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Win the home with the ultimate cash offer.1

You’ve got the exclusive invite to MortgagePass, your fast pass to home.

Ultimate cash offer.

No appraisal contingency. No financing contingency. Just like cash, but better.

Priority processing.

Jump to the front of the line. Close even faster.

Only 5% down.

Get the perks of offering all cash with just 5% down.

Guaranteed to close.

If financing is delayed, we’ll buy the house with cash, just as promised.—Top Mortgage Lender
Rated 4.9 / 5 based on 2,000+ reviews

Bada-bing, bada-home.

Only at Lower

Win the bid with the ultimate cash offer. Then finance just like you normally would—only 5% down. A cash offer without using your own.

If financing slows your closing, we’ll buy it with cash so you can still get that house.

Frequently Asked Questions

Here are the deets.

What is MortgagePass anyway?

It’s the newest way to compete in the housing market. We give you the cash you need to make your own all-cash offer. Sellers love that.

Can I use my own real estate agent?

Yep. If you already have an agent, just keep working with them. If not, we can match you up with your own area expert.

Why should I use MortgagePass?

Guaranteed to close. No appraisal contingency. And no financing contingency. It’s that simple. Think of it like special offer insurance. Sometimes it may even be better to take a lower guaranteed offer over a higher one with contingencies.

How is the home sale guaranteed?

If financing slows your closing, we’ll buy it with cash so you still get the house.

Who can use MortgagePass?

To qualify for MortgagePass, you must have a 700+ credit score with verified assets and property underwriting. Ready to compete with your own cash offer? Just apply to get started.

How much does all this cost?

Unlike most cash offer programs, MortgagePass allows you to keep your existing real estate agent, and doesn’t charge a hefty fee to do so. To use MortgagePass, you’ll need just 5% down (which goes toward your home loan) and a $1,495 origination fee. It’s all worth it to make the best offer possible.

Will I still get an inspection?

Yep. It’s totally normal for cash buyers to get home inspections. It's your opportunity to get a professional evaluation of the property so you can continue with confidence.

Do I still apply for a loan?

Yep, MortgagePass allows you to make a cash offer without having all of the funds on your own. You'll still apply for and secure financing with Lower.

Can I use MortgagePass on any property type?

MortgagePass isn't available for condos, manufactured homes or unique homes.

Use MortgagePass and win.

Get the ultimate cash offer.

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The fast pass to home.

Are you an agent looking to help your buyer compete? Get MortgagePass.

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