Senior Software Engineer - LowerOS Team

Here at Lower, we believe homeownership is the key to building wealth, and we’re making it easier and more accessible than ever. As a mission-driven fintech, we simplify the home-buying process through cutting-edge technology and a seamless customer experience.

With tens of billions in funded home loans and top ratings on Trustpilot (4.8), Google (4.9), and Zillow (4.9), we’re a leader in the industry. But what truly sets us apart? Our people. Join us and be part of something bigger.

Job Description:

LowerOS is our modern operating system that powers Lower’s digital mortgage and home finance experiences end to end. Our platform helps borrowers move from first inquiry to clear-to-close with less friction by unifying application, underwriting, and closing tools into a single, cohesive workflow for our sales, operations, and servicing teams. As a Senior Software Engineer on the LowerOS team, you will shape the core services and features that make getting a mortgage feel simple, transparent, and human—so more people can build wealth through homeownership.

This is an opportunity to join a fintech company redefining the mortgage industry by combining data-driven insights with thoughtful user experiences. You’ll work on impactful projects, collaborate with a talented team, and help us build scalable systems that directly improve how people achieve one of life’s biggest milestones—owning a home.

Work Location: Hybrid in either Columbus, OH; Austin, TX; or Denver, CO

Compensation Range: $140,000-$165,000.

Work Type: Full-time W2 employment, visa sponsorship is not available for this position at this time.

What you’ll do:

Technical Skills

• System design & architecture: Ability to design scalable, reliable, and maintainable systems, with an understanding of tradeoffs between performance, cost, and complexity.

• Code quality & testing: Strong in unit, integration, end-to-end testing, and test automation frameworks.

• Performance optimization: Proficiency in profiling, debugging, and optimizing application performance.

• DevOps & CI/CD: Experience with deployment pipelines, monitoring, observability, and release management.

• Security awareness: Knowledge of secure coding practices, threat modeling, and compliance requirements.

• Data & APIs: Comfortable designing and consuming APIs, working with databases, and handling data modeling.

• Tooling & automation: Skilled at improving developer workflows through automation (build systems, config management, test infrastructure).

Collaboration & Leadership

• Stakeholder communication: Translate business needs into technical requirements, clearly communicate tradeoffs, and align solutions with product goals.

• Mentorship: Coach junior and mid-level engineers, providing guidance on coding practices, system design, and career development.

• Code review: Promote best practices in readability, maintainability, and scalability through constructive code reviews, providing guidance and support.

• Cross-functional collaboration: Work effectively with product managers, QA, designers, and other teams.

Project & Execution

• Project ownership: Coordinate projects from design through delivery, ensuring scope, deadlines, and quality are balanced.

• Risk management: Identify risks early (technical debt, bottlenecks, scalability limits) and propose mitigations.

• Tradeoff negotiation: Weigh cost, scalability, and performance when evaluating solutions and clearly explain reasoning.

• Documentation: Produce and maintain high-quality technical documentation for systems, processes, and decisions.

• Continuous improvement: Advocate for better processes, tooling, and practices that improve velocity and reduce errors.

Strategic Impact

• Technical vision: Influence long-term technical direction, helping shape architecture and tech stack decisions.

• Innovation: Proactively identify opportunities for new technologies, frameworks, or approaches that benefit the business.

• Quality bar setting: Advocate for engineering excellence, ensuring the team balances speed with maintainability.

Who you are:

• 6–11 years of professional experience in software engineering and enterprise-scale web application development (or closely related fields).

• Full-stack expertise with proven ability to deliver high-quality backend and frontend solutions.

• Problem solver and innovator, with a track record of implementing new ideas and tackling complex technical challenges in design and architecture.

• Proficiency in our stack— TypeScript, React, AWS, Next.js, Node.js and Postgres —or the ability to quickly learn new languages, frameworks, and tools.

• Strong computer science foundations, including algorithms, data structures, concurrency, parallelism, asynchronous programming, networking, and system design.

• Excellent communication and collaboration skills—someone who values teamwork, gives and receives feedback constructively, and helps foster a supportive engineering culture.

• Prior experience in fintech, lending, or consumer financial products is a plus, but not required.

What you'll get:

• Extended benefit offerings including medical/dental/vision, parental leave, life insurance, short- and long-term disability

• Paid holidays and paid time off

• 401K with company match

• Discount on home mortgage refinances or purchase

Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.