Lower.com 4+

Save up. Earn $. Buy home‪.‬

Lower, LLC

Designed for iPhone

    • 4.7 • 176 Ratings
    • Free

iPhone Screenshots


Let’s Make You a Homeowner!
Set your goal, save for a down payment, get advice, check your credit, then buy that home. Everything you need to get your finances in line and be dream-home ready—all in the Lower app.

Save with HomeFund™. It's the place to save, specifically for your home. While you're earning HomeCash on each deposit, your HomeFund is building long-term interest. It all adds up to saving for—and buying—a home faster.

For every dollar you deposit into your savings, we’ll match you with a dollar in HomeCash™. Once you’re ready to buy, use HomeCash™ toward the purchase of your home.

Set goal. Build savings. Celebrate. Tell us how much you want to save, and we’ll do the rest. Set goal. Get reminders. See your savings grow. We’re here to show you the way to buying your home.

Keep an eye on mortgage rates in the app while your HomeFund grows. Once you've met your savings goal, your loan advisor is just one tap away.

Get your credit ready. You’ve got your savings going, now it's time to get that credit score in shape. Keep tabs on your score in the app and get credit-ready while you save.

Check it all out at Lower.com/app

Lower is a DBA of Homeside Financial, LLC.
NMLS ID #1124061

What’s New

Version 1.0.112

Minor UX improvements

Ratings and Reviews

4.7 out of 5
176 Ratings

176 Ratings

LissetteYT ,

Easy and Interactive

Easy and build around to help borrowers to achieve their lending goals.
These are pros:
- Lower matches the first $1,000 towards the closing cost
- Interactive and easy to use
- User friendly

These are the cons:
- If for any reason you deposit the money into the HomeCash and do not close with Lower you will forfeit your money
- You must link your bank account to be able to deposit the money. The settings stated that you will be able to make a tranfer using your bank, ACH; but it does not provide an account number or/and routing number to accomplish it
- If you are already working with a Lower lender agent, he/she does not know if you deposit the money until you upload a screen shot of the deposit into your folder since there is not a direct link.
- Once you deposited the money, you will get a call from a lender agent asking what you will be planning to do with that money. The app should use your personal information to verify that you are already in the process to purchase/refinance a house and notified the lender agent

tamluk ,

Stress free process !

I am pleasantly surprised at how stress free my entire experience as a first time homebuyers as with this company… the app not only made it easy for me to save money for the down payment but Lower’s savings match truly helped with closing costs. Lower not only offered me the best rates and lowest closing costs, but my agent Richard G. Was by far the most professional I had worked with during this home-buying process! I have already recommended Lower and the app to 2 friends who are also buying homes .

Hienwong ,

Great way to save!

I love simplicity, and this is app did not disappoint. Not only could I easily set up a recurring deposit to help with savings, but when you open an account they will also match dollar-for-dollar (up to $1000) that you can use towards closing costs. When shopping for a mortgage I primarily look for 3 things: 1) best rate possible 2) low closing costs 2) streamlined application process. Lower and this app certainly fulfilled those 3 things, so I’m very satisfied with my experience

App Privacy

The developer, Lower, LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

More By This Developer


You Might Also Like