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Advertised offers are not guaranteed if you do not continue to meet Lower’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 Lower’s underwriting and Investor requirements. Interest rate examples are as of 05/08/2026 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.

© 2025 Lower, LLC | NMLS#1124061 | www.nmlsconsumeraccess.com | 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.

Home lending products offered by Lower | NMLS #1124061 | 5950 Symphony Woods Road, Suite 312, Columbia, MD 21044 | nmlsconsumeraccess.org | equal housing opportunity

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Red Door Mortgage // NMLS #2072896 All information is deemed reliable but not guaranteed. Neither mortgage company nor website company shall be responsible for any typographical errors, misinformation, or misprints and shall be held totally harmless. Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend.

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Mike Tullio Mike Tullio VP of Lending NMLS #208860 (941) 219-6446 srqmike@lower.com