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5.0
3,100+ reviews
4.9
2,600+ reviews
4.9
9,600+ reviews
4.9
4,300+ reviews
4.9
43,900+ reviews
"Quick and simple."
50,000+ Five-Star Reviews

Only at Lower

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Buy a Home From Your Phone

It's a mortgage application without that "mortgage application" feel.

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Even on Weekends

Text, call, or email your loan advisor 7 days a week. Day or night, on your schedule.

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Refreshingly Real

We use all of our creative might to build the best loan, at the best price, just for you.

And refinance for free.
For life.*

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No lending fees

Buy or refinance once and pay absolutely no lending fees again—that’s $1,500+ savings every time.

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Worry free

Buy now or refinance now and know you can lower your rate later with peace of mind.

Don't take our word for it.

Over 50,000 five star reviews and counting

5.0
Bankrate Logo
3,100+ reviews
4.9
Trustpilot Logo
2,600+ reviews
4.9
Google Logo
4,300+ reviews
4.9
Experience Logo
43,900+ reviews
5.0

I have known Jill for over 20 years. She's helped me through at least six home purchases or re-fi's, and three of those were after my divorce. I didn't know where to start but Jill walked me through it step by step. I wouldn't go to anyone else.

Pamela S.

Image Verified Customer
5.0

I am beyond grateful for everything you did to help me get approved for my home loan and make my dream of becoming a homeowner come true. From the very beginning, you believed in me, worked tirelessly on my behalf, and never gave up, even when things became challenging. Your dedication, constant communication, and willingness to answer every question made such a stressful process feel so much easier. You always made me feel comfortable, supported, and confident that everything would work out. Because of your hard work and commitment, my family and I now have a place to call home, and that is something we will never forget. Thank you for going above and beyond for us. Your kindness, patience, and determination have truly made a lasting impact on our lives, and we will always be grateful.

Braniah M.

Image Verified Customer
5.0

My experience working with Tim on my mortgage was outstanding! I was moving from out of state, and everything was completed online and communication via email, text, and phone. Tim explained everything very thoroughly and made it very easy to understand. I would highly recommend working with Tim - this was the best experience I've ever had with a mortgage.

Dustin P.

Image Verified Customer
5.0

Constant updates throughout the process.

Austin P.

Image Verified Customer
5.0

Absolutely. Here’s a polished version that keeps the warmth and enthusiasm of what you experienced while still sounding credible as a professional review: Working with my broker was truly an exceptional experience. From beginning to end, she was absolutely dynamite. She guided me through every step of the home-buying and financing process, patiently answered my many questions, and made herself available even during off-hours and on weekends. More importantly, she didn't just tell me what was happening—she educated me along the way, which helped me feel informed and confident in the decisions I was making. Throughout the entire process, I genuinely felt that she was advocating for me and working to ensure I received the best deal and outcome possible. Her responsiveness, professionalism, knowledge, and commitment went well beyond my expectations. Purchasing a home can be an overwhelming experience, but with her assistance, it became one of the easiest and most pleasant major transactions I've ever experienced. She is truly a gem in her field, and I would recommend her without hesitation to anyone looking for a knowledgeable, dedicated, and genuinely client-focused mortgage professional. Five stars aren't enough!

Benjamin C.

Image Verified Customer
5.0

the attention of detail and the way she was always available to answer our questions . Shes also super kind and supportive in every way. I dont think there's a better person than Alyssa.

Phillip D.

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5.0

From the beginning of our process Nadia made everything very clear and left no room for doubt or confusion, any question I had she answered thoroughly . It was a great pleasure working with Cabrales thanks to Nadia , I would definitely have her as my first option , for anybody who's a first time home buyer or even just looking into investing in more property. Her experience shows immediately upon your first interaction , and her customer service is beyond what I expected.

Alan P.

Image Verified Customer
5.0

The whole process was GREAT!

Leonela G.

Image Verified Customer
5.0

Kept us informed constantly Quick service

Donna M.

Image Verified Customer
5.0

gracias por tu apoyo y por cada explicación siempre que lo necesite.

Gabriela M.

Image Verified Customer
5.0

Fantastic experience from start to finish. McLean was knowledgeable, responsive, and genuinely invested in helping us get the best loan for our situation. He made the entire process easy and stress‑free. Highly recommend!

Tyler S.

Image Verified Customer
5.0

Earnest was thorough, accessible, and responsive.

Yvonne A.

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