No appraisal contingency. No financing contingency. Just like cash, but better.
Jump to the front of the line. Close even faster.
Get the perks of offering all cash with just 5% down.
If financing is delayed, we’ll buy the house with cash, just as promised.
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.
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.
Yep. If you already have an agent, just keep working with them. If not, we can match you up with your own area expert.
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.
If financing slows your closing, we’ll buy it with cash so you still get the house.
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.
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.
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.
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.
MortgagePass isn't available for condos, manufactured homes or unique homes.
MortgagePass™ is a product of Lower, LLC.
1A MortgagePass™ ultimate cash offer is a cash-backed offer from Lower, LLC.
Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
© 2021 Lower Holding Company. Lower is a family of companies. Lower® and its DBAs (Homeside Financial, AMSW Lending, Fairfax Mortgage, Key Mortgage Group, Lakeside Mortgage, Oz Lending, Q Home Loans, and True Lend) provide home loans; Lower Realty, LLC provides real estate services; Homeside Insurance Services, LLC facilitates shopping experience for homeowner’s insurance policies. All rights reserved. Conducts business as “Lower.com,LLC” in Kentucky, Minnesota, and Washington in lieu of Lower, LLC. Conducts business as “Lowerdotcom,LLC” in Montana in lieu of Lower, LLC. Conducts business as “Lower Mortgage,LLC” in Oklahama in lieu of Lower, LLC.
Home lending products offered by Lower | NMLS #1124061 | 8621 Robert Fulton Drive, Suite 150, Columbia, Maryland 21046 | nmlsconsumeraccess.org | equal housing lender