Lower Reviews

Nico was such a treat! We are so grateful for all the hard work he put into our mortgage cash out refinance loan! He did everything he possibly could to make this happen for us, and we will be forever grateful! The loan application and process were so easy. Nico explained everything very well and answered every single question we had.

Elijah was very helpful, proficient and professional. I am very grateful for his assistance and making the refinance process move forward in a quick and professional manner. This refinance helped my fiancée and I be able to pay for all the outstanding debts caused by the unexpected hospital bills due to some unexpected life threatening surgery needed for my fiancée.

My wife and I had a terrific experience refinancing our home with Lower. The hardest part of the whole process was collecting all the required paperwork needed by the underwriters. Something we'd have needed to do with any lender. What really set Lower apart for us was the speed at which the whole process took place, and the ease of getting questions answered. From initial contact to closing was under one month (including the site visit for our appraisal). And it could likely have been faster if our bank at the time had been a little faster generating our payoff note. The icing on the cake for us though was our loan officer Nico **. This guy was fantastic to work with.

Working with Lower and specifically Dane ** was a smooth and professional experience I can really appreciate. Flow of information was excellent and adjustments to the process were handled exactly as they should have been. Looking forward to working further with the Lower team.

Working with Nick and his team is always a great experience. They work hard to ensure that the loan solution fits your needs. Time and time again the Lower team always delivers, not only was I able to find a loan option saving $1000/month but also was able to use the opportunity to lower my homeowners and auto insurance saving an additional $600/month!

Nico and the entire team made it incredibly easy! Would definitely recommend. They got everything done quickly, on time, and kept me updated the entire time. Closed quickly, didn’t take a million phone calls back and forth - everything I wanted!

She is patient and complete, with clear instructions requiring very little follow up after the initial submission. She was constantly looking at the market and the interest rates and locked us in on a good rate with a fluctuating economy. Will recommend her to others.

Nicolas **. This loan officer was outrageous. He helped me in every way with getting all my paperwork done. I will definitely give him a thumbs up as being one of the best loan officers I ever worked with.

Refinancing our home loan was quick and easy. Geoff was very helpful and informative and explained each step along the way. I definitely recommend Lower and Geoff ** if you’re looking to refinance your home loan!!

Matthew is very knowledgeable in this industry. Helped me with different situation to buy the house. Very patient and didn’t push nothing that I didn’t like. I could choose between people I wanted to work with and advise me for my best outcome. Thank you Matthew!

I started 3 different mortgages with Lower.com. Every single one of them has gone through servicing changes about every 1.5-2 years. In all but 1 (where they sold off 1 loan to some other company, thankfully), every time they did a service change it was going from Lower.com to Lower.com and just moving addresses. Every time it would require a new loan number and they would provide the minimum 2 weeks notice for the move and then complain that my payment was late.

I would not recommend this company to my worst enemy. They have been an absolute nightmare to deal with. I got set up with a competent person named Jay that asked me for a bunch of documents and then just ghosted me. Talk to and was promised by three others that they would look into my file and they never did. The company just steals your information. Do not trust or fall for their false advertising and save yourself some time and go with a reputable company with competent loan officers.

The process in getting a HELOC started out great. The loan officer was very friendly and accommodating. As the process continued things started to get worse and worse. The original 10-14 day timeline was a dream as we were nearing 30 days and still without answers. Starting at day 16 I called and/or emailed every 2 or 3 days. I was being told “tomorrow, it should be ready tomorrow” that was clearly a canned response. I chose this company based on their word that 10-14 days max is all I would have to wait. Finally they have said I am on the last stage, ready for final signature. “You are signing today” but here we are and no paperwork.

I had an awful experience with Lower Mortgage LLC. Not only did they charge me for services without clear communication, but they also mishandled my personal and financial information. Despite my request to have my credit card details and personal data removed from their system, I received no proper confirmation or assurance that my information was deleted or protected from third-party sharing.

Troy, the lending officer from Lower, was really good. He answered all the questions on time. He was perfect. I was very comfortable working with him. The rates and terms they offered were good, too. They could have given me a lot more money, but they were good though.

Lower was the mortgage company that I was given to when I got my mortgage. I was working with a realtor and they were assigned to me when I got the loan. The application process was pretty easy, it took about three weeks altogether including underwriting. Their customer service was good and I think the rate and terms I got was great.

We wanted to refinance to try to get all our mortgages up under one umbrella. Lower pretty much made it simple. We were told what we needed to provide as far as paperwork and documentation. And the rep sent us the documentation to sign, and it was pretty much a smooth process, which took no more than a couple of weeks.

The process with the HELOC was like a regular process. I applied and went through the numbers, and they sent an attorney out. We did the closing at my house. Communication was good. I didn't have any issues with them.

Everything was good with Lower. My only interaction with them was through my broker, but everything was squared away when I came to closing.

We refinanced with Lower. My wife and I trusted Tatiana with just the way she approached us and talked to us. When I called her, she answered the phone or returned the phone call. When my wife and I asked her some questions together, she was able to answer those questions. We felt comfortable with her. We felt better with her.

I used Lower for a mortgage. Carlton treated me well. I was happy with the terms and rates but I was pissed that they sold my mortgage to Freedom. It really pissed me off as I was trying to avoid them. I've had nothing but a nightmare with Freedom, lost checks and all kinds of things. They proved to me that they received the check because they had other things that were in the same envelope that the check was in. But they claimed they never got the damn check. One time, I paid two months in advance. When they took my August payment, they put that toward the escrow. And then sent me a late charge for not having paid in August. They're a complete rip-off. And as soon as I can, I'm getting rid of them.

We thought we were gonna get something cheaper, but in the long run, it wasn't. The process of getting the mortgage was alright. It took about a half hour to an hour. The rep filled out the application for me and walked me through the normal process, but I thought they could have been better as far as answering my questions, and I’m just not that happy with the mortgage anyway.

This is my first mortgage and I wanted to do the FHA. We started in February and closed in April. I was in contact directly with Bob, the loan officer. He’s the best. He helped and worked hard. And he was patient with us. The rates and terms of the loan are fair. I will recommend Lower and the company that works hard to get the loan. They work hard with every process. They're excellent and I was very satisfied with them.

Lower was previously my mortgage lender. When it came time to refinance, I chose them because of one particular reason. The fella that was helping me, Dana, was very professional. There are a lot of people who aren't exactly savvy with the process but he knew exactly what was needed and what I needed to do. He was really friendly. He was always just a phone call away and I got nothing but good things to say because of him.

I worked with Ryan from Lower. Ryan was fantastic, easy to contact, and he answered all of our questions. He did great. Everything went great but they were higher than what we are currently paying. I wish that they were lower. We have 3%, but that's our fault for refinancing. Other than that, the experience was good.

The overall experience wasn’t terrible. From start to finish, it probably took a month. Correspondence was through email and some through phone calls. However, the bad thing about Lower is as soon as the process was done, they sold the loan to another company. I didn’t even make a single payment to Lower. I got a letter saying, “Hey, this is your new loan company. This is what will be done.” There wasn’t any communication and I didn’t know anything until it was closed. The worst thing is all my paperwork is through Lower. And then I have no paperwork for the new loan place.

Lower was up-front about everything that was going on. It always takes a little bit of time to refinance your house but for us, the application took a reasonable time. And it was easy and simple. The terms are good. The rates were high because it was what the economy was showing at the time.

My mother is elderly. It was time for her to move down here to South Carolina. We wanted to build her a house behind us so she can still be independent, but she's close. So, that's what we did. That's what the loan was for. We already owned the land behind us. It's connected to our backyard.

I refinanced with Lower. In the beginning, when I called Kyle, he was ready to answer questions. But after the deal went through, it seemed like the calls dropped. No communication after that. I even tried to call him some time after I did the final paperwork, but I never reached him. So, once he got what he needed, that was it for the contact between us. He was supposed to call me back to lower my interest rate in six months, but I never received a call. So, I didn't have a good experience with that situation.

I was doing a refi and the ease of the online platform made me choose Lower. But the loan officer lied about a lot of things. He just fudged a lot of numbers that ended up being super inaccurate. And it was a really frustrating experience. Nick was very nice but honesty feels more important in a process like this. I thought he was the ultimate salesperson, where he had said what he needed to do to push something forward, he did a lot of different calculations. When the numbers actually came out, they didn't match. He told me that he had looked into my escrow numbers and that I would be getting an $11,000 refund. It turns out that he hadn't looked into my escrow numbers and there was actually no refund to be had.

I was looking to buy a house and heard good things about Lower, especially since there were some fees that I wouldn’t have to pay. The process with Lower took about a couple of weeks from start to finish. The application and underwriting process went really well, and there wasn't anything that needed improvement.

We had a good experience with Lower. It was great. We were just looking at refinancing and the two guys I worked with were super helpful. They led me in the right direction. At the time rates and terms were the best they had but I wish it would come down a little bit more.

I was doing renovations and got Lower for my mortgage. I worked with Abigail who was awesome. Anything I needed, she was there to answer questions. Anything I wanted, she'd get back with me. It was seamless. I was impressed with her patience. My rate and terms were good ‘cause she was basically trying to make sure she got the best one for me.

My agent turned me on to Lower and things went pretty good with them. It took two months for the loan processing to go through and I got my house in April. The rep who assisted me was a good dude and I still talk to him to this day if I have any questions. My sister passed away when I was going through that process and he worked with me. If I had questions, they worked on it fast and there wasn't a time where they would just put me off on hold and make me wait. They answered the phone every time I called and they made sure I knew that they sold my loan to Mr. Cooper before I even knew who Mr. Cooper was. So, I like that and I didn't have to worry about scamming.

I used Lower for my mortgage and I was trying to refinance so I contacted them. It was a little hard to get hold of the loan agent that I was working with previously because he was out of town, but then after a week, we were able to connect. The process was simple. They already had the information since they did my mortgage, so they just did a soft credit score check and asked if I still worked at the same location, etc. Right now though, they advised that I should wait till my credit score has gone up and the interest rate has gone down more.

The lending process of Lower could be streamlined, but it was okay. They would always ask for a million things. They should have that information. It's public record. I don't know why they would ask for it. But the rep I worked with was very good. Very efficient and knowledgeable, as well.

Lower's online application process for the refinance was simple. All together, it took three hours. I didn't love the rate, but I don't blame Lower for that.

Lower offered a better rate than the other companies that I was looking at. I went with a HELOC and the customer service was good and I’ve been happy with Sherri, the one who has guided me through the process. But I’m not happy with Shellpoint, the company that Lower has servicing the loan. There are issues with communication and payment. I've set up the auto-pay, and it came out once okay and then mysteriously dropped off. My payment didn't come out this month for October 25th. When I contacted them back, I made the payment for October and tried to set up the auto-pay again. But it's giving me an error saying that the account has to be current but reach out to customer service. So, I reached out and the rep said there's nothing they can do. I have to wait until it's updated and then I could go back in. All my banking information was saved on their dashboard for the auto pay and yet they did not deduct it.

The rep we worked with, Troy, was cool in answering any of the questions that we had and explained what we were doing, and tried to get us the best deal. The rate was too high. But that was the going rate at that time.

I liked that Lower offered a low rate. The application process was also easy. They kept us informed every step of the way and answered all of our questions right away.