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Lower.com

Lower.com

Homeside Financial LLC

The Lower app is your place to save for and finance a home.

4.5 Ratings 252+ Reviews 10K+ Downloads

Ratings & Reviews

Write a Review
  • Easy and Interactive Feb 24, 2021

    By LissetteYT
    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
  • Jul 8, 2021

    By Mike Notarangeli
    Lower is a great find. Very professional, hassle free experience. Knowledgeable and friendly resources available to talk through various aspects of financing.
  • Great way to save! Jun 8, 2021

    By Hienwong
    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
  • Awesome idea for an app Dec 11, 2020

    By Robby Macs
    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!
  • May 27, 2021

    By Gaurav Verma
    Excellent. I loved using this application it is very easy to use though Richard from Lower describes it so well and Richard is very knowledgeable and great in communicating everything to customer & I was able to setup and send my fund instantly. It's a great way to have little funds towards buing new home
  • 1 stop shop for savings! Dec 11, 2020

    By rguthrie10
    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!
  • May 3, 2021

    By Christopher King
    Excellent lender. Very personable, professional, and caring. The app is very helpful and easy to use, and provides future homebuyers with tools useful for tracking savings and credit scores.
  • Works with the right bank May 13, 2021

    By Markham Asylum
    App has my primary bank listed but it always errored when trying to use it. Lower's support team said it was a known issue that they wouldn't be fixing anytime soon. I ended up creating a temporary checking account with another bank just to transfer $1000 from my primary and then to Lower. That worked, and was worth the hassle, but the app shouldn't list any banks with which the app is having issues.
  • Jul 15, 2021

    By Crystal Fattizzi
    Super easy to use. Great app and idea
  • Easy to navigate Apr 12, 2021

    By Laura59866
    Lower app has made it easy to navigate saving for our closing costs. We appreciate the matching programs in place. Not only will we have the money saved for when the time comes, but the additional bonus from using the app will come in handy.
  • Easy and Interactive Feb 24, 2021

    By LissetteYT
    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
  • Jul 8, 2021

    By Mike Notarangeli
    Lower is a great find. Very professional, hassle free experience. Knowledgeable and friendly resources available to talk through various aspects of financing.
  • Great way to save! Jun 8, 2021

    By Hienwong
    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
  • Awesome idea for an app Dec 11, 2020

    By Robby Macs
    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!
  • May 27, 2021

    By Gaurav Verma
    Excellent. I loved using this application it is very easy to use though Richard from Lower describes it so well and Richard is very knowledgeable and great in communicating everything to customer & I was able to setup and send my fund instantly. It's a great way to have little funds towards buing new home
  • 1 stop shop for savings! Dec 11, 2020

    By rguthrie10
    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!
  • May 3, 2021

    By Christopher King
    Excellent lender. Very personable, professional, and caring. The app is very helpful and easy to use, and provides future homebuyers with tools useful for tracking savings and credit scores.
  • Works with the right bank May 13, 2021

    By Markham Asylum
    App has my primary bank listed but it always errored when trying to use it. Lower's support team said it was a known issue that they wouldn't be fixing anytime soon. I ended up creating a temporary checking account with another bank just to transfer $1000 from my primary and then to Lower. That worked, and was worth the hassle, but the app shouldn't list any banks with which the app is having issues.
  • Jul 15, 2021

    By Crystal Fattizzi
    Super easy to use. Great app and idea
  • Easy to navigate Apr 12, 2021

    By Laura59866
    Lower app has made it easy to navigate saving for our closing costs. We appreciate the matching programs in place. Not only will we have the money saved for when the time comes, but the additional bonus from using the app will come in handy.
  • Jun 27, 2021

    By Darcie Venable-Mehringer
    STILL not able to link my bank account. When will this problem be fixed?
  • Apr 1, 2021

    By Matthew Potter
    Well in theory it's nice. Clean, inviting app, good rates etc. I have tried for 3 months now to get someone to contact me for a quote by text or phone. By text, they ask for email verification and then it stops there every time. The phone calls just never come. Oh well.
  • Apr 5, 2021

    By Eric Ricciardelli
    Poor communication, dropped the ball
  • Jan 20, 2021

    By Ranjan Lamichhane
    Absolutely terrible. I tried to use this app for refinancing my home. They have this nice modern UI and all that, however their service is still your standard traditional real-estate garbage. After you submit your application, you wait for their call and have to repeat everything to them. Then, they'll transfer you to someone relevant to your state and you rinse and repeat. There's no user dashboard, and they'll not call you for a week. They are unfamiliar with texting and emailing technologies.

No reviews available

No reviews available

  • Easy and Interactive Feb 24, 2021

    By LissetteYT
    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
  • Jul 8, 2021

    By Mike Notarangeli
    Lower is a great find. Very professional, hassle free experience. Knowledgeable and friendly resources available to talk through various aspects of financing.
  • Great way to save! Jun 8, 2021

    By Hienwong
    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
  • Awesome idea for an app Dec 11, 2020

    By Robby Macs
    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!
  • May 27, 2021

    By Gaurav Verma
    Excellent. I loved using this application it is very easy to use though Richard from Lower describes it so well and Richard is very knowledgeable and great in communicating everything to customer & I was able to setup and send my fund instantly. It's a great way to have little funds towards buing new home
  • 1 stop shop for savings! Dec 11, 2020

    By rguthrie10
    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!
  • May 3, 2021

    By Christopher King
    Excellent lender. Very personable, professional, and caring. The app is very helpful and easy to use, and provides future homebuyers with tools useful for tracking savings and credit scores.
  • Jul 15, 2021

    By Crystal Fattizzi
    Super easy to use. Great app and idea
  • Easy to navigate Apr 12, 2021

    By Laura59866
    Lower app has made it easy to navigate saving for our closing costs. We appreciate the matching programs in place. Not only will we have the money saved for when the time comes, but the additional bonus from using the app will come in handy.
  • Highly recommend! Feb 23, 2021

    By mbsaeger
    Jade from Lower recommended the Lower app. The Lower app was super easy to use. I was able to set up my account, link my bank account and make my first deposit in no time at all. Great opportunity to get the HomeCash match as well! Highly recommend for anyone purchasing with Lower.
  • Works with the right bank May 13, 2021

    By Markham Asylum
    App has my primary bank listed but it always errored when trying to use it. Lower's support team said it was a known issue that they wouldn't be fixing anytime soon. I ended up creating a temporary checking account with another bank just to transfer $1000 from my primary and then to Lower. That worked, and was worth the hassle, but the app shouldn't list any banks with which the app is having issues.
  • Apr 22, 2021

    By Leon Redeross
    I'm new to this company as well as app. So far the app has made everything convient and easy to follow.

No reviews available

  • Jun 27, 2021

    By Darcie Venable-Mehringer
    STILL not able to link my bank account. When will this problem be fixed?
  • Jan 20, 2021

    By Ranjan Lamichhane
    Absolutely terrible. I tried to use this app for refinancing my home. They have this nice modern UI and all that, however their service is still your standard traditional real-estate garbage. After you submit your application, you wait for their call and have to repeat everything to them. Then, they'll transfer you to someone relevant to your state and you rinse and repeat. There's no user dashboard, and they'll not call you for a week. They are unfamiliar with texting and emailing technologies.
  • Apr 1, 2021

    By Matthew Potter
    Well in theory it's nice. Clean, inviting app, good rates etc. I have tried for 3 months now to get someone to contact me for a quote by text or phone. By text, they ask for email verification and then it stops there every time. The phone calls just never come. Oh well.
  • Apr 5, 2021

    By Eric Ricciardelli
    Poor communication, dropped the ball

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