Backed by the investors of

Buy before you sell. The new way home.

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

Stronger offer.

No home sale contingency. That’s what sellers like to see.

Unlock equity.

Find out how much you can
spend with zero fees and no commitments.

Sell for top dollar.

Maximizing your sales price
is easier when the house is

No double moves.

Move into your new house
on your schedule—even
right when you close.—Top Mortgage Lender
Rated 4.8 / 5 based on 2,500+ reviews

Bada-bing, bada-home.

Only at Lower

The ultimate offer to skip the line & win. Without a sale contingency, you can make a stronger offer that’s more appealing to sellers.

Don’t move twice. Just buy before you sell. Let’s unlock your equity.

Frequently Asked Questions

Here are the deets.

How does this work?

First, we’ll evaluate your property for the program and let you know how much of your equity you can unlock for the purchase of your new home. Then, you can confidently make a strong offer on your new home without a home sale contingency — and avoid moving twice. After closing on the new home, your agent can list your current home vacant on the market to attract the strongest offer possible.

How much does the program cost?

It’s free to get started and see how much equity you can unlock. If you decide to transact using the program, the fee is:

2.4%* of the home sale.

How do you determine how much equity I can unlock from my current home?

The amount of equity you can unlock is determined using our proprietary algorithm, which takes into consideration your agent’s estimation of the home’s value, current market conditions, projected market risk, borrower financials, outstanding loans, and more. You’ll be able to unlock a portion of the overall equity you have in your home upfront, prior to selling the home — and will receive the remainder of your equity after the home sells, less program fees and expenses.

What if my home is already listed?

There is no limit for how many cumulative days a property has been listed on the market at time of submission. However, the total number of listed days can affect your Equity Unlock Amount based on the risk profile of the property.

What are the detailed steps to verifying my property value?

Just four easy steps. (1) After you’re pre-approved, we'll send our Borrower's Authorization form to have you sign and start the buy before you sell process. (2) Once we have your form, we'll shoot a confirmation email to your agent. As soon as your agent fills out our short questionnaire, our approval team will begin their review. (3) In our confirmation email, we’ll also include photo guidelines and we’ll follow up with a link to upload them. *Note: Photos are not needed if home is currently listed. (4) We'll also attach a link to schedule an inspection through Inspectify. *Notes: if you choose to not proceed, we'll cover the cost. If the home is <2 years, no inspection necessary.

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