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Multichannel mortgage lender Lower has entered into a marketing agreement with real estate brokerage HomeSmart, giving the firm’s nationwide agent network access to Lower’s mortgage solutions.
The announcement comes amid a growing wave of partnerships between lenders and brokerages, including Rocket Companies’ $1.75 billion all-stock acquisition of Redfin that closed in July. Earlier this year, Lower also agreed to acquire real estate portal Movoto from OJO Labs.
Through the new partnership, HomeSmart agents will gain access to training, technology tools, marketing resources and a suite of financing options to offer homebuyers.
Founded in 2000 in Scottsdale, Arizona, HomeSmart operates a 100% commission-based, full-service brokerage model supported by proprietary technology. The firm has grown to more than 25,000 agents across 250 offices in 48 states and 60 franchises. It ranked No. 11 by transaction sides and sales volume in the 2025 RealTrends Verified brokerage rankings.
Carol Perry, chief business development officer at HomeSmart, said in a statement that the company seeks to help agents grow their business by delivering more value to their clients.
“Lower’s technology, speed and commitment to service are a perfect fit for our model,” Perry said.
Lower, founded in 2014, is backed by Accel Partners, SoFi and Huntington Bank, and is among the top 30 U.S. home lenders. Following its Movoto deal, the company grew to more than 1,000 employees across offices in Columbus, Ohio, and Austin, Texas.
“By aligning with HomeSmart’s national network, we’re able to support thousands of real estate professionals and expand the reach of our customer-first mortgage experience,” Lower CEO Dan Snyder said in a statement.
On the technology front, Lower acquired software firm Neat Labs in January to help transform its point-of-sale system into a fully integrated application-to-funding platform, reducing its reliance on third-party vendors.
