Lower.com
FinanceHomeside Financial LLC
The Lower app is your place to save for and finance a home.
10K+
Downloads
About Lower.com
The Lower app is your place to save for and finance a home.
see more about Lower.com
Lower.com
About Lower.com
Featuring a dollar-for-dollar HomeCash Match and FDIC-insured HomeFund.
FDIC-INSURED SAVINGS
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.
HOMECASH™ MATCH
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.
GOAL TRACKING
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.
HOME FINANCING
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.
CREDIT MONITORING
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.
EQUAL HOUSING LENDER
NMLS ID #1124061
nmlsconsumeraccess.org
FDIC-INSURED SAVINGS
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.
HOMECASH™ MATCH
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.
GOAL TRACKING
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.
HOME FINANCING
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.
CREDIT MONITORING
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.
EQUAL HOUSING LENDER
NMLS ID #1124061
nmlsconsumeraccess.org
Ratings & Reviews
4.5
252+ Ratings
5
82+%
4
5+%
3
2+%
2
3+%
1
7+%
Community
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Easy and Interactive
Feb 24, 2021 By LissetteYTEasy 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 more -
Jul 8, 2021 By Mike NotarangeliLower 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 HienwongI 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 more -
Awesome idea for an app
Dec 11, 2020 By Robby MacsI 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! more -
May 27, 2021 By Gaurav VermaExcellent. 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 more -
1 stop shop for savings!
Dec 11, 2020 By rguthrie10This 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! more -
May 3, 2021 By Christopher KingExcellent 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 AsylumApp 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. more -
Jul 15, 2021 By Crystal FattizziSuper easy to use. Great app and idea -
Easy to navigate
Apr 12, 2021 By Laura59866Lower 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. more
-
Easy and Interactive
Feb 24, 2021 By LissetteYTEasy 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 more -
Jul 8, 2021 By Mike NotarangeliLower 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 HienwongI 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 more -
Awesome idea for an app
Dec 11, 2020 By Robby MacsI 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! more -
May 27, 2021 By Gaurav VermaExcellent. 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 more -
1 stop shop for savings!
Dec 11, 2020 By rguthrie10This 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! more -
May 3, 2021 By Christopher KingExcellent 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 AsylumApp 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. more -
Jul 15, 2021 By Crystal FattizziSuper easy to use. Great app and idea -
Easy to navigate
Apr 12, 2021 By Laura59866Lower 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. more
-
Jun 27, 2021 By Darcie Venable-MehringerSTILL not able to link my bank account. When will this problem be fixed? -
Apr 1, 2021 By Matthew PotterWell 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. more -
Apr 5, 2021 By Eric RicciardelliPoor communication, dropped the ball -
Jan 20, 2021 By Ranjan LamichhaneAbsolutely 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. more
No reviews available
No reviews available
-
Easy and Interactive
Feb 24, 2021 By LissetteYTEasy 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 more -
Jul 8, 2021 By Mike NotarangeliLower 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 HienwongI 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 more -
Awesome idea for an app
Dec 11, 2020 By Robby MacsI 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! more -
May 27, 2021 By Gaurav VermaExcellent. 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 more -
1 stop shop for savings!
Dec 11, 2020 By rguthrie10This 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! more -
May 3, 2021 By Christopher KingExcellent 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 FattizziSuper easy to use. Great app and idea -
Easy to navigate
Apr 12, 2021 By Laura59866Lower 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. more -
Highly recommend!
Feb 23, 2021 By mbsaegerJade 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. more
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Works with the right bank
May 13, 2021 By Markham AsylumApp 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. more -
Apr 22, 2021 By Leon RederossI'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-MehringerSTILL not able to link my bank account. When will this problem be fixed? -
Jan 20, 2021 By Ranjan LamichhaneAbsolutely 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. more
-
Apr 1, 2021 By Matthew PotterWell 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. more -
Apr 5, 2021 By Eric RicciardelliPoor communication, dropped the ball
What’s Groovy
The app looks nice. The user interface is simple and elegant, which is designed to provide smooth user journeys. However, I encountered a major technical issue during the very first interaction: I was not able to link my bank accounts (tried two different banks). The linking via Plaid works fine, but the internal check after that fails. Update: After a week, I tried again, and I was able to link my bank account and made a deposit.
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less
What’s Subpar
Finally able to connect bank but now it keeps telling me my bank doesn't have enough money to deposit in my homecash account. It feels like it's always something. It's a pretty app but it just doesn't work.
more
less
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Lower.com
Release Notes
1.0.78
1.0.78
1.0.78
July 28, 2021
Minor UI/UX improvements and bug fixes.
1.0.76
July 16, 2021
Deep linking support and small bugfixes.
1.0.75
July 13, 2021
UX updates and improvements to our recurring deposit and regular deposit flow.
1.0.71
June 30, 2021
Minor bug fixes and stability upgrades.
1.0.68
June 28, 2021
Small bug fixes and stability upgrades.
1.0.67
June 26, 2021
Small stability improvements and optimizations.
1.0.66
June 25, 2021
Customer Advice Tool updates and minor bug fixes.
1.0.65
June 24, 2021
Advice Tool for new customers and upgrades to the sign up process
1.0.63
June 22, 2021
Small bugfixes and performance enhancements
1.0.60
June 11, 2021
Bugfixes and stability upgrades
1.0.59
June 3, 2021
Minor bug fixes and stability improvements.
1.0.58
June 1, 2021
Updates to Join and Login process
1.0.54
May 21, 2021
Recurring deposit configuration small visual adjustments.
1.0.53
May 14, 2021
Minor bugfixes and improvements on account management
1.0.52
May 11, 2021
Minor bugfixes and Plaid integration upgrades.
1.0.51
May 3, 2021
Terms and Legal copy updates.
1.0.50
April 29, 2021
New promotional code feature, copy updates, stability improvements.
1.0.48
April 16, 2021
UX improvements, better alert messaging, performance enhancements.
1.0.45
April 13, 2021
UX improvements, exception handling upgrades, performance enhancements.
1.0.42
April 2, 2021
Small bugfixes and user experience upgrades.
1.0.36
March 19, 2021
User Experience improvements on transaction listings and credit.
1.0.35
March 12, 2021
Base framework updates and stability upgrades.
1.0.33
March 8, 2021
Small bugfixes and configuration updates.
1.0.32
March 6, 2021
Small bugfixes and stability improvements.
1.0.31
March 5, 2021
Cache and performance optimizations. Stability improvements.
1.0.30
February 23, 2021
Small onboarding process improvements.
1.0.29
February 22, 2021
Small bugfixes and copy updates
1.0.27
February 19, 2021
Small bugfixes and copy updates. New onboarding process.
1.0.26
February 14, 2021
Small bugfixes and copy updates
1.0.24
February 10, 2021
Performance adjustments and better balance between API requests and local storage.
1.0.23
February 8, 2021
Framework security upgrades and stability improvements.
1.0.22
February 5, 2021
Sign up UX enhancements
1.0.21
February 3, 2021
Small bugfixes and stability enhancements
1.0.19
January 29, 2021
Small bugfixes and performance improvements.
1.0.17
January 26, 2021
Accessibility updates and minor bug fixes.
1.0.16
January 21, 2021
Minor bug fixes. Performance improvements. Pagination for transaction screens.
1.0.15
January 15, 2021
Additional input validations.
1.0.13
January 14, 2021
Performance optimizations.
1.0.12
January 11, 2021
Minor fixes. Improvements to signup analytics
1.0.11
January 10, 2021
Rates service update. Small bug fixes.
1.0.10
January 6, 2021
Minor bug fixes. Some performance improvements.
1.0.9
January 4, 2021
Small fixes and in app notifications to guide customer flow
1.0.8
December 22, 2020
New rate compare section. Design updates. Small bug fixes. Analytics improvements.
1.0.7
December 18, 2020
Minor design updates and improvements
1.0.6
December 14, 2020
Small fixes for autocomplete and keyboard interaction
1.0.5
December 12, 2020
Fix for some messaging on authentication fail. Update for messaging on transaction fail. Small improvement for bank validation flow.
46MB
English
Everyone
No
1.0.77 (137)
1.0.77 (137)
July 28, 2021
Minor UI/UX improvements and bug fixes.
1.0.76 (136)
July 17, 2021
Deep linking support and small bug fixes.
1.0.75 (135)
July 14, 2021
UX updates and improvements to our recurring deposit and regular deposit flow.
1.0.72 (132)
July 3, 2021
Small bug fixes and improvements.
1.0.68 (128)
June 29, 2021
App preview updates and small bug fixes.
1.0.67 (127)
June 27, 2021
Small stability improvements and optimizations.
1.0.66 (126)
June 26, 2021
Home Advice Tool, Sign Up updates and minor bug fixes.
1.0.63 (123)
June 23, 2021
Small bug fixes and performance improvements.
1.0.60 (120)
June 13, 2021
Small bug fixes and stability upgrades
1.0.59 (119)
June 4, 2021
Minor bug fixes and stability improvements.
1.0.58 (118)
June 2, 2021
Updates and UX improvements to the Login and Join sections. Minor bug fixes.
1.0.54 (114)
May 23, 2021
Recurring deposit configuration small visual adjustments.
1.0.53 (113)
May 15, 2021
Minor bugfixes and improvements on account management.
1.0.52 (112)
May 12, 2021
Minor bugfixes and Plaid integration upgrades.
1.0.51 (111)
May 4, 2021
Terms and Legal copy updates.
1.0.50 (110)
April 30, 2021
New promotional code feature, copy updates, stability improvements.
1.0.48 (108)
April 17, 2021
UX improvements, better alert messaging, performance enhancements.
1.0.45 (105)
April 14, 2021
UX improvements, exception handling upgrades, performance enhancements.
1.0.42 (102)
April 3, 2021
Small bugfixes and user experience upgrades.
1.0.36 (95)
March 20, 2021
User Experience improvements on transaction listings and credit.
1.0.35 (94)
March 12, 2021
Base framework updates and stability upgrades.
1.0.33 (92)
March 9, 2021
Small bugfixes and configuration updates.
1.0.32 (91)
March 8, 2021
Small bugfixes and stability upgrades.
1.0.31 (90)
March 6, 2021
Cache and performance optimizations. Stability improvements.
1.0.30 (89)
February 24, 2021
Additional improvements to the onboarding process for new customers.
54.9MB
English
4+
No
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