overall 4.9 rating

AI-driven mortgage
experience platform

No-impact credit check. No commitment.

“Quick and simple.”

1,000+ Quotes Sent

Exclusively at Future

From your phone.

It’s a mortgage application without that “mortgage application” feel. Apply in 3 mins or less.

No commitment. See if you qualify.
Your loan update is ready!

Even on weekends.

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

Refreshingly real.

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

Refinance for free. For life.

Buy or refinance once with Lower, and we’ll cover the lending fees on your refinances, for life.*

$0

Lender Fees

0

Hidden Surprises

Excellence is our Promise

Smart Technology, Built for You.

Say goodbye to overpaying.

We've built the smartest mortgage platform in the country, delivering speed, accuracy, and affordability.

What’s the right mortgage for me?

Ready to start?

Building

10 min read

The Loan Process Made Simple

Buy a home

Get financing to buy the
house you’ve always wanted.
Refinance

Change your rate or your term.
Let’s figure out what’s best for you.
Access equity

Take money out of your home
to pay for whatever you need.

Trusted by over 1,000+
customers across the U.S.

Don't take our word for it

Ready to take the next step?

Stars Group

Over 100+ five star reviews and counting

4.8

2,500+ reviews
4.9

9,300+ reviews
4.9

28,800+ reviews
4.9

4,300+ reviews

And refinance,
for free. For life.

$0

No lending fees

Buy or refinance once and pay absolutely nol ending fees again—that’s $1,500+ savings every time.

0

Worry free

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