Let's make you a homeowner
NMLS ID #
This is some text inside of a div block.
This is some text inside of a div block.

Heading

Heading

Buy a home
Refinance
This is some text inside of a div block.
This is some text inside of a div block.
instagram
facebook
twitter
zillow
google
linkedin
homebot
tiktok

What Is DTI (For Mortgage) And Why Does It Matter?

Maximizing Your Home Savings

First-time Homebuyer Guide

Chris Kinsella

Mortgage Advisor
|
NMLS#
872091
Buy a homeRefinance

Connect With Me

Meet

Chris

Chris Kinsella is a top 0.5% loan originator in the country with over 1000 clients using him to buy their home. He offers in-house loan processing, underwriting, and closing, which can help you get to the closing table quickly and smoothly. He is licensed in IL, IN, MI, WI, OH, MN, TX, CO, FL, TN, CA, ID, AZ, CA and NY. For your home buying questions, we have solutions.

Here's a great place to start.
Plus, we'll get creative for you.

Property Investor loan

DSCR Loan

Debt service coverage ratio uses rental income to qualify for financing

Flexible Requirement Loan

Non-QM Loan

Flexible income and credit requirements provide financing options for unique situations.

Home Seller Loan

Bridge Loan

Short-term financing for homebuyers who have a house to sell.

Credit Card Payoff Loan

Cash-out Refinance

Up to 95% loan-to-value ratio made for paying off high-interest debt.

Rural Homeowner Loan

USDA Loan

Zero down, lower rates and lower credit reqs. Made for rural properties.

High-earner home loan

Jumbo Loan

Special financing for higher value properties with limits set by location.

US Military Loan

VA Loan

Lower down payment and lower interest rates for US Military Veterans.

Well-Qualified Loan

Conventional Loan

Great for well-qualified individuals, with lower rates and less hoops.

First-time Homeowner Loan

FHA Loan

Lower down payment and lower barriers-perfect for the first-time buyer.
Good Home Vibes Only
Good Home Vibes Only
Good Home Vibes Only
Good Home Vibes Only

Feels good to be home.
Let's get you there.

Get Started
Contact
License
NMLS
Privacy Policy
California Privacy
Terms of Use

© XXXX Lower Holding Company, dba Vybe Mortgage. Lower is a family of companies. Lower® and its DBAs (Homeside Financial, AMSW Lending, Fairfax Mortgage, Key Mortgage Group, Yes Mortgage and Vybe Mortgage.) 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, Oklahoma, and Washington in lieu of Lower, LLC. Conducts business as “Lowerdotcom, LLC” in Montana in lieu of Lower, LLC

Home lending products offered by Lower | 5950 Symphony Woods Road, Suite 312, Columbia, MD 21044