Category
VA
Buy a home with no down payment, no PMI, and flexible credit requirements for veterans and service members.
FHA
Make homeownership possible with a low down payment and easier approval, even with less-than-perfect credit.
Conventional
Purchase your home with flexible terms, low rates, and no upfront mortgage insurance.
Jumbo
Buy high value or luxury homes with financing that exceeds conventional loan limits.
Doctor’s Loan
Secure your new home with low or no down payment, no PMI, and custom terms built for medical professionals.
First Time Home buyers
Start your homeownership journey with low down payment options, financial assistance, and expert support.
Category
VA
Buy a home with no down payment, no PMI, and flexible credit requirements for veterans and service members.
FHA
Make homeownership possible with a low down payment and easier approval, even with less-than-perfect credit.
Conventional
Purchase your home with flexible terms, low rates, and no upfront mortgage insurance.
Jumbo
Buy high value or luxury homes with financing that exceeds conventional loan limits.
Doctor’s Loan
Secure your new home with low or no down payment, no PMI, and custom terms built for medical professionals.
First Time Home buyers
Start your homeownership journey with low down payment options, financial assistance, and expert support.
Licenses
Conducts business as "Lower.com, LLC" in Kentucky, Oklahoma, and Washington in lieu of Lower, LLC. Conducts business as "Lowerdotcom, LLC" in Montana in lieu of Lower, LLC.
| License # | License | State Agency | Phone | Website |
|---|---|---|---|---|
| 21781 | Alabama Consumer Credit License | State Banking Department | 334-242-3452 | banking.alabama.gov |
| AK1124061 | Alaska Mortgage Broker/Lender License | Division of Banking & Securities | 907-465-2521 | commerce.alaska.gov |
| 1000936 | Arizona Mortgage Banker License | Department of Financial Institutions | 602-771-2800 | difi.az.gov |
| 1001610 | Arizona Mortgage Banker License - Other Trade Name #1 | Department of Financial Institutions | 602-771-2800 | difi.az.gov |
| 115926 | Arkansas Combination Mortgage Banker-Broker-Servicer License | Arkansas Securities Department | 800-981-4429 | securities.arkansas.gov |
| 60DBO-32973 | California - DFPI Financing Law License | Dept. of Fin. Protection and Innovation (DFPI) | 866-ASK-CORP | dfpi.ca.gov |
| — | Colorado Mortgage Company Registration | Dept. of Regulatory Agencies | 303-894-2166 | apps2.colorado.gov |
| ML-1124061 | Connecticut Mortgage Lender License | Department of Banking | 800-831-7225 | portal.ct.gov |
| 17812 | Delaware Lender License | Office of the State Bank Commissioner | 302-739-4235 | banking.delaware.gov |
| MLB1124061 | District of Columbia Mortgage Dual Authority License | Dept. of Ins., Sec. and Banking Bureau | 202-727-8000 | disb.dc.gov |
| MLD1040 | Florida Mortgage Lender License | Office of Financial Regulation | 850-410-9895 | flofr.gov |
| MLD1436 | Florida Mortgage Lender Servicer License | Office of Financial Regulation | 850-410-9895 | flofr.gov |
| 40605 | Georgia Mortgage Lender License/Registration | Dept. of Banking and Finance | 770-986-1633 | dbf.georgia.gov |
| MBL-2081124061 | Idaho Mortgage Broker/Lender License | Department of Finance | 208-332-8000 | finance.idaho.gov |
| MB.6761019 | Illinois Residential Mortgage License | Dept. of Fin. and Prof. Regulation | 800-532-8785 | idfpr.illinois.gov |
| 23274 | Indiana-DFI Mortgage Lending License | Dept. of Financial Institutions | 317-232-3955 | in.gov |
| 2018-0175 | Iowa Mortgage Banker License | Iowa Division of Banking | 515-281-4014 | idob.state.ia.us |
| 2019-0019 | Iowa Mortgage Banker License - Other Trade Name #2 | Iowa Division of Banking | 515-281-4014 | idob.state.ia.us |
| 2020-0005 | Iowa Mortgage Banker License - Other Trade Name #3 | Iowa Division of Banking | 515-281-4014 | idob.state.ia.us |
| MC.0025541 | Kansas Mortgage Company License | Office of the State Bank Commissioner | 785-296-2266 | osbckansas.org |
| MC327236 | Kentucky Mortgage Company License | Dept. of Financial Institutions | 800-223-2579 | kfi.ky.gov |
| — | Louisiana Residential Mortgage Lending License | Office of Financial Institutions — Non-Depository | 225-925-4660 | ofi.la.gov |
| 1124061 | Maine Supervised Lender License | Bureau of Consumer Credit Protection | 207-624-8527 | maine.gov |
| 1124061 | Maryland Mortgage Lender License | Office of the Commissioner of Financial Regulation | 888-784-0136 | dllr.state.md.us |
| MC1124061 | Massachusetts Mortgage Broker License | Division of Banks | 617-956-1500 | mass.gov |
| MC1124061 | Massachusetts Mortgage Broker License Other Trade Name #1 | Division of Banks | 617-956-1500 | mass.gov |
| MC1124061 | Massachusetts Mortgage Lender License | Division of Banks | 617-956-1500 | mass.gov |
| MC1124061 | Massachusetts Mortgage Lender License Other Trade Name #1 | Division of Banks | 617-956-1500 | mass.gov |
| LS1124061 | Massachusetts Third Party Loan Servicer Registration | Division of Banks | 617-956-1500 | mass.gov |
| FR0021402 | Michigan 1st Mortgage Broker/Lender/Servicer Registrant | Department of Insurance and Financial Services | 877-999-6442 | michigan.gov |
| SR0021403 | Michigan 2nd Mortgage Broker/Lender/Servicer Registrant | Department of Insurance and Financial Services | 877-999-6442 | michigan.gov |
| MN-MO-1124061 | Minnesota Residential Mortgage Originator License | Department of Commerce | 651-539-1600 | mn.gov |
| MN-MO-1124061.1 | Minnesota Residential Mortgage Originator License Other Trade Name #1 | Department of Commerce | 651-539-1600 | mn.gov |
| 1124061 | Mississippi Mortgage Lender License | Dept. of Banking and Consumer Finance | 800-844-2499 | dbcf.ms.gov |
| 19-2440 | Missouri Company License | Division of Finance | 573-751-3242 | finance.mo.gov |
| 1124061 | Montana Mortgage Broker License | Division of Banking and Financial Institutions | 406-841-2920 | banking.mt.gov |
| 1124061 | Montana Mortgage Lender License | Division of Banking and Financial Institutions | 406-841-2920 | banking.mt.gov |
| 1124061 | Montana Mortgage Servicer License | Division of Banking and Financial Institutions | 406-841-2920 | banking.mt.gov |
| — | Nebraska Mortgage Banker License | Department of Banking and Finance | 402-471-2171 | ndbf.nebraska.gov |
| — | Nebraska Mortgage Banker License - Other Trade Name #3 | Department of Banking and Finance | 402-471-2171 | ndbf.nebraska.gov |
| — | Nebraska Mortgage Banker License - Other Trade Name #4 | Department of Banking and Finance | 402-471-2171 | ndbf.nebraska.gov |
| 5477 | Nevada Mortgage Company License | Division of Mortgage Lending | 775-684-7060 | mld.nv.gov |
| 23544-MB | New Hampshire Mortgage Banker License | Banking Department | 603-271-3561 | nh.gov |
| — | New Jersey RMLA-Licensed Mortgage Servicer Registration | Dept. of Banking and Insurance | 609-292-7272 | state.nj.us |
| — | New Jersey Residential Mortgage Lender License | Dept. of Banking and Insurance | 609-292-7272 | state.nj.us |
| — | New Mexico Mortgage Loan Company License | Financial Institutions Division | 505-476-4500 | rld.state.nm.us |
| L-159832 | North Carolina Mortgage Lender License | Commissioner of Banks | 919-733-3016 | nccob.nc.gov |
| RM-284 | North Carolina Reverse Mortgage Lender License | Commissioner of Banks | 919-733-3016 | nccob.nc.gov |
| MB103565 | North Dakota Money Broker License | Dept. of Financial Institutions - Consumer Division | 701-328-9933 | nd.gov |
| ML104525 | North Dakota Residential Mortgage Lender | Dept. of Financial Institutions - Consumer Division | 701-328-9933 | nd.gov |
| MS104872 | North Dakota Residential Mortgage Loan Servicer | Dept. of Financial Institutions - Consumer Division | 701-328-9933 | nd.gov |
| RM.804155.000 | Ohio Residential Mortgage Lending Act Certificate of Registration | Division of Financial Institutions | 614-728-8400 | com.ohio.gov |
| LNR16728 | Oklahoma Lender Name Registration Other Trade Name #3 | Department of Consumer Credit Licensing | 405-521-3653 | ok.gov |
| ML012073 | Oklahoma Mortgage Lender License | Department of Consumer Credit Licensing | 405-521-3653 | ok.gov |
| ML012105 | Oklahoma Mortgage Lender License - Other Trade Name #1 | Department of Consumer Credit Licensing | 405-521-3653 | ok.gov |
| ML014289 | Oklahoma Mortgage Lender License - Other Trade Name #2 | Department of Consumer Credit Licensing | 405-521-3653 | ok.gov |
| ML-5722 | Oregon Mortgage Lending License | Division of Financial Regulation | 866-814-9710 | dfr.oregon.gov |
| MS-175 | Oregon Mortgage Servicer License | Division of Financial Regulation | 866-814-9710 | dfr.oregon.gov |
| 44758 | Pennsylvania Mortgage Lender License | Dept. of Banking and Securities | 717-787-2665 | pa.gov |
| 68865 | Pennsylvania Mortgage Servicer License | Dept. of Banking and Securities | 717-787-2665 | pa.gov |
| 20234687LL | Rhode Island Lender License | Department of Business Regulation | 401-462-9503 | dbr.ri.gov |
| 20234688LB | Rhode Island Loan Broker License | Department of Business Regulation | 401-462-9503 | dbr.ri.gov |
| MLS - 1124061 | South Carolina-BFI Mortgage Lender / Servicer License | Board of Financial Institutions | 803-734-2020 | consumerfinance.sc.gov |
| MLS - 1124061 OTN #1 | South Carolina-BFI Mortgage Lender/Servicer License - Other Trade Name #1 | Board of Financial Institutions | 803-734-2020 | consumerfinance.sc.gov |
| MLS - 1124061 OTN #2 | South Carolina-BFI Mortgage Lender/Servicer License - Other Trade Name #2 | Board of Financial Institutions | 803-734-2020 | consumerfinance.sc.gov |
| MLS - 1124061 | South Carolina-BFI Mortgage Lender/Servicer License - Other Trade Name #3 | Board of Financial Institutions | 803-734-2020 | consumerfinance.sc.gov |
| MLS - 1124061 OTN #4 | South Carolina-BFI Mortgage Lender/Servicer License - Other Trade Name #4 | Board of Financial Institutions | 803-734-2020 | consumerfinance.sc.gov |
| MLS - 1124061 OTN #5 | South Carolina-BFI Mortgage Lender/Servicer License - Other Trade Name #5 | Board of Financial Institutions | 803-734-2020 | consumerfinance.sc.gov |
| #1124061.ML | South Dakota Mortgage Lender License | South Dakota Dept. of Labor and Regulation | 605-773-3421 | dlr.sd.gov |
| 123131 | Tennessee Mortgage License | Dept. of Financial Institutions | 615-741-2236 | tn.gov |
| — | Texas - SML Mortgage Banker Registration | Dept. of Savings and Mortgage Lending | 877-276-5550 | sml.texas.gov |
| — | Utah-DFI Consumer Credit Notification | Department of Financial Institutions | 801-538-8834 | dfi.utah.gov |
| 1124061 | Utah-DFI Residential First Mortgage Notification | Department of Financial Institutions | 801-538-8834 | realestate.utah.gov |
| 11125241 | Utah-DRE Mortgage Entity License | Division of Real Estate | 801-530-6747 | realestate.utah.gov |
| 11451660 | Utah-DRE Mortgage Entity License - Other Trade Name #1 | Division of Real Estate | 801-530-6747 | realestate.utah.gov |
| MC-5805 | Virginia Broker License | Bureau of Financial Institutions | 804-371-9657 | scc.virginia.gov |
| MC-5805 | Virginia Lender License | Bureau of Financial Institutions | 804-371-9657 | scc.virginia.gov |
| CL-1124061 | Washington Consumer Loan Company License | Division of Consumer Services | 360-902-8703 | dfi.wa.gov |
| MB-1124061 | West Virginia Mortgage Broker License | Division of Financial Institutions | 304-558-2294 | dfi.wv.gov |
| ML-33376 | West Virginia Mortgage Lender License | Division of Financial Institutions | 304-558-2294 | dfi.wv.gov |
| 1124061BA | Wisconsin Mortgage Banker License | Department of Financial Institutions | 608-261-7578 | dfi.wi.gov |
| 1124061BR | Wisconsin Mortgage Broker License | Department of Financial Institutions | 608-261-7578 | dfi.wi.gov |
| CL-4656 | Wyoming Consumer Lender License | Wyoming Division of Banking | 307-777-7797 | wyomingbankingdivision.wyo.gov |
| 4678 | Wyoming Mortgage Lender/Broker License | Wyoming Division of Banking | 307-777-7797 | wyomingbankingdivision.wyo.gov |
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About Oxford
Refinance Loan
Resources & Calculators
Hire
First Time Home Buyers Purchase
Advertised offers are not guaranteed if you do not continue to meet Oxford Home Lending's criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners' association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Oxford Home Lending's underwriting and Investor requirements. Interest rate examples are as of 03/03/2026 and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
Lower, LLC DBA Oxford Home Lending | NMLS #1124061 | www.nmlsconsumeraccess.com.
Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply.
© 2026 Lower, LLC | Conducts business in 47 States to include the District of Columbia. Alabama, Alaska, Arizona - License #1000936, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky (Lower.com, LLC), Louisiana, Maine, Maryland, Massachusetts Mortgage Broker License -- MC1124061 | Massachusetts Mortgage Lender License -- MC1124061, Michigan, Minnesota, Mississippi, Missouri, Montana (Lower.com, LLC), Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, North Carolina, North Dakota, Ohio, Oklahoma (Lower Mortgage, LLC), Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington (Lower.com, LLC), West Virginia, Wisconsin, and Wyoming.
Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
Reviews: Zillow® is a trademark of Zillow, Inc. Bankrate® is a trademark of Bankrate, LLC. Lending Tree® is a trademark of Lending Tree, LLC. Google® is a trademark of Google LLC. Facebook® is a trademark of Facebook, Inc.