Refinance Calculator | Lower

Refinancing pays off.

Calculate your annual savings.

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

Lower® Refi Rates*

3.540% Apply Now

Customize yours.


Annual Savings.*

Your current interest rate: Your current rate:
What you owe on your home: Amount owed:

Say hello
to cashflow.

Lower monthly payments and lower interest rates. So you have more money in your pocket every month. That's how we do Lower.

Talk to us How It Works
  • No-Risk Soft Credit Pull

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

  • Lower Everything

    Lower rates, lower fees, lower payments, We've made it easy for you to save more.

  • No-Cost Call

    See if refinancing is worth it for you. Just give us a call. It’s the right price: free.

  • Free Refi for Life

    Limited time only. Refinance once with, then pay no lending fees on future refinances, for life.*

Lower your rate or change your term.

Pay less per month, or pay less interest over the life of your loan, or do both! You can even access equity to pay off high-interest debt like credit cards. We’ll walk you through your best options.

Save more per month.

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See what others are saying.

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

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