Software Engineer, LowerOS

Here at Lower, we believe home ownership 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.

Lower is building technology that powers digital mortgage, home finance, automation, and AI-powered experiences across the home ownership journey.

As a Senior Software Engineer, you’ll solve complex technical problems, design scalable systems, and work closely with engineers, Product, Design, QA, and other partners to deliver reliable software that improves how people experience home ownership.

This is a hands-on engineering role for someone who combines strong software engineering fundamentals with sound technical judgment, curiosity, and a collaborative mindset. You should be comfortable working across modern technologies, learning new frameworks and languages when needed, and using AI-assisted development tools to increase the speed and effectiveness of how you design, build, test, and maintain software.

You’ll have meaningful ownership of the systems and projects you work on while contributing to the technical decisions, engineering practices, and team culture that help Lower build great software at scale.

Hybrid in either Columbus, OH (preferred);
Austin, TX

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

• System design & architecture: Design scalable, reliable, and maintainable systems, evaluating tradeoffs across performance, complexity, cost, and long-term maintainability.
• Full-stack development: Design, develop, test, and maintain reliable software across frontend, backend, APIs, services, and data layers.
• Code quality & testing: Build well-tested software using unit, integration, end-to-end, and other appropriate testing approaches while maintaining a high bar for code quality.
• Performance optimization: Profile, debug, troubleshoot, and optimize application and system performance.
• Dev Ops & CI/CD: Contribute to deployment pipelines, monitoring, observability, release management, and the ongoing operation of production systems.
• Security awareness: Apply secure development practices and consider security, privacy, and compliance throughout the development lifecycle.
• Data & APIs: Design and consume APIs and work effectively with relational, document, or other data stores appropriate to the problem.
• Tooling, automation & AI-assisted development: Use AI-assisted development tools and automation to accelerate implementation, debugging, testing, documentation, research, and technical problem solving while applying strong engineering judgment to validate correctness, maintainability, security, and architectural fit.

• Stakeholder communication: Translate business and product needs into thoughtful technical solutions, clearly communicating technical approaches, tradeoffs, risks, and dependencies.
• Mentorship: Support other engineers through technical guidance, pairing, design discussions, and knowledge sharing.
• Code review: Promote readability, maintainability, reliability, and scalability through thoughtful and constructive code reviews.
• Engineering influence: Contribute to technical design discussions and engineering decisions, helping teams evaluate options and make sound technical choices.
• Cross-functional collaboration: Work closely with engineers, Product, Design, QA, and business…