Lending with a positive Vybe.

When it feels right, that's the move.
Go with the team who's got you every step of the way.

Find Your Expert

That feeling when...
you learn something new.

We're the experts ready to give
you the lowdown on the process.

First-time
Homebuyers

If you’re new to this, being a little nervous is totally normal.
You’re just excited to get started. So are we. Put your mind at ease by brushing up on what goes into owning your first house.

Here's a great place to start.
Plus, we'll get creative for you.

Property Investor loan

DSCR Loan

Debt service coverage ratio uses rental income to qualify for financing

Flexible Requirement Loan

Non-QM Loan

Flexible income and credit requirements provide financing options for unique situations.

Home Seller Loan

Bridge Loan

Short-term financing for homebuyers who have a house to sell.

Credit Card Payoff Loan

Cash-out Refinance

Up to 95% loan-to-value ratio made for paying off high-interest debt.

Rural Homeowner Loan

USDA Loan

Zero down, lower rates and lower credit reqs. Made for rural properties.

High-earner home loan

Jumbo Loan

Special financing for higher value properties with limits set by location.

US Military Loan

VA Loan

Lower down payment and lower interest rates for US Military Veterans.

Well-Qualified Loan

Conventional Loan

Great for well-qualified individuals, with lower rates and less hoops.

First-time Homeowner Loan

FHA Loan

Lower down payment and lower barriers-perfect for the first-time buyer.
Good Home Vibes Only
Good Home Vibes Only
Good Home Vibes Only
Good Home Vibes Only

Feels good to be home.
Let's get you there.

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© XXXX Lower Holding Company, dba Vybe Mortgage. Lower is a family of companies. Lower® and its DBAs (Homeside Financial, AMSW Lending, Fairfax Mortgage, Key Mortgage Group, Yes Mortgage and Vybe Mortgage.) provide home loans; Lower Realty, LLC provides real estate services; Homeside Insurance Services, LLC facilitates shopping experience for homeowner’s insurance policies. All rights reserved. Conducts business as “Lower.com, LLC” in Kentucky, Minnesota, Oklahoma, and Washington in lieu of Lower, LLC. Conducts business as “Lowerdotcom, LLC” in Montana in lieu of Lower, LLC

Home lending products offered by Lower | 5950 Symphony Woods Road, Suite 312, Columbia, MD 21044