Lower is a modern mortgage and home finance company committed to making homeownership simpler and more accessible. Backed by innovative technology and a customer-first approach, Lower helps people buy, refinance, and now—retire more confidently with specialized reverse mortgage solutions.
What is a Reverse Mortgage?
A reverse mortgage allows homeowners aged 62 or older to access a portion of their home’s equity as tax-free cash—without giving up ownership or making monthly mortgage payments. It’s a powerful tool for supplementing retirement income, covering expenses, or simply gaining financial peace of mind.
This material is not provided by, nor was it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA). It is not intended to be a substitute for legal, tax or financial advice. Consult with a qualified attorney, accountant or financial advisor for additional legal or tax advice.
*There are some circumstances that will cause the loan to mature and the balance to become due and payable. The borrower(s) must continue to pay for property taxes and insurance and maintain the property to meet HUD standards or risk default. Credit is subject to age, minimum income guidelines, credit history, and property qualifications. Program rates, fees, terms and conditions are not available in all states and subject to change.
