How can I lose lower stomach fat?

Spot fat loss does . Not occur naturally. By losing weight in general some will probably be abdominal fat. But, we don't get to choose what area of body fat is lost from. Eat healthy ; be physically active. Calories burned must > those consumed. Tighten ab's: crunches, reverse crunches, exercise ball crunches, pelvic thrusts, lying leg raises, side bridge ; “bicycling” exercise on back. Do regular aerobic exercise.