# Lower.com — Save up. Earn $. Buy home. > Save for a home, earn rewards, and get financing with this all-in-one tool. (iPhone/iPad app by Lower, LLC.) - Source: https://appshunter.io/ios/app/lowercom/id1533287856 (this page in markdown: same URL + `.md`) - Developer: [Lower, LLC](https://appshunter.io/developer/1143955968) - Category: Finance, Lifestyle - Price: Free - Rating: 4.67/5 from 176 App Store ratings · 50 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 67 MB - Languages: English - Released: 2020-12-05 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/lowercom/id1533287856/reviews.md ## What is Lower.com? Let’s Make You a Homeowner! Set your goal, save for a down payment, get advice, check your credit, then buy that home. Everything you need to get your finances in line and be dream-home ready—all in the Lower app. 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 match you with a dollar in 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 savings 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/app Lower is a DBA of Homeside Financial, LLC. EQUAL HOUSING LENDER NMLS ID #1124061 nmlsconsumeraccess.org ## Key features - Home down payment savings - Earn HomeCash rewards - Goal tracking for savings - Mortgage rate monitoring - Credit score monitoring - Home financing guidance ## Recent user reviews (10 of 50) All indexed reviews: https://appshunter.io/ios/app/lowercom/id1533287856/reviews.md ### 5/5 — Simple & very easy to use! *2022-07-27, version 1.0.99* This app was very easy to set up and link your bank accounts to. Match opportunities are great and I would recommend to all using Lower. ### 5/5 — So far so good! *2022-06-14, version 1.0.99* Referred to the app by our loan officer. New to the app but so far, it’s very simple to use with a great interface. Love the concept! ### 5/5 — Intuitive and easy to use *2022-05-11, version 1.0.99* The Lower App makes setting up an initial fund balance, and growing that over time, painless and easy! The app made connecting my checking account very simple. ### 5/5 — Consistent since day *2022-04-03, version 1.0.99* Working with Jake had been great! He is very nice and has a lot of patience. Even when I shopped around to get some different quotes, he was there. It’s like he knew I would be back 😂😂 He is great, the company has been overall pretty good working with so far and the process has been ok as well. If you have the opportunity to work with jake you won’t be disappointed! I would highly recommend ### 5/5 — Good interest rate *2022-02-03, version 1.0.99* Lower offers a very competitive interest rate to build your savings and will match funds up to a certain amount if you mortgage a house through them. ### 5/5 — Easy process ! *2021-12-02, version 1.0.98* I found Lower when my first lender fall thru. Lower provides surprising low rate and helps me knock down my mortgage by $100. The app is very easy to use. The interactive design helps you visualize your saving. It’s great for first time homebuyer like me. My agent Jonathan is super helpful and patient. Together they made the application process easy. ### 5/5 — Easy to use *2021-11-30, version 1.0.98* Good simple app to use with friendly user interface. Very informal and decent incentives. ### 4/5 — Easy to Use *2021-11-18, version 1.0.98* The app is pretty straight forward and easy to use. I am able to transfer between accounts pretty seamlessly. I only wish that it was compatible with Mint, as I like to keep track of all my accounts by in one place. I hope that’s an update that can be made in the future. ### 2/5 — Good Idea - Not Executed Well *2021-11-16, version 1.0.98* The app itself is a good idea, it sparked my interest and wanted me to try it out. But I don’t find many aspects of it realistic, the .75 APY is not the best way to save, especially in our current inflation of 6.2%. They should partner with stock brokers and allow investing in large funds in the stock market, this would be a better app to save for a down payment on a car as it is right now. ### 3/5 — A little frustrating *2021-09-26, version 1.0.91 (151)* Well we are already in the process to close in a few days. Trying to make a deposit into our home fund and it keeps saying we have to reconnect with our bank. We get confirmation that the bank info has been connected and then try to make the deposit and it goes back to needing to reconnect. It looks like if you are just beginning to prepare to buy a home, it would be a great app. Just frustrated at the moment. ## Frequently asked questions about Lower.com ### What does the Lower.com app do? The Lower.com app is designed to help you become a homeowner. It allows you to set savings goals for a down payment, earn rewards on your deposits, monitor your credit score, and track mortgage rates. The app provides guidance and tools to prepare your finances for buying a home. ### How can I save money for a down payment with this app? You can save for a down payment using the HomeFund™ feature within the app. For every dollar you deposit, you'll earn HomeCash™, which can be used towards your home purchase. The app also helps you track your savings progress and provides reminders to stay on track. ### Is there a cost to use the Lower.com app? Based on the provided information, the Lower.com app is free to use. There are no mentioned costs for downloading or using its core features. The app focuses on helping users save and prepare for homeownership. ### What are the key features for preparing to buy a home? Key features include FDIC-insured savings with HomeFund™ where you earn HomeCash™ on deposits, goal tracking to visualize your savings progress, and credit monitoring to improve your credit score. The app also allows you to check mortgage rates and connect with loan advisors when you're ready to buy. ### Who is this app best suited for? This app is best suited for individuals who are aspiring homeowners. It's ideal for those who want to actively save for a down payment, understand and improve their creditworthiness, and get guidance on the mortgage and home-buying process. ## Version history (last 5 releases) ### 1.0.112 — 2023-07-29 Minor UX improvements ### 1.0.111 — 2023-07-26 Minor UX improvements ### 1.0.110 — 2023-07-21 Minor UX and messaging improvements ### 1.0.109 — 2023-07-18 Minor fixes and UX improvements ### 1.0.108 — 2023-07-04 Small bug fixes and login flow improvements. ## Apps similar to Lower.com | App | Rating | Price | Category | | --- | --- | --- | --- | | [Tellus: Earn More Daily](https://appshunter.io/ios/app/tellus-earn-more-daily/id1244408573) | 4.5 (2,505) | Free | Finance | | [UNest: Investing for Kids](https://appshunter.io/ios/app/unest-investing-for-kids/id1437147882) | 4.7 (3,665) | Free | Finance | | [Zirtue: Lend & Borrow Money](https://appshunter.io/ios/app/zirtue-lend-and-borrow-money/id1414766636) | 4.3 (821) | Free | Finance | | [Ava: Build Credit Fast](https://appshunter.io/ios/app/ava-build-credit-fast/id1584183782) | 4.9 (46,311) | Free | Finance | | [Guac - Save While You Spend](https://appshunter.io/ios/app/guac-save-while-you-spend/id1463903144) | 4.4 (2,110) | Free | Finance | | [Changed: Debt Payoff Planner](https://appshunter.io/ios/app/changed-debt-payoff-planner/id1164559383) | 4.6 (5,238) | Free | Finance | ## More apps by Lower, LLC - [Universal Lending](https://appshunter.io/ios/app/universal-lending/id1300332022) - [HTL Connect](https://appshunter.io/ios/app/htl-connect/id1347943640) - [Homeside Financial](https://appshunter.io/ios/app/homeside-financial/id1481452288) - [Key Mortgage Group](https://appshunter.io/ios/app/key-mortgage-group/id1494210227) - [Lakeside Mortgage](https://appshunter.io/ios/app/lakeside-mortgage/id1524336719) - [Q Home Loans](https://appshunter.io/ios/app/q-home-loans/id1524665116) All apps by Lower, LLC: https://appshunter.io/developer/1143955968 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*