phone-icon"/><input class="ds24-text-field w-input" maxlength="256" name="name" fs-cmsfilter-field="*" data-name="Name" placeholder="Search FAQs" type="text" id="faq-input"/><div fs-cmsfilter-element="clear" class="field-clear"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/657084a3f44f8c0f3147ac18_icon-close-x-smoke.svg" loading="lazy" alt="Close Icon" class="small-icon first phone-icon"/></div></div></form><div class="w-form-done"><div>Thank you! 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Something went wrong while submitting the form.</div></div></div></div><div class="flex-v-full-top row--75rem _100"><div id="About-us" class="anchor"></div><div class="label-medium color-lightblue">About us</div><div class="w-dyn-list"><div fs-cmsfilter-element="list" role="list" class="flex-v-full-top row--75rem w-dyn-items"><div start-open="true" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">Why should I use Lower.com?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-dyn-bind-empty w-richtext"></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke">10 min read</div></div></div><h3 class="h-small no-bot-m">The Loan Process Made Simple</h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">How do I get in touch with a real person at Lower.com?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Lower.com is an online lender. Because we’re online, we don’t have offices that are open to the public but you can give us a call at (888) 509-8301 to connect with an expert loan advisor </p><p>‍</p><p>If you’re a current borrower looking to speak with customer support, you can call us at (833) 920-2273 or email us at <a href="mailto:care@lower.com" target="_blank">care@lower.com</a> (Monday - Friday| 9 AM EST - 5:00 PM EST.</p><p></p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke">10 min read</div></div></div><h3 class="h-small no-bot-m">The Loan Process Made Simple</h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What can I achieve by accessing equity with a HELOC from Lower.com? </h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Lower.com can help you access equity with a HELOC to: </p><ul role="list"><li>Consolidate high-interest credit card debt. </li><li>Fund home repairs or renovations. </li><li>Pay for college. </li><li>Pay off student loans. </li><li>Learn more about <a href="https://www.lower.com/blog-post/heloc-vs-home-equity-loan-key-differences-and-how-to-decide" target="_blank">HELOCs </a>and <a href="https://www.lower.com/heloc" target="_blank">begin your application.</a></li></ul></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke">10 min read</div></div></div><h3 class="h-small no-bot-m">The Loan Process Made Simple</h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What types of refinancing goals can Lower.com help with?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>If you’re considering refinancing, you can use Lower.com to: </p><ul role="list"><li>Get cash out of your home. </li><li>Increase your monthly cash flow. </li><li>Consolidate high-interest debt. </li><li>Lower your monthly payment. </li><li>Explore options for shortening your loan term. </li><li>Learn more about <a href="https://www.lower.com/blog-post/how-to-refinance-a-mortgage-in-7-simple-steps" target="_blank">refinancing </a>and <a href="https://www.lower.com/refinance" target="_blank">begin your application.</a></li></ul></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke">10 min read</div></div></div><h3 class="h-small no-bot-m">The Loan Process Made Simple</h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">I want to buy a home. When is the best point in my home search to use Lower.com?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>If you’re buying a home, here’s when we recommend using Lower.com: </p><ul role="list"><li>You’re just starting your home search. </li><li>You have a home in mind and want to make an offer. </li><li>You already have a signed purchase agreement. </li><li>Learn more about <a href="https://www.lower.com/blog-post/buying-your-first-home-mortgage-loan-basics" target="_blank">home purchase loans </a>and <a href="http://lower.com/finance" target="_blank">begin your application.</a></li></ul></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke">10 min read</div></div></div><h3 class="h-small no-bot-m">The Loan Process Made Simple</h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">How does Lower.com keep my information safe and secure?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Protecting your personal information is our top priority! We encrypt everything and we’re constantly monitoring our site to make sure it’s secure. We won’t sell your data or use it for anything other than what’s stated in our <a href="https://www.lower.com/details/personal-apply-terms?_gl=1*10kqu5y*_ga*MTEwMjEyOTA4Mi4xNjg0MTc5MDIw*_ga_DE2FR9KP41*MTY5ODU0NDE5NC40My4xLjE2OTg1NDU4NTQuMC4wLjA." target="_blank">Terms of Use</a>, <a href="https://www.lower.com/details/personal-apply-terms#sms" target="_blank">SMS Texting</a>, <a href="https://www.lower.com/details/personal-apply-terms#electronic-docs" target="_blank">Electronic Documents</a>, <a href="https://www.lower.com/details/personal-apply-terms#realtor" target="_blank">Realtor Communication</a>, <a href="https://www.lower.com/legal/privacy-policy#sharing-non-affiliates" target="_blank">Non-affiliate Information Sharing Policy</a>, and <a href="https://www.lower.com/details/personal-apply-terms#electronic-docs" target="_blank">eConsent Policy.</a></p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke">10 min read</div></div></div><h3 class="h-small no-bot-m">The Loan Process Made Simple</h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">Where does Lower.com operate?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>You can use Lower to get a loan in 45 states (not available in New York, Hawaii, Alaska, Rhode Island, Vermont) and the District of Columbia. At this time, you can’t use Lower.com to get a loan in Puerto Rico or anywhere outside the U.S.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke">10 min read</div></div></div><h3 class="h-small no-bot-m">The Loan Process Made Simple</h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">How do Lower.com customers rate their experience?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Lower.com delivers a best-in-class customer experience with ratings of 4.8 on Trustpilot, 4.9 on Google, and 4.9 on Zillow. Lower.com also has an A+ rating from the Better Business Bureau.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke">10 min read</div></div></div><h3 class="h-small no-bot-m">The Loan Process Made Simple</h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What is Lower.com?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Lower.com is an online mortgage lender that has funded billions of dollars in home loans. We believe homeownership is the greatest wealth creator in America today. Our goal is to make homeownership more accessible to more people.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke">10 min read</div></div></div><h3 class="h-small no-bot-m">The Loan Process Made Simple</h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div></div></div></div><div class="flex-v-full-top row--75rem _100"><div id="Applying-for-a-loan" class="anchor"></div><div class="label-medium color-lightblue">Applying for a loan</div><div class="w-dyn-list"><div fs-cmsfilter-element="list" role="list" class="flex-v-full-top row--75rem w-dyn-items"><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">How do I know if I will qualify for a loan?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>We look for certain things when we evaluate a loan application. While the approval process is unique to each person, here are some general guidelines. </p><ul role="list"><li>Ideally, your monthly expenses shouldn’t be more than 50% of what you earn each month, but some loan programs allow for more. </li><li>Learn more about <a href="https://www.lower.com/blog-post/whatis-dti-for-mortgage-and-why-does-it-matter" target="_blank">debt-to-income (DTI) ratio here</a>. </li><li>Ideally, you have a two-year work history with proof of current, stable income and/or assets. </li><li>There are certain circumstances and programs in which a credit score of 580 is enough, but typically you need a credit score of 620. </li><li>Whether you’re purchasing or refinancing, you’ll often need an appraisal. We work with an independent, third-party appraisal management company to order the appraisal for you. </li></ul><p>If you’re a first-time homebuyer, learn more about <a href="https://www.lower.com/blog-post/how-to-apply-for-a-mortgage-first-time-homebuyer-tips" target="_blank">how to apply for a mortgage.</a></p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/65789218ea278a154aef5d15_Screen%20Shot%202023-12-12%20at%2012.02.07%20PM.png" loading="lazy" alt="" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke">10 min read</div></div></div><h3 class="h-small no-bot-m">How To Apply For A Mortgage</h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">Will applying with Lower.com affect my credit?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>The online application <a href="http://app.lower.com/" target="_blank">you can find here</a> involves a soft credit check which won’t affect your credit score. </p><p>‍</p><p>Once you are ready to move forward with a loan, your expert loan advisor will walk you through the full hard-check credit report. Don’t fret, it’s just a simple and necessary part of the loan process.</p><p>‍</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What credit score do I need to get approved?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>You can get approved with a credit score as low as 580, as long as you meet our other eligibility criteria. </p><p>‍</p><p>Keep in mind that the score we use might be slightly different from the one you get from your credit card company or other source.</p><p></p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What information do I need to provide in my application?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>To start your application with Lower.com, we recommend you have the following information on hand: </p><ul role="list"><li>A separate email address for each person that will be on the loan </li><li>Your online banking username and password, or details about how much money is in each account you want us to consider for your approval (e.g., checking and savings accounts, retirement accounts, stocks and other assets) </li><li>Your income and employer information </li><li>Your DOB & Social Security number(s) for each applicant</li></ul><p>You can learn more about the <a href="https://www.lower.com/blog-post/no-frills-list-of-documents-needed-for-mortgage-applications" target="_blank">documents needed and where to find them.</a></p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6578916f77d2437d25a97855_Screen%20Shot%202023-12-12%20at%2011.59.16%20AM.png" loading="lazy" alt="" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke">5 min read</div></div></div><h3 class="h-small no-bot-m">Documents Needed For Mortgage</h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">How does the application process work?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Our online application asks you a series of questions to help us evaluate your eligibility for a home loan. We use your application details and information from your credit report to determine whether we can approve you and provide personalized recommendations to support your goals. </p><p>‍</p><p>Once you're qualified, our expert loan advisors will help you every step of the way to get your mortgage to closing. </p><p></p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">How can I apply for a loan with Lower.com?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p><a href="http://app.lower.com/" target="_blank">Click here to begin your application.</a> </p><ul role="list"><li>Tell us about yourself, your home, and your finances and we’ll find the right home loan for your needs. </li><li>You’ll get personal attention from an expert loan advisor who will guide you through every step of the mortgage process.</li></ul><p></p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div></div></div></div><div class="flex-v-full-top row--75rem _100"><div id="Loan-programs-and-services" class="anchor"></div><div class="label-medium color-lightblue">Loan programs and services</div><div class="w-dyn-list"><div fs-cmsfilter-element="list" role="list" class="flex-v-full-top row--75rem w-dyn-items"><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What’s Lower.com’s “Free Refi For Life” program?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p><a href="https://www.lower.com/finance" target="_blank">Buy now</a> or <a href="https://www.lower.com/refinance" target="_blank">refinance now</a> with Lower.com and know you can lower your rate later - for free! </p><p>‍</p><p>This offer waives Lower.com’s origination, underwriting, processing, or administrative fees. </p><p>‍</p><p>You must have closed a previous first-lien refinance transaction on or after December 1, 2018 with Lower. </p><p>‍</p><p>All applications are subject to underwriting and credit approval. </p><p>‍</p><p><a href="https://www.lower.com/details/free-refi-for-life" target="_blank">You can find more detail about Free Refi for Life here.</a> </p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash w-dyn-bind-empty"></div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="#" class="button w-inline-block"><div class="button-content"><div></div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What’s the “Buy Before You Sell” program?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Lower.com offers different programs that allows customers to buy a new home before the sell their departing residence. </p><p>‍</p><p>Under certain circumstances, there can be a no contingency offer placed on the borrower’s vacated Primary Residence. This allows us to exclude the existing mortgage payment in the qualifying debt-to-income ratios for conventional loan programs. </p><p>‍</p><p>There are also programs that buyers can be offered up to 75% of their current homess value in a 0% interest bridge loan. This allows them to use the equity in their current home for the down payment and closing costs on a new home without selling their current home </p><p>‍</p><p>This program eliminates the need to simultaneously sell a current home while purchasing a new one, reducing stress and complexity in the process. The sale of the current home is required to be completed within 90 days of closing on the new home. </p><p>‍</p><p>Not all homes will qualify for this program, speak to a Loan Advisor to confirm your home qualifies</p><p></p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash w-dyn-bind-empty"></div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="#" class="button w-inline-block"><div class="button-content"><div></div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What is pre-approval? How can I use Lower.com to get a preapproval letter?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>A mortgage pre-approval is a process that establishes how much you can afford to borrow to purchase a home. Lower.com will review your assets, credit score, and income so we can determine which loans you're eligible for, how much we can lend you, and what your interest rate could be. </p><p>‍</p><p>You will receive a pre-approval letter once you've been pre-approved that you can share with your real estate agent and sellers. </p><p>‍</p><p>It’s never too early to get pre-approved. It’s often easier than most imagine. If you’re ready to start shopping for that perfect home, you’ll understand how much you can afford and will help with your search. If there are some items standing between you and pre-approval, our expert Loan advisors will coach you through the journey. </p><p>‍</p><p>Learn more about <a href="https://www.lower.com/blog-post/how-to-get-a-mortgage-pre-approval" target="_blank">how to get a mortgage pre-approval with Lower.com</a>.</p></div></div><div class="ds24-faq-content extra-cta"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>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="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">I already signed a purchase agreement. How can I get a mortgage quickly?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>If you already have a signed purchase agreement, <a href="https://www.lower.com/finance" target="_blank">apply online</a> to get started. Afterwards, one of our expert loan advisors will give you a call so we can speed up your mortgage process.</p></div></div><div class="ds24-faq-content extra-cta"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>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="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What kind of homes can I use Lower.com to get a loan for?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Most people use Lower.com to <a href="https://www.lower.com/finance" target="_blank">buy</a> or <a href="https://www.lower.com/refinance" target="_blank">refinance</a>: </p><ul role="list"><li>A single-family home </li><li>A second home or investment property </li><li>Condo, townhome, multi-unit property, manufactured home </li><li>We don’t provide mortgages for mobile homes. We encourage you to see if you can get approved for a single-family home. </li><li>Give us a call at (888) 509-8301 to connect with an expert loan advisor about the specific property you have in mind. </li></ul><p></p></div></div><div class="ds24-faq-content extra-cta"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>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="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What equity and refinancing options can I get with Lower.com?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>When you use Lower.com to <a href="https://www.lower.com/refinance" target="_blank">refinance your mortgage,</a> we may recommend: </p><ul role="list"><li>Conventional loans </li><li>FHA loans </li><li>VA loans </li><li>Jumbo loans </li><li>FHA and VA streamlines </li><li>You can also use Lower.com to <a href="https://www.lower.com/heloc" target="_blank">get a HELOC</a> (home equity line of credit). </li></ul></div></div><div class="ds24-faq-content extra-cta"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>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="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What types of purchase loans can I get with Lower.com?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Lower.com recommends loans you may be eligible for based on the information you provide. </p><p>‍</p><p>When you use Lower.com to <a href="https://www.lower.com/finance" target="_blank">buy a home</a>, we may recommend: </p><ul role="list"><li>Conventional loans </li><li>FHA loans (<a href="https://www.lower.com/blog-post/fha-requirements-5-things-to-improve-your-mortgage-application" target="_blank">learn more about FHA loans</a>) </li><li>VA loans </li><li>Jumbo loans </li><li>Down payment assistance programs </li></ul></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash w-dyn-bind-empty"></div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="#" class="button w-inline-block"><div class="button-content"><div></div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6578c7d509471d02b28e1dce_Screen%20Shot%202023-12-12%20at%203.51.09%20PM.png" loading="lazy" alt="" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke">5 min read</div></div></div><h3 class="h-small no-bot-m">5 Things to Improve Your Mortgage Application</h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div></div></div></div><div class="flex-v-full-top row--75rem _100"><div id="Rates-costs-and-appraisals" class="anchor"></div><div class="label-medium color-lightblue">Rates, costs, and appraisals</div><div class="w-dyn-list"><div fs-cmsfilter-element="list" role="list" class="flex-v-full-top row--75rem w-dyn-items"><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">How does Lower.com do appraisals? </h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>An appraisal is often a necessary step in the loan process. Lower will order an appraisal on your behalf, if it’s required for your loan. </p><p>‍</p><p>By law, appraisers must be an independent third party not affiliated with you or your mortgage company. We don't have any say in the appraiser that's selected and don't own any appraisal companies.</p><p></p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash w-dyn-bind-empty"></div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="#" class="button w-inline-block"><div class="button-content"><div></div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">How much do I need for my downpayment?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Your downpayment depends on your individual preferences (for example: one borrower may want to make a large downpayment to reduce the interest they’ll have to pay while another borrower may want to retain as much of their savings as possible for other expenses) and the loan type. Learn more about <a href="https://www.lower.com/blog-post/your-down-payment-heres-how-much-money-to-save-for-each-loan-type" target="_blank">how much money to save for each loan type.</a></p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash w-dyn-bind-empty"></div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="#" class="button w-inline-block"><div class="button-content"><div></div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5f03633041bf32f8ccc60fc0/6578caceb5c529e92f875fac_Screen%20Shot%202023-12-12%20at%204.04.04%20PM.png" loading="lazy" alt="" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke">6 min read</div></div></div><h3 class="h-small no-bot-m">Your Down Payment: Here's How Much Money to Save</h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What can I expect my closing costs to be?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>If you want to estimate how much you’ll need to bring to the closing table, it depends on whether you’re buying or refinancing. </p><p>‍</p><p>If you’re buying a home, plan to have at least 3% of the purchase price for a down payment and between 3% and 6% of the purchase price for closing costs. </p><p>‍</p><p>If you’re refinancing with Lower.com, you might not need to pay out of pocket to close your loan. In many cases, we may automatically roll all your closing costs into your loan to make refinancing more affordable.</p><p></p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash w-dyn-bind-empty"></div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="#" class="button w-inline-block"><div class="button-content"><div></div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">How competitive are Lower.com’s rates? </h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Our rates are highly competitive (but your rates are going to vary depending on your finances and the property). </p><p>‍</p><p>Going with the lowest rate might seem smart, given how much interest you pay over the life of a mortgage. But there are times when choosing the lowest rate might not make the most sense. </p><p>‍</p><p>What’s more important than just the lowest interest rate is getting the right mortgage for your situation - and a lender who helps you do that. </p><p></p></div></div><div class="ds24-faq-content extra-cta"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>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="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div></div></div></div><div class="flex-v-full-top row--75rem _100"><div id="managing-your-loan" class="anchor"></div><div class="label-medium color-lightblue">Managing your loan</div><div class="w-dyn-list"><div fs-cmsfilter-element="list" role="list" class="flex-v-full-top row--75rem w-dyn-items"><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">My loan was transferred. Who can I contact?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Don’t worry, loan transfers are completely normal and won’t impact the terms of your loan. Here are the contact details if your loan was transferred to: </p><p>‍</p><p><strong>ServiceMac (Lower)</strong> </p><ul role="list"><li>Phone: 855-391-7832 </li><li>Email: <a href="mailto:support@myclientlower.com" target="_blank">support@myclientlower.com</a> </li><li>Online: <a href="https://lower.myhomeservicing.com/" target="_blank">https://lower.myhomeservicing.com/</a> </li><li>Mail: P.O. Box 100077 Duluth, GA 30096-9377 </li></ul><p>‍<strong>Provident Funding</strong> </p><ul role="list"><li>Phone: 800-696-8199 </li><li>Online: <a href="https://www.provident.com/Register" target="_blank">https://www.provident.com/Register</a> </li><li>Mail: 1235 N. Dutton Ave, Suite E Santa Rosa, CA 95401 </li></ul><p><strong>Valon</strong> </p><ul role="list"><li>Phone: 855-218-3690 </li><li>Email: <a href="mailto:support@valon.com" target="_blank">support@valon.com</a> </li><li>Online: <a href="https://valon.com/login" target="_blank">https://valon.com/login</a> </li></ul><p> </p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">I received a letter saying my loan was transferred, but I already sent my payment to Lower. What do I do?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>If you’ve already sent your payment to Lower, there’s nothing else you need to do. We’ll automatically endorse your payment and send it to your new servicer on your behalf.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">Will my loan be transferred?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Regardless of the lender, thousands of loans are sold every day. If this occurs, know it’s completely normal, and won’t impact the terms of your loan. Your loan may be transferred to another company.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">I completed a refinance and received checks in the mail. What should I do with them?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>You will need to mail the checks to the corresponding creditors that are listed. </p><p>‍</p><p>Recommend you include your latest billing statement so the creditor can locate your account.</p><p></p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">I have a second loan (HELOC) through Lower. Where do I send payment?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Prior to your first payment due date, you’ll receive a mortgage statement and/or a notice of loan transfer in the mail. This will include your new loan number and payment instructions. If you are still unsure of where to send your first payment, you can send it via mail to the address listed above and we’ll get it where it needs to go.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">Where can I mail a payment?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Lower LLC</p><p>Attn: Mortgage Payment Processing</p><p>125 Town Park NW Suite 300</p><p>Kennesaw, GA 30144</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">I received my first mortgage statement and my payment is due to Lower. How do I pay for it?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>If your first payment is due to Lower you can pay your bill online at: <a href="https://lower.secureconduit.net/login" target="_blank">lower.secureconduit.net</a>. </p><p></p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">Will I receive monthly statements?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Yes, you will be billed monthly based on your loan activity.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">When is my first payment due? </h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Your first payment will be due on the first of the month. Please refer to Closing Documents and the First Payment Letter. You should also be receiving an email regarding your first payment.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div></div></div></div><div class="flex-v-full-top row--75rem _100 loan-phases"><div id="phases" class="anchor"></div><h2 class="h-medium">Loan Phases</h2><p class="p-body-medium">This is your loan journey. In almost every phase, led by your loan advisor, we will guide you step by step toward your goals.</p><div class="faq-link-list"><a href="#phase-apply" class="link-text color-lightblue">Apply</a><a href="#phase-setup" class="link-text color-lightblue">Setup</a><a href="#phase-verify" class="link-text color-lightblue">Verify</a><a href="#phase-close" class="link-text color-lightblue">Close</a><a href="#phase-postclose" class="link-text color-lightblue">Post-Close</a></div></div><div class="flex-v-full-top row--75rem _100"><div id="phase-apply" class="anchor"></div><div class="label-medium color-lightblue">Apply</div><div class="w-dyn-list"><div fs-cmsfilter-element="list" role="list" class="flex-v-full-top row--75rem w-dyn-items"><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">Will this impact my credit?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>The online experience you can find at Lower.com involves a “soft” credit check, which won’t affect your credit score. We’ll always get your permission for a “hard” credit check, which is needed for any mortgage loan. Once you’re ready to move forward with a loan, we’ll walk you through the full report.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">How much money do I need?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Great question! After you submit your information and we ask a few clarifying questions, we'll deliver something called a Loan Estimate. This three-page, government-regulated document details all of your estimated loan costs. You'll receive updated Loan Estimates throughout the process, and before closing, you'll get the final costs in the Closing Disclosures. You’ll be up-to-date on the numbers at all times.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">How do I know if I’ll qualify for a loan?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>While the approval process is unique to each person, here are some things to consider:</p><ul role="list"><li>Ideally, your monthly billed expenses aren’t more than 50% of what you earn each month, but there are exceptions.</li><li>Your debt-to-income ratio matters. Learn more about it <a href="https://www.lower.com/blog-post/whatis-dti-for-mortgage-and-why-does-it-matter">here</a>.</li><li>Ideally, you have a two-year work history with proof of current, stable income and/or assets.</li><li>There are certain circumstances and programs in which a credit score of 580 is enough, but a credit score of 620 is usually needed.</li><li>Your property will likely need vetted, too. We work with an independent, third-party appraisal management company to order the appraisal for you.</li></ul><p>‍</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What credit score do I need to get approved?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>You can get approved with a credit score as low as 580, as long as you meet our other eligibility criteria. Keep in mind that the score we use might be slightly different from the one you get from your credit card company or other source.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">How long does it take to get approved?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Short answer? About 2-4 weeks. Long answer? Every loan is different, and we’re not just saying that. There are so many factors that can speed up and slow down the process, including loan type, documents needed, and external factors, too. On average, the process takes our borrowers about 2-4 weeks. Check out the Lower Process section of this book for more details.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">I just gave all this info, now what?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Awesome—we can’t wait to get started. The info we receive in this phase is the core to the whole process. We’ll take it all in, get an idea of where we can go, then reach out (via phone or email) to get things rolling.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div></div></div></div><div class="flex-v-full-top row--75rem _100"><div id="phase-review" class="anchor"></div><div class="label-medium color-lightblue">Review</div><div class="w-dyn-list"><div fs-cmsfilter-element="list" role="list" class="flex-v-full-top row--75rem w-dyn-items"><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">Will my credit be checked again before closing?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Yes. It’s important not to make any major financial decisions during the loan process. Your credit can be checked at any time, and may be checked regularly, so it’s good to be safe and keep those big moves until after your loan closes.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">Can I change my loan program or terms before closing?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Yes, but you’ll want to get in touch as soon as possible if you expect to change your loan details. We’ll walk you through what can and can’t be done based on where your loan is, without delaying anything.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What happens if my appraisal comes in lower than the purchase price?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>An appraisal is a professional valuation of a property taking into consideration things like the selling price of similar homes in the area, loan requirements, as well as any items needing to be fixed. 9 times out of 10, the appraisal will come close to or match the listing price. For that remaining ~10%, the appraisal can come in lower. In that case, you can negotiate with the seller, bring more money to the closing table or, in extreme cases, walk away from the deal. Check out the details for each option in <a href="https://www.lower.com/blog-post/three-appraisals-walk-into-a-bar-getting-a-home-appraisal-and-what-to-do-with-the-results">this article.</a></p><p>‍</p><p>From our legal team: You have the right to request a reconsideration of the appraisal if you believe the appraisal report is unsupported or contains errors, the appraisal is deficient due to unacceptable appraisal practices, or the appraisal reflects discriminatory practices.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">Am I making a smart decision?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>We think that’s a smart question. We’re here help you build wealth through homeownership, whether that’s buying your first home or refinancing for the fifth time. So, everything we offer is meant to help you improve your financial situation  by building or accessing your equity.</p><p>When we start getting into specific loan details like signing the first Loan Estimate, “am I making a smart decision” is bound to come up. If you have this question, know we’re here to walk you through every detail so you can move forward with confidence.</p><p>‍</p><p>Just get in touch if you have any questions about your specific loan details, or even if you don’t know which questions to ask!</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">How does an appraisal work? </h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>An appraisal is often a necessary step in the loan process as it gives us the value of the property to use in loan calculations. We’ll order an appraisal on your behalf if it’s required for your loan.</p><p>‍</p><p>By law, appraisers must be an independent third party not affiliated with you or your mortgage company. We don't have any say in the appraiser that's selected and don't own any appraisal companies.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div></div></div></div><div class="flex-v-full-top row--75rem _100"><div id="phase-setup" class="anchor"></div><div class="label-medium color-lightblue">Setup</div><div class="w-dyn-list"><div fs-cmsfilter-element="list" role="list" class="flex-v-full-top row--75rem w-dyn-items"><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">I’m in “conditional approval.” What do I need to do?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>First, congrats on your loan making it to conditional approval! We call it that because there are steps we need to take, called conditions, before your loan can close. Once they’re cleared, we’ll be one step closer to closing. You’ll know you’re in conditional approval when we reach out either by email or phone.</p><p>‍</p><p>The tasks we need to do in this step will completely depend on your loan. Sometimes, it’s just a quick document to verify something on your file.</p><p>For example, if you are applying for a loan on your own, but the funds for closing are held in a bank account of a partner, the approval team may just need a copy of a bank statement showing the transfer of funds for closing. That’s just one example. Every loan is different, but whatever is needed, we’ll walk you through step by step.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">What’s happening now? </h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>In the Setup phase, we’re taking all of the information, documents, and items we’ve talked through, and putting them together to be sent to the approval team. If we haven’t already asked for documents, we will be soon.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div></div></div></div><div class="flex-v-full-top row--75rem _100"><div id="phase-verify" class="anchor"></div><div class="label-medium color-lightblue">Verify</div><div class="w-dyn-list"><div fs-cmsfilter-element="list" role="list" class="flex-v-full-top row--75rem w-dyn-items"><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">We’re getting close to closing, but we don’t have final closing costs yet.</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>The amount you’re responsible for bringing to close starts out as an estimate and gets narrowed in throughout the process. If it were one flat cost, we could get it to you immediately, but there are a lot of external factors that go into this estimation. We can’t give you a final number until we hear back from every third party vendor, like the title agency, insurance, and taxes.</p><p>‍</p><p>The good news is we often overestimate these costs to prevent any surprises close to closing. Just hang tight while we work to get everything reeled in, and we’ll let you know what you’ll need to bring to closing. (It’s always good to have more than you think you may need, just in case.)</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">The approval team is asking to contact my boss—is that really necessary?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>As with any information we request, every piece comes from a specific need to get your loan closed. (We’re not here to go snooping, we promise.) For example, we may need to reach out to your supervisor to make sure you’re not on maternity/paternity leave, confirm any commission income, or that your title is the same as we have on your application.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">If I have questions in this phase, who should I ask?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Your main point of contact at the Verify phase changes from your loan team to your approval team, led by a loan processor. They’ll reach out to introduce themselves when it’s time.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div></div></div></div><div class="flex-v-full-top row--75rem _100"><div id="phase-close" class="anchor"></div><div class="label-medium color-lightblue">Close</div><div class="w-dyn-list"><div fs-cmsfilter-element="list" role="list" class="flex-v-full-top row--75rem w-dyn-items"><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">My pre-closing documents have different numbers than I was originally quoted. Why?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Because of the order of the process, this is common. Your pre-closing documents (called disclosures) may show different numbers than your original disclosures when we started the process. Here’s what might be causing the shift:</p><p>‍</p><p><strong>Interest Rate Changes:</strong> If there was a delay between the initial quote and the preparation of pre-closing documents, interest rates might have changed. This can affect your loan terms and monthly payments.</p><p>‍</p><p><strong>Appraisal Value: </strong>Your original disclosures were drafted before the property was appraised, so the final loan amount may be adjusted based on the appraised value of your property. If the appraisal comes in higher or lower than expected, it can influence the loan amount, interest rate, or required mortgage insurance.</p><p>‍</p><p><strong>Credit Score:</strong> If there have been changes in your credit score since the initial quote, this could impact the terms of your loan. (This is a good reason to not apply for any credit at any point in the mortgage process.)</p><p>‍</p><p><strong>Closing Costs:</strong> The estimate for closing costs can change as the lender gets more accurate information about third-party fees (like title insurance, appraisals, and attorney fees).</p><p>‍</p><p><strong>Loan Amount and Term Adjustments:</strong> Changes in the loan amount or term can occur based on final underwriting decisions.</p><p>‍</p><p>Reach out if you have any questions about your specific closing documents and we’ll walk you through them!</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">When will I receive the funds from my refinance or HELOC?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>There is a government-required waiting period taking place after you sign the final closing documents. This funding period starts the day after close, and ends midnight on the third business day. So, you won't see the proceeds until 3 business days later.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div></div></div></div><div class="flex-v-full-top row--75rem _100"><div id="phase-postclose" class="anchor"></div><div class="label-medium color-lightblue">Post-Close</div><div class="w-dyn-list"><div fs-cmsfilter-element="list" role="list" class="flex-v-full-top row--75rem w-dyn-items"><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">My loan was transferred. Who can I contact? </h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>The contact information will depend on where your loan was transferred:</p><p>‍</p><p><strong>ServiceMac (Lower)</strong><br/>Phone: 855-391-7832<br/>Email: support@myclientlower.com<br/>Online: https://lower.myhomeservicing.com/<br/>Mail: P.O. Box 100077 Duluth, GA 30096-9377</p><p>‍</p><p><strong>Provident Funding</strong><br/>Phone: 800-696-8199<br/>Online: https://www.provident.com/Register<br/>Mail: 1235 N. Dutton Ave, Suite E Santa Rosa, CA 95401</p><p>‍</p><p><strong>Valon</strong><br/>Phone: 855-218-3690<br/>Email: support@valon.com<br/>Online: https://valon.com/login</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">My refinance with Lower is complete and I received checks in the mail. What should I do with them?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>If you are using the money from your refinance to pay off other debts, you will need to mail the checks to the corresponding creditors for those debts to be paid.</p><p>‍</p><p>We recommend including your latest billing statement so the creditor can locate your account.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">Will my loan be transferred?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>It can be, but it’s completely normal, and occurs with an estimated 70% of mortgage loans in the US. So, it doesn’t have to do with anything you’ve done, or your personal details. If your loan is transferred, just know all the loan terms you’ve signed and agreed to stay the same. Where you send your payment changes.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">I received my first statement and my payment is due to Lower. How do I pay for it?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>If your first payment is due to Lower, you can pay your bill online at:</p><p>‍</p><p>‍<a href="http://lower.secureconduit.net">lower.secureconduit.net.</a></p><p>Payments by check can be made to:<br/>Lower LLC<br/>Attn: Mortgage Payment Processing<br/>125 Town Park NW Suite 300<br/>Kennesaw, GA 30144</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div><div start-open="" role="listitem" class="ds24-faq w-dyn-item"><div class="ds24-faq-top"><h4 fs-cmsfilter-field="question" class="h-small no-bot-m">When is my first payment due?</h4><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/655e1e533f791786b6e2af51_dropdown-arrow-lightblue.svg" loading="lazy" alt="" class="ds24-dropdown-arrow"/></div><div class="ds24-faq-content"><div fs-cmsfilter-field="answer" class="faq-rich w-richtext"><p>Most loans will have a first payment due on the first of the month, but some special programs (like HELOCs) can have different due dates. Make sure to refer to your Closing Documents and the First Payment Letter. You should also be receiving an email regarding your first payment.</p></div></div><div class="ds24-faq-content extra-cta w-condition-invisible"><div class="p-body-medium bot-m-1em color-ash">Ready to get started?</div><a data-w-id="78fc121c-a3e6-08a5-8c93-6f47028ec530" href="https://app.lower.com/mortgage/lightspeed" class="button w-inline-block"><div class="button-content"><div>Button text</div><div class="link-spacer"></div><svg viewBox="0 0 8 12" height="100%" width="auto" fill="none" stroke-linejoin="round" stroke-linecap="round" class="ds24-link-arrow"><path d="M2 10L6 6C4.4379 4.4379 3.5621 3.5621 2 2" stroke-width="2" stroke="currentColor"></path></svg></div></a></div><div class="ds24-faq-content extra-content w-condition-invisible"><a data-w-id="639f4d95-2674-4131-f3cc-6b6a2d684dc4" href="https://www.lower.com/blog-post/15-where-to-start-the-mortgage-loan-process-made-simple" class="small-article left no-bot-m w-inline-block"><div class="thumbnail-xsmall"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6514841f36b633dfbb6e6bd4_img-article-1.jpg" loading="lazy" alt="A house" class="bkg-image"/></div><div class="flex-v-left-center row--5em flex-fill"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/651464c4b37927f31f3827d1_icon-timer-smoke.svg" loading="lazy" alt="A timer icon" class="icon-small"/><div><div class="h-xsmall weight-medium no-bot-m color-smoke"></div></div></div><h3 class="h-small no-bot-m"></h3></div><div class="ds24-bkg-hover"></div><div class="link p-2em mobile-hide color-lightblue"><div class="link-text">Learn more</div></div></a></div><div class="ds24-faq-content icons w-condition-invisible"><div class="ds24-feature-grid"><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c9d24a88bc42e7a9e_icon-thumb-blue.svg" loading="lazy" alt="Thumbs Up Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Ease</h1><p class="p-body-small">We offer an intuitive online experience and personal expert help.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4c77bab5a434fc8452_icon-savings-blue.svg" loading="lazy" alt="Savings Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Affordability</h1><p class="p-body-small">We offer you the most affordable solution - now and in the long run. </p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/6577345fed6c7cd79ad378a7_icon-star-blue.svg" loading="lazy" alt="Star Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Transparency</h1><p class="p-body-small">We keep everything as clear as possible and in plain English.</p></div></div><div class="ds24-icon-feature left"><div class="ds24-medium-icon-fig lightblue"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/65772f4cdb17a19faca6ff79_icon-shield-blue.svg" loading="lazy" alt="Security Icon" class="icon-medium"/></div><div class="ds24-icon-content"><h1 class="h-small">Trust</h1><p class="p-body-small">Trusted by our borrowers, real estate agents, investors and partners.</p></div></div></div></div></div></div></div></div></div></div></div></div><div class="section---mapbox-and-collection-list"><div class="container small"><div class="split center"><div class="split-content split-small shrink"><div class="content-card no-hover"><div class="cc-content row-1-5rem"><div class="flex-h-center col--5em"><img src="https://cdn.prod.website-files.com/5ef3b440084a4e99e1ef10f9/62a7834308698375bc863285_trustpilot-logo.svg" loading="lazy" alt=""/></div><div><h3 class="h-xsmall bot-m--25em">Top Mortgage 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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>‍</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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