HELOC | Lower

Up to 95% LTV with a HELOC Combo

Calculate your available funds.

Pay off more high-interest debt. Make more home renovations. All with the Lower™ Home Equity Line of Credit.

Heloc Combo Rates*


95% LTV*

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Customize yours.


Available to you.

Your home value Your home value
What you owe on your home Amount owed

Say hello
to cashflow.

Lower monthly payments and lower interest rates make paying off your debt or renovating your home actually possible. (That’s how we do Lower.)

Apply Now How It Works
  • No-Risk Soft Credit Pull

    Seeing if you qualify is super easy and won’t damage your credit.

  • Interest Only

    A lower monthly payment so you can use that extra cash to get to a better place.

  • Borrow up to $350k

    Access as much of your equity as possible—up to $350k with Lower®.

  • Free Refi for Life

    Limited time only. Get a Lower® HELOC, then pay no lending fees on future refinances, for life.*

Get the most out of your equity.

Access more equity to pay off more debt. By unlocking up to 95% of your home’s equity, you can pay off more debt than other lenders only offering up to 80%.

Borrow more.


$62,500 | 95% LTV


$25,000 | 80% LTV

Compare your options.

Up to 95% LTV
Interest Rate
Loan Term
Monthly Payments
Flexible Spending
Free Refi for Life*
Up to 95% LTV
Interest Rate Lowest
Loan Term 10 YRS
Monthly Payments Lowest
Flexible Spending
Free Refi for Life*

Personal Loan

Up to 95% LTV N/A
Interest Rate Highest
Loan Term 1-5 YRS
Monthly Payments Highest
Flexible Spending
Free Refi for Life*

Traditional HELOC Avg. HELOC

Up to 95% LTV
Interest Rate Average
Loan Term 10 YRS
Monthly Payments Average
Flexible Spending
Free Refi for Life*
Apply Now

Why people love working with us.

Very outstanding.

The process went quicker than I expected and Logan was up to date on all steps of the process. I would recommend him to anyone buying or refinancing.

aaheatandcoo | Spring Lake, MI

Better than imagined.

This is not my first refinance. Geza Rakoczi was extremely professional and went above and beyond to make sure our refi went smoothly and got it done!

dkeil9 | Miami, FL

Extremely professional

I recently refinanced my primary residence and took out a HELOC through Lower. Throughout the entire process Scott kept me informed with updates, was extremely responsive and very professional.

Derek N | Castle Rock, CO

Very knowledgeable

Jared did an amazing job consolidating all of our debt and putting us into a great loan! I highly recommend working with him. He was always available when I had questions.

kyle41eshleman | Cleveland, OH

Clear & easy process.

With rates rising I needed to refinance my variable rate mortgage - Ryan provided options and helped me get into a low fixed rate in a few weeks.

jdmasdea | Canton, GA

Top Professional

Jared worked closely with us to provide refinance/HELOC options, kept us in the loop through every step of the process, and was always very responsive to any questions or concerns.

kauailover | Pittsburgh, PA

Highly Recommend!

Miles was incredibly kind and helpful through the entire process. We had never purchased a home before, but Miles helped keep us at ease.

Madeline Hoffman | Cincinnati, OH

Great experience.

Everything went smooth and fast, always available to take your calls and messages. Will highly recommend for any new home owners.

Anonymous user | Beaumont, TX

— 25,000+ customer reviews

— 98.6% customer satisfaction