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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 give you a dollar 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 saving 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/save.

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

What’s New

Version 1.0.45 (105)

UX improvements, exception handling upgrades, performance enhancements.

Ratings and Reviews

4.7 out of 5
108 Ratings

108 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

Robby Macs ,

Awesome idea for an app

I love keeping my finances organized, and this app is amazing for that. The fact that I have a designated space for my down-payment savings helps me stay focused on the goal, and the app continually helps keep me in check on my credit score as well. The best part - this is actually saving me money on my down payment with a great mortgage company! They will be knocking off $1,000 from my down payment, just for using this app!

rguthrie10 ,

1 stop shop for savings!

This app keeps you focused on your saving goals so you can afford to buy a home quicker! Also keeps you updated on your credit score; staying on top of the best rates. Nothing better than the match program that generates savings for a down payment faster - overall, awesome!

App Privacy

The developer, Homeside Financial 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


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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