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© 2024 Lower, LLC, dba Gerber Group, is a subsidiary of Lower Holding Company. NMLS #1124061 5950 Symphony Woods Road, Suite 312, Columbia, MD 21044 | nmlsconsumeraccess.org | equal housing lender. Licensed in 45 states including the District of Columbia | Arizona Mortgage Banker License -- 1000936 | Massachusetts Mortgage Broker License -- MC1124061 |  Massachusetts Mortgage Lender License -- MC1124061 | Lower, LLC conducts business in Kentucky, and Washington as Lower.com, LLC; Montana as Lowerdotcom, LLC; Oklahoma as “Lower Mortgage, LLC.Home lending products offered by Lower, LLC. Lower, LLC is a family of companies. Lower® and its DBAs (Homeside Financial, AMSW Lending, Community Lending, Alderus Mortgage, AMSW Lending, Community Lending, Fairfax Mortgage, First Trust Mortgage Company, First World Home Loans, Hamilton Home Mortgage, Heckman Mortgage, Home Team Lending), Homeside Financial, Key Mortgage Group, McCaughan Home Lending, Oxford Home Lending, lower.com, PowerTPO, Sky Mortgage Group, True Lending, Universal Lending Home Loans, Yes Mortgage) provide home loans; Lower Realty, LLC provides real estate services; Lower Insurance, LLC facilitates shopping experience for homeowner’s Insurance policies.

By refinancing your existing loan, your total finance charge may be higher over the life of the loan. The annual percentage rate (APR) is variable and is based on the value of an index plus a margin. The index is the highest rate of interest identified as the 'Prime Rate' in the 'Money Rates' section of the Wall Street Journal. *Your APR may be higher and will be based on the variable-rate index value in effect at the time of account opening, your credit qualifications, amount of the line of credit, Loan-to-Value (LTV) ratio, and type of property. Your APR will not exceed 18% and your APR may not drop below 4%.. Interest rates change daily.