Lower Reviews

I had been shopping in 2020 for a loan on my house. Lower.com and Chase were the two that were the biggest competitors for my business. Chase essentially did what Chase does. I was already a Chase customer and they said they wanna give me a 2.5% interest rate and the loan would cost me 50 bucks to originate with no other fees. And Lower was close but they couldn’t beat that even with this competitive climate. They were the second closest to having a great rate and being able to give me a great closing experience. So, I remembered them.

I got a conventional loan from Lower and I like that they have lower rates compared to others. They helped with communication and through the process of scheduling an appraiser. They were also very responsive.

We've gone through the pre-approval at Lower. We've not found a home to get the mortgage. But we've used them previously and they were great. The rates were fair too.

In February, Lower's rate was in line with other competitors, but the mortgage credits that the broker was willing to offer were better than the competitors. We went with them and fortunately, it's been an easy experience. Their online platform makes it easy to do everything we want. I've only had to reach out to customer service once about uploading proof of property insurance, and it was very smooth.

I called Lower and they helped me out. Everything I asked them, they would do for me. They would help me out if I needed help. They were always there for me when I have a question. The rate was kind of high. But other than that, everything was good.

Some of the companies that I reached out to were not easy to deal with if you are self-employed. I liked Lower's turnaround time and the information that they needed in order to obtain the loan. There were two gentlemen that I spoke with and both were easy to talk to. I understood clearly what they might need or the overall process. It would've been great if the rate was lower. But at the time, that was not a bad rate to begin with. It was what I expected. There were no surprises.

When I talked to the rep, he was very forward about everything and very honest. He was open about what was gonna take place in a certain time, and everything went smoothly. The Lower reps were also very open in communication with me, and when I needed something, they answered my question. The rate I got is six and a quarter, and hopefully, I can go down.

Nicholas reached out to me years ago with my very first mortgage and he offered me a specific rate and told me what he could save me. He was very professional and was available 24/7. I would text him on a Sunday and he would call me right back. Also, Nick’s numbers did not change for me. Sometimes, some of these companies promise $500 a month and you walk out of there and it's 1,000. But from the very beginning, whatever numbers Nick quoted were the very final outcome. It was his expertise, knowledge, and personality that won me over to stay with Lower for my HELOC. I don't deal with Nick now directly because I have another account manager. But Nick can always get me in touch with the right people. The personal attention is really what sets Lower apart -- having someone who calls you back, knows your history, and is able to look things up for you. You don't feel like a number.

I refinanced my house to buy somebody out and then, Lower called me a couple of months ago and asked if I wanted to redo my loan again because the mortgage rates came down. It would bring my payments down and I said yes. I went through the whole process and a guy came out and appraised my house for $16,000 lower than the other guy did. I went through all that process for nothing and I still got the same double payment on my house that I had before. Other than that, I don't have a problem with Lower. It all depends on who's coming up to appraise and what they think the value of the place is. But it didn't make any sense. I can understand if it had been two years that went by and I destroyed my home. But it's been about six months since the other guy came and it's the same house. I'm fixing my house up, not destroying it.

Lower was the one that was available and I got my mortgage from them through a simple phone call. The rates and terms were acceptable. And the rep was very pleasant, kind and courteous.

They were responsive and the process online was straightforward with anything about it. Their rate and terms could have been better, though. Because I'm about to refinance it at one and a half points less.

They did a great job resolving and clarifying issues.

Opendoor was saying that if I went through Lower, I'd get a percentage off of the house. Getting in the house was so expensive, and every penny saved is good. So, I went with Lower. They did really well. I got pre-approved quickly, but I have good credit, too. They just took my documents that I provided for them. So, it was really easy because a lot of companies have to talk with your bosses.

Lower is good and easy to deal with. I got a conventional loan, and the application was smooth. I got along with them well. They got back to me fast and the main thing is they were easy to get ahold of. I don't waste my time. Craig did a great job. He got back to me fast. We had a good rapport, we had a good relationship, and that's why he took care of me.

There are too many documents needed and the process took 2 weeks. They could move the process quicker and ask less documents. Other than that, I've had a good experience and I will tell others it's okay to move forward with Lower.

My experience with Lower was amazing. They gave me the best deal and I fired my lender to go with them. My rep was awesome. He was patient and thorough.

The person in charge of my loan over-promised and said that she could work out a loan for me. She gave us a closing date but she didn't communicate that to anybody else on the back end. I ended up being approved but the whole thing was a horror. And we were a month late with the closing. I tried calling but she wasn't picking up the phone. I had to call all these other people. It was really bad. But it was an easy application in terms of the way that Lower set up their user experience online. It was not confusing. It was simple. There was a little portal where I could upload stuff if I needed to. It was just my loan agent didn't always look at it.

It was easy to set up online and pay online with Lower. I paid one payment to them. I mailed that one in because that was my first one.

I had no dealings with Lower except for closing and signing all the paperwork that they had for me. I made one initial payment with them, but after that, I was directed to send it to Freedom Mortgage company. But we closed with Lower super fast.

Lower worked with me very well. The rep went above and beyond to make sure that I got the loan secured. He stayed on top of the loan both day and in the evening hours. Even on some weekends, if I had questions, he would answer his phone and try to point me in the right direction. However, I got my insurance through my insurance company, but Lower didn't use it. I had to go with Travelers, and that part of it I didn't care for because Travelers Insurance ended up being a bit more than Progressive that I was using through my car company. That was one of the things I had a little bit of a problem with. But just to not hold up the process, I went along with what Lower recommended, which was Travelers. Other than that, it was a good experience. My loan was expedited for me within two weeks.

I was disappointed in the fact that Lower had to jump into a higher interest bracket, but I somewhat understand that. I should have just taken out a second against my first or took out a separate loan instead of refinancing. I could have asked some better questions instead of having to mess with my first payment and come over the way to get money to pay for what we needed.

I got a direct mail piece about an offer for a cash-out refinance. It was interesting. So, I reached out to Lower and I worked with the contact. They processed the loan and then they sold the loan to Shellpoint. I worked with my two contacts and they were great. Everything was easy, but I also was very organized and was ready to go. So, I had everything ready for them.

I completed an application process online and then I talked with one of the reps. I had a lot of questions and they gave me the rundown of what the process would be and they gave me a free pre-pre-approval based on the information that I gave them, and then I completed the application. It was very easy. The rate was okay. It was fair for the current market. But sometimes it was hard to reach customer service. When I got started, I was given a couple of people to contact and after week one, I had a little trouble contacting someone. So that peeved me off a little bit.

I was looking for a mortgage as a first-time home buyer. My real estate agent recommended the representative from Lower and I heard nothing but good things and he was great and responsive. The application process was easy, simple, and efficient. They were able to turn around everything within two weeks.

A lady called me and said she would be the representative who would be bringing the papers. She would be going to our house and it would be the closing day. I emailed the loan officer and asked him to send me the documents ahead of time so that I can review it and when the lady comes for the closing, we already know what it is and what's in there. He said yes but we never got a chance to see the documents. I was not even aware of how much money we would be getting, how much would be deducted and the fees that would be deducted ahead of time. Everything was on the same spot, on the same day that we were signing. The lady who came for the signing was not very familiar with the documents. We had a few questions and she came with all the documents with things we'd never been informed of prior. So, everything came as a surprise.

I had some initial contact with my loan adviser, Miles, and he was great. Then it went from the loan adviser to the underwriter. The process with Lower was very straightforward in the beginning. Miles was very clear about the steps and there was a lot of great communication about what was needed. I was trading documents around really fast. Initially, we were doing a home equity line of credit. However, the terms of the agreement when I went to go to closing were different than what I discussed with Miles. I didn't discover it until after I signed the closing papers. A lot of it was buried deep in the papers and when I went through it with the notary, she said it was standard.

The whole process was straightforward enough. Mallory was a pretty good communicator. She was always available. She met me where I was at. She would work after hours. She would email, call, and set up meetings. She was awesome. The online application part was really easy as well. The website was good. It was easy to navigate. The whole thing took about six weeks. Lower communicated well. It was great. The only thing that I would change was that after the mortgage closed, they sold the mortgage. Other than that, I would recommend it. The deal that they have worked out with Opendoor really made the homebuying process affordable.

We were looking to unlock a new equity in the property that we had just gotten. We went with Lower and the process was very straightforward, quick, and helpful. However, when the loan got sold, that was when I got plopped into a black hole, handed off and not taken care of. We knew it was gonna be sold and they let me know it was gonna be with a Goldman Sachs company. But it was with a different company and I didn't get the information of that new company in a timely manner at all. I track the payments and make sure we do everything on time ‘cause it's very expensive if we don't. I didn't have information about where the loan was going, who was servicing it, where it was sold to, my account number and how I would pay. Using Lower was great, but being pawned off to Shellpoint was terrible. The interest rates could also be improved.

The online application process was easy and the application and underwriting process took two weeks. It all went good for me. I would get ahold of the rep, Geza, and he would get back within a couple of hours. I felt good about the process the whole time.

Matthew ** did a great job on getting a very quick turn around on a HELOC for my family. Matthew laid the process out on our initial call and was a seamless experience throughout. If you are looking for a mortgage or HELOC give Matthew the chance. Next opportunity I have for a new loan will check with him first.

Getting the loan was very easy. But once I got approved, they switched the lender. So it was kind of a pain in the **. They never said that up front. So it's kind of sketchy. The customer service with Lower was good. But with the company that they transferred the loan to was not great. When I first tried to get ahold of them, they didn't even know I had a loan. Even though Lower sent me my new loan number and the new company that I was gonna be making my payments to. The new company told me that they didn't know that account number. It took over a month before they knew who I was or why I was calling them.

From start to finish, the process took a month. The reps always answered questions and I didn't have any problems getting ahold of people when I needed to.

We were looking to consolidate debt and we had looked at some other options trying to keep our previously low fixed rate, but the other options weren't gonna work out so we ended up going with Lower. The process was good and from start to finish, we closed in three weeks. My previous rate was a lot lower, but we were in a situation where we had to do it.

I spoke with Jared over the phone. He would send me documents and I would e-sign. Everything was handled that way. With the closing, a notary came to our house and did it. It all went pretty good. The only thing that I didn't care for was how they were gonna pay off your debts but they didn't pay them off directly. They send you checks.

We were buying our house through Opendoor and Lower was their preferred vendor or mortgage. We reached out, got a thing through them, and did the standard process. They were very knowledgeable in the process.

Lower gave me a better service to give me a loan this time. But last time, they screwed up because we ended up getting the mortgage and a second mortgage. The second mortgage was adjustable and the reason we have to sell my house and leave the house because the mortgage doubled up.

I got the app, filled everything out, and then got a phone call. We didn't have to do a walkthrough because they had it electronic, so I could open the door and look at the property from my phone. I never met the real estate agent. We did everything online. But they were very quick to respond. So if you are an anti-social person and you don't like dealing with people face to face, Lower is the place you'd go to.

My interest rate is high, but that's to be expected. Other than that, the advisor I had was amazing. He made it easy.

I applied for a 30-year loan from Lower and the mortgage process was very easy. Their website was a 5-plus but by the time I gathered all the paperwork that I needed, the application and underwriting took shorter than a month, which was a long time. Also, the rates were high, but that's the government. Other than that, their customer service was great. I'm a needy customer and their rep answered all of my questions.

The woman in the home equity line of credit department has been supportive and helpful. Even after my mortgage was bought and sold, she helped me with figuring out some bank loan questions. I was able to get in contact with her no matter what. But the sales department was not easy to contact. Lower's sales guy was very kind. I appreciated him as a person. But he did not give me a clear step-by-step. It would have been helpful for me to almost have a visual guide or a grid that he went through with me. Including the access to any sort of online portal, it felt I didn't have any real understanding of how I would access this information, what portals I would use, why I am using them, and how are they associated with Lower. So, I was in the dark.

I wanted to do a home equity loan to eliminate my credit card debts and Lower was the first one to offer me what I wanted. The customer service worked fine.

Lower provided an easy process and competitive interest rates.

I reached out to Lower, asked if a mortgage was something that was manageable. They said, yes. And the process is exactly like it was for my own house. I went back and forth with the information that they needed. Straightforward. Also, they were quick to reply, very responsive and on top of it.

Lower's online application process was simple and easy enough to follow. It was pretty quick for me to get pre-approved and once I went to official underwriting, that process was pretty quick too. Josh, my mortgage lender, had good communication and was available to me. Any questions I had, he usually answered them pretty quickly. I really enjoyed my time with him. Also, I got a really good interest rate and the terms were exactly what I wanted. It's probably where I was most pleased. I would go back if I wanna refinance.

The process with Lower was professional. The lady, Abigail, was helpful. She expedited everything. In a couple of days, everything was done. My appraisal guy was also helpful. They explained everything. However, I'm a little bit disappointed because Lower sold my mortgage to Mr. Cooper. They sent me a letter when everything was done. Abigail told me that in about six months, I should be able refinance this. Supposedly, my interest should go down. But now, that's not gonna be possible because I'm not with Lower anymore. Right now, I have little bit bigger interest than what I had.

Lower is a good company. The process was simple, and the rep was knowledgeable.

We did a cash out refi with Lower, paid off our vehicles and some credit cards and got some cash back. Their process was painless and quick. There was someone else we knew that was doing the same thing through a different company and they still haven't even finished yet. However, we didn't feel the home inspection was done correctly by the third party. We have a furnace in the barn. There's a bathroom in the barn and it's completely drywalled. He only took one picture in the barn and that was it. But we still were valued for way more than what we borrowed, so it worked out.

I've had a good experience with Lower. They did what they had to do. I had been trying for almost a year and they were the only ones. They made it so easy. The person that helped me get the mortgage and the title company were very professional. However, I wanted my insurance and my taxes out of the mortgage, to be paid directly. I told them exactly what I wanted, and they said they were working on it. But at the end, when I went to the closing, I found out everything is together so now I have a high mortgage. It's better because at least I don't have to worry about taxes and insurance at the end of the year but that was not what I wanted.

I got a HELOC loan from Lower. I went online then they contacted me and got everything squared away. They answered my questions and everything went smoothly. Their reps were also knowledgeable in getting back to me on a timely basis.

The program I went with was supposed to be a home equity, but it ended up being something totally different than that. They didn't pay off all my credit cards like they said they would. They didn't pay for my house appraisal like they said they would. After all was said and done, I was still stuck with $4,000 in debt. Their application process is easy. But they're liars. I wouldn't recommend them.

Lower did me a solid, so I'm happy with them. They made buying the house, getting a loan and dealing with FHA so easy. It took much off of me in helping me find a new homeowner's policy. I had been so stressed, and they hooked me up with the right people immediately. I love them. I called Chris and he got the ball rolling. He took care of everything. He helped me through all that and run the numbers. It was very quick. He had an approval for me within days. And we went to three different houses that we had thought about before we settled on this one. It was a lot smoother than I anticipated.

I was disappointed toward the closing. The notary said we wouldn't pay escrow but found that we would. Up front, just tell me straight out. The law says we have to have escrow on this type of loan. But all of other Lower's services were good. The banker was good. I got the basic information. I didn't know how much of a chance I had because of my debt-to-income level since I'm retired. But the banker took that into consideration and looked at my house. My house appreciated a lot, so I had a lot of equity. So, she did a good job analyzing it, had a deal to propose in a couple of days, and I agreed to it. So, it was quick.

The application process was easy and painless. They ran with what I was thinking of, came back with some options, and we went ahead with it. It took a couple of days to get everything together, but most of it was online, then explaining what way was on the phone. The rate's not that great, but it works. It at least addresses the issue that I had at that moment.

It was a very great experience with Lower. I didn't know much about the process of applying for a loan, the process of getting approved for a loan, and the process of using a loan to buy a house. They did a great job of walking me through each step of the process and how it works, talking me through the jargon as well. This is all before we even started the process to give me a little peace of mind.

We sold our house in New Jersey and figured that we wanted to buy a house here in Florida, so we decided to look for mortgage companies. We had another provider, and that person did not answer any of our questions, and they were not professional in a way. We decided to look for other people who would give us a quote, and our real estate agent gave us a few. We chose to go with Lower because the rep was able to answer all the questions we had. He was good. He would work late at night just to send us something and he seemed very professional and gave us current promotions that they were running for the company.

I got connected with Damien. He called me back and he was the easiest person to work with, and we felt he tried to help us. Once we got through all of the red tape, it didn't take too long. It took six weeks. But the FHAs changed right when Damien started to help us, and we hadn't owned quite for a year, so we had to wait another four weeks. But as soon as he said, “I'm gonna call you on this day and we're gonna start it,” he called the same day he promised. So, he was awesome. Him and the loan officer were both good. The rates and terms of the mortgage I received were good. The only thing that would surprise us at the end was how much all the origination fees were, because it came out to 16,000 in total. So, that was steeper than I expected. Everything else was good. I would still recommend Lower to everybody.

I reached out to my old loan officer, Brandon but he no longer works at Lower and he referred me to Dane. He and I worked very well together. It was a 30-day close but from first conversations to the house being purchased, it was a total of 60 days. Dane was great. He gave me his mobile cell number. I worked with him directly every time and he was very straightforward. I considered Dane not only a business partner but a friend. He told me about his family. It was a pleasure working with him.

The process with Lower seemed to be a lot easier than some of the other local banks or other online mortgage companies so I went with them. The reps who helped me with the process were good and they made it easy. I liked the fact that they would text me as well as email. But I had some issues with trying to get some things uploaded to the portal because I don't have a scanner. Maybe their portal can have the capability of taking pictures or something.

Lower contacted me when I was looking for a mortgage and I went with them because I saw a lot of good reviews online. Then, I refinanced and I decided to go back with them because I liked them a lot. They have great customer service and they're really responsive. We tried to refinance six months ago but the rates were ridiculous. The rates went down and Lower contacted me again and let me know that my options were gonna be a lot better the second time around. We sent all of our paperwork and the whole thing took two months in total. The rep I worked with was always right on top of telling me anything that needed to be done and he was truly available 24/7. Even after we closed, I was still able to reach out to him when I had questions. He was very polite and his communication was awesome. I'd work with Lower again.

I refinanced and Lower gave me the most money back. Also, they said that once every so many months, I could refinance off with them for free. I'd recommend them to a friend.

Whitney, the rep I worked with, was good. When we first started talking, even though we had put in an offer, what was coming out from our existing mortgage companies wasn't gonna be feasible for us to be able to afford the payment. And she just kept working with us. Finally, we were able to find something that was amenable for both parties. The rates are way too high but that isn’t Lower’s fault. It’s okay. It will go down. The free refi option gave me confidence in taking the loan even though the interest rates are as high as they are right now. I was happy with my experience.

My experience with Lower started good and then it went downhill. My mortgage went up twice. They said it was a miscalculation and then they said the insurance went up. Nobody offered me anything. Other than that, I would recommend it. They treated me good. The only thing I didn't like was about a week later after the closing, they sold it. That’s the only thing I disapproved for.

We did a refi and pulling out equity with Lower. We had one dedicated person, Sam, and it was a lot of emailing, calling, and texting. He was always right on it and there was no delay in either responding or asking me a question. I had some correspondence from some other people. But what was good was Sam called me and told me, "Hey, my boss is gonna reach out to you." So I expected it. They were very thorough and clear. With today's climate, the rate was the best we could do. I want my rate as low as possible. But with all that being said, at least Lower gave us a chance.

We did our first mortgage with Lower and then, we just did a refi. The online application process was quick and the whole process took under a month. Our mortgage guy answered all of my questions and he was completely upfront with us from the get-go. We not only talked on the phone, but he was also available by text. So any questions that I had, even on the weekends or late in the evening, he was there. People should go with Lower. They know what they're doing, and they can get you hooked up. They did a good job. They told me what I needed to have for them and we did it. They told us when we would be closing and we closed a day or two early. At this time, with the rates being high, we got a fairly good deal.

Lindsay was the one that helped me. We had a few issues getting the appraisal and she made a few phone calls and stayed pretty diligent on it trying to help me get the results back. That was a big help to me so we could get the process completed a little faster. Also, she pretty much contacted me daily, if not every other day or a few days. Whenever there was a development, she would contact me and then make sure I understood everything and kept me up-to-date on the process.

The application process was fairly simple but the underwriting process got sticky. The day that we were supposed to close, they kept delaying and we had to push it back. It almost jeopardized the deal. They could improve on the communication from the underwriter's side. Instead of waiting until the last two days to ask any pertinent questions, they should have done it at least a week ahead if not prior. Other than that, Miguel, the loan officer, did great. He was able to answer all of my questions. Also, the underwriters that were able to correct any issues were awesome. They came through and helped with closing it out. I've had better experiences with other lenders but overall, it was great.

The application and underwriting process with Lower took less than 30 days. It was quick and easy and they worked with me every step of the way. We went down one path to start with and ended up changing that. So, if we would have gone down that path, it probably could have been done a lot quicker. It was hard to get them through email but they would respond very quickly with text. Submitting documents was easy but it was a little challenging to utilize the online tool. They told me that there were things in the online portal but there weren't. So they had to walk me through a couple of things, a couple of times, and had to send me emails with the attachments that I couldn't see in the portal.

Dan and Lower were awesome to work with. Dan was always available, creative, in tune with our situation, and helpful every step of the way. His co worker Drew was also very helpful. We will recommend Lower to friends and family. We closed on time and they did everything they said they would do. Very satisfied.

The online application process was very easy. The rate and the terms were good for the market that we were in.

Patrick from Lower was awesome and he was the reason we went with them. Obtaining a mortgage is not an easy process. We had already started it with two other companies so I started gathering a lot of the documents and I had everything that we needed. Patrick needed a couple of other things I was surprised that he asked for. He needed proof I didn't own a business that I started 30 years ago and I never pursued it. It never went anywhere. So, I had to prove that. And he needed more proof about my income and where I work and a couple of the other companies. But other than that, he had everything he needed. He did all the work and made it super easy. I would have Patrick promoted. He should hire people and make clones of himself. He was fantastic.

I was a first-time home buyer and Lower made everything super simple. I always felt like they had my best interest in mind, which was the most important thing to me. The customer service I received was next level and everybody was super relaxed and knowledgeable. If I had any questions, they were always really quick to answer. I noticed that a lot of times, a lot of the employees were working hours that I would not have expected them to work, even dealing with real estate. That was cool and everything was really simple and easy. Also, the online application process was really simple and was part of the reason I enjoyed this whole process. I felt like everything was communicated clearly, but I was also able to access it at my own pace, whether I was at work or in my free time. The online portal was a great option and I enjoyed being able to utilize it.

There was a contract out on the house and I wasn't notified that the contract didn't come through. I had to see the house online to notice that it was still available when I put my name on the list in case it did fall through. I had to inquire about it and start all over. It was like that list didn't exist. It was a process that fell to the wayside because it was a waste of time to put your name on a list that didn't exist. But Lower’s customer service reps were very pleasant. And the rate and terms of the mortgage were okay. I have to put down more money to lower the interest rate. But at the time, the current interest rate was higher nationally than it is now. The feds lowered it the month after I got the house.

Initially, I filled out a form online and then, somebody called me back and went over all my preliminary information and got me a preapproval quickly. It was probably within 30 minutes so that was easy. As far as the rest of Lower's process, it got a little bit wonky after that. In the middle of my loan process, the loan officer I was working with left the company. I started dealing with somebody else who seemed not as knowledgeable as he was. So I had issues with getting loan estimates and they were not correct.

It was easy to apply at Lower. It took a day. I had all my documents together. They were very helpful and responsive. Whenever I would reach out for an update, they would always get back in touch with me within the next day. Their rates and terms are also fair for where we are right now in the economy.

I have one big complaint with Lower. They hit several targets, which I was going to hit anyway with outstanding debt. But they missed one and it was a large balance. They paid something else off, a lender that I bought from on a special deal. It was three years, same as a cash type thing, and I was only about halfway through it. So it was 0% interest on that outstanding debt and yet, they left a big gap of an outstanding debt of $13,000 at 12% that they didn't insist that I apply it to. So it is just a hassle, because now I got to go back there and make the money work out. And I had no intention on paying off that 0% because it was free money until 2025. So I would have paid it off by then and it would have been much lower by then.

The rep, Austin, was superb, and my experience with Lower was good. The application was given over the phone. The real problem was satisfying the agencies that processed the loan, but Lower was very helpful through that and didn't leave me hanging. They answered any of the questions that I asked. They came to me and that was after a loan company failed to do it. I was appreciative of that. The online website was functional as well. I had to pass in some data there, and there wasn't anything that was difficult. They didn't hinder the process at all. It just took time.

Our mortgage guy was Daniel. He was the one who led us through the whole process. He did well with everything else. But I feel like for most of the things that we had questions about, he was technically doing the app answer for them. And if we needed a solution, he was not helping us with it. We didn't have any bad experiences. But I feel like most of the people that work for Lower, it's more about them just making the money. It is not more about them making the buyers understand the whole process or the buyers feeling comfortable with any type of questions that they have. But the rate and terms were okay. I don't think we had any type of problems with that.

We were looking at a home and Lower was on the for sale sign that went along with it, so we considered using them and started the process. Signup was not a good experience due to the incompetence of the people that were handling the underwriting and the collection of information. It took a couple of weeks, and we won't be using Lower ever again. They dropped the ball on numerous occasions and their communication with us was negligent. We had to always reach out and find out where we were at or whether we needed to do more, and then they would always say yes.

The loan process was smooth and easy, but I don't think there was transparency. The loan officer that I was dealing with tried to sell me the loan, but he was not upfront about the rate. He tried to convince me that he'll keep finding a better rate, which he never did. Lower offered me a very high rate given my credit history, rating, and score. I had a good score and the credit unions were offering a better rate. I might not go back to Lower. I also tried to send them an email asking them to send me the close-out details, but they never responded. It's been more than three weeks now.

I did an application online to get a rough estimate, then I got an email immediately and somebody reached out to me by phone. After that, I filled up the paperwork and talked to a loan adviser in regards to my options. It was really simple, and given the market, it was a fair rate. Also, my loan officer was very knowledgeable, patient and always there for me. She was even available during the weekends and late at night.

I filled out the online application as I found the house online. It was initially with Opendoor, but we ended up going with another home that was not listed with Opendoor because the loan officer was personable and knowledgeable. Once we went on a contract on the new home, we sent over all the information to Lower. They were on top of things as far as deadlines and meeting all the different timelines that were expected, and they were able to get us closed within 27 days. It was quick, and everything was straightforward. It was a great experience.

I talked to two mortgage agents. The gentleman I talked to initially was very helpful and walked me through the process. He put me on to one of his partners and he helped me from that point forward. We got the loan quote and the details all squared away. Eventually, that was more my delay than theirs. I was changing things on, but we got that resolved and went forward. There was also an email from a customer service person and that was fine as well.

The process with Lower took longer than it should. The loan officer wasn't as communicative as I would like him to have been. He answered all my questions but I had to reach out to him and see what was going on. Some updates every other day would have been nice. But he didn't do that. The rate is a little high too. It's 13%. But I have a lot of debt so that may have something to do with it.

The website was easy to navigate and straightforward. The rep's communication was good. But the rate was a little high.

My broker, Carter, was so nice for over a year and kept on checking in. When I finally moved, he was super quick and the process was very fast. It was great because I was able to text him. If I had something more dramatic, I could text him and we would have a phone call really quickly. He had a lot of great explanations for basic stuff I didn't know.

Everything that I used, including uploading my own documents, was seamless. Everything was done super efficiently. Whenever I had questions, my loan officer got them answered for me. They were the primary reason we were able to get everything closed so quickly. From start to finish, it took somewhere around 26 to 27 days. It wasn't necessarily on Lower that it took a little bit longer though. The part that they had to get done was done very quickly. But we had to have a second appraisal, and then the seller also had to repair things that were broken. So, that was what took the longest time.

Katie, Lower’s loan officer, had everything all fixed and ready to go for us by the time I was ready to do the mortgage. I was very impressed. She was great. She helped us with everything we needed to get as far as documents. If we didn't understand something, she was right there. She knew exactly what she was talking about and what she was doing. The application process was shorter than I thought it was gonna be. It was very quick and I was pleased. I hear about people not closing on their houses for four months and it took me a month and some change. You can’t get much better than that. And the rate and terms were fair, in today’s economy.

My experience with Lower was awesome, very easy and quick. They were very responsive and good. The rep made it seamless. I was very impressed how easy it was. I thought it'd be a lot more hoops. I also know where rates are and they were competitive. I'd recommend them to anybody.

The process at Lower was quite easy. I sent all my information in, my previous tax returns, my income statements and my asset sheets. Riley, the rep, did everything else for me in terms of handling the mortgage, a company that they were working through for whatever external business they work with. He would just tell me if they needed anything else. I'd just send it right to him or write to whoever needed it. And the process was done in seven days. The rate was also a lot better than I thought it was gonna be, ‘cause I know rates nowadays are quite high. Lower.com's website was also easy to navigate.

I had a great experience with Lower. I put in my application, and they let me know what I was approved for, then I proved I have a job and everything that they needed. They went through the process of getting me preapproved and once I got preapproved, I got my preapproved letter and started house hunting. The house hunting experience was fun, but it was hard at the same time because the houses were more expensive. After that, I found my house and I went through the process of the due diligence period. It was a 45-day process, but the service was amazing. Any time I called, they were available. If they were not available, they called me back in 24 hours. I enjoyed the quick response and the care.

We contacted Matthew to inquire about a HELOC because we wanted to redo our barn. He gave us multiple different options and went through the different processes that we needed to do. He went over the first option but we told him that we didn't think it fit us very well, so he went through another option that did fit us better. After that, we were able to do the appraisal. Everything turned out real good. It went pretty smooth. Matthew was very knowledgeable and helpful. I wasn't completely satisfied with the interest rate. But it's over 15 years so it's doable for what we're doing right now.

Working with Lower was fast and easy. The application process was straightforward. Getting approved for the loan took two days. Katie, the representative, was good on her communication skills.

Lower is very quick to respond in general. They're easy to work with. I just text the agent if I have questions or reach out through their website. My dad got involved in the process because he was my agent on the homeowner's side. When my dad had questions, the agent responded to him as well. The process is straightforward. I just drop documents or sign them as needed.

Our rep, Riley, did everything with helping us stay on track as far as verifying everything with our income and helping my boyfriend get his taxes filed so that way we were in the best place. Everything came back better than we were expecting. Originally, we had qualified on an FHA basis. Then they found a discrepancy in my Social Security. Once we got that corrected, I qualified a lot higher, our rate came down a little bit, and our closing costs were cut in half. The only thing that was tricky was my Social Security was wrong for a lot of the process, so it ended up causing a lot of loopholes that we ended up not needing to jump through. We were in contract for two months and a better review upfront with me to verify that my Social Security was input correctly would have cut off four weeks in contract.

Lower is excellent. They're always available. I had a very difficult situation that the underwriters hadn't seen before. My rep worked with the underwriters to come up with the requirements that I needed to make the loan. She made the loan work and it went through. I got the property.

Lower was the fastest. Also, applying was self-explanatory. I took a picture and sent it to my guy. Working with Dan was very pleasant. He helped me out a lot. Any time of the day, I could call him with any question I had. He didn't care. He always made himself available.

I'm a repeat customer. I used Lower for a previous service a couple of years ago, and they had the best rates back then. I liked that they were fully online as well. The platform was not something spectacular, but it worked okay and I like the customer service. It's better than regular banks, especially because I don't have to go anywhere. They were quite professional and clear in communication. It was, overall, okay.

Katie, the rep, was awesome. She was very efficient, and everything was fine. I did the portal and getting a new mortgage with Lower was fast. They made it really simple, and I was happy with them. However, the rates and terms definitely could have been better because they were not in line with what else I was getting.

As my PMI is getting ready to drop off I have had to make numerous phone calls to request what should have been an automatic thing based on my equity in the home. They have dragged it out for 60 plus days and then the final outrage is when I was charged PMI twice in the same month of July. When I inquired about the double charge I was told they are behind and that one of charges is for June.

My loan officer was amazing. She caught me up day-by-day, and if I had any questions or if I needed help online, she was there to assist me at all times. It was great. The FHA loan took three weeks, which was fast, and the rates and the terms were not the greatest, but it could be worse.

My rep Kathy was smart. She really assisted me and gave me all that I needed. We closed within three weeks. But the rate to make an investment property was a little bit high.

There were complications that would pop up, but I didn't even know about them until after they were resolved. So, it was as best as a first-time home purchase could have gone. I reached out to Lower on the first day that I wanted to look at a house and I had a pre-approval within an hour. Ten days later, I had an offer accepted for a property. And roughly less than a month later, had closing. So, from start to finish, it was over a month. Everybody was surprised at closing that I was able to secure that low of a rate. So, I was pleased with that. I would recommend the person I worked with. It was top-notch and easy. There are a lot of incentives that would draw someone to go through that.

Working with Lower wasn't excellent, but it was good. The initial person that got everything together for underwriting was great. When I ran into concerns or I had questions, she would either email or reach out by phone. If I wasn't available by phone, she would email me. It was pretty fast. There was a consultant and he got all of my information and got me approved, and then it was sent to someone else to confirm everything. She was my last point of contact.

They walked me through each step all the way and the application online was easy. Any problem I had, I was always referred to my financial person and they worked well. He was extremely knowledgeable and he knew all of the different programs in order for me to purchase the home. It was my first time and I went through it with no problem. I'd tell others to use Lower.

Lower just asked for the documents needed, I provided them, they stuck with us, and the gentleman made sure that he kept close contact throughout the process to make sure that everything moved accordingly. He was very communicative, kind, informative, and understanding. The rates are high, but the experience itself was good. But they probably could give lower rates.

Dan was very easily to talk to, explaining everything in detail. He was always ready to help us when we had a question and made himself available. He was really great. When we set up the things and we got approved, Dan sent us to talk to another person. That was very complicated because the communication was poor with her and we could only talk to her via email. We called, but she never called back. We sent the message, but we would receive a message back two days later. So it could have an improvement. The rate was very fair, especially in the market that we are right now. It was reasonable.

The rep was very friendly. The process was very painless. I sent him a few pieces of information that he was looking for and got the ball rolling and everything was really smooth and easy. But the rates are pretty high right now. I'm not really happy about that, but it is what it is. The service was really good through the whole process. We were looking for a real quick closing time for when we went under contract. So we closed and they were really good about that.

I can't say enough good things about my loan officer. I was a first-time home buyer, so he led me through the entire process and explained everything before it happened, explained things while they were happening, and was on call 24/7 for whenever I had questions. It was above and beyond, and the process only took a few weeks. Also, the rates and the terms are fair for where things are at and I'm happy with it.

When I talked with the broker, he was very informative. He gave a breakdown of everything. He was very open and forthcoming. He even told us what would be a good idea and what would not be. He asked quite a few questions, but the questions that were asked were to make sure that we knew what we were getting into and our income, making sure we would be able to afford being locked into a loan. He went above and beyond with the application to the benefit of the applicant. When he did the credit pull, he mentioned some things that would help us get our credit up and suggested later on if we wanted to do a refinance to bring our APR down. But our APR is not bad at all. It is very fair based on our credit. Any question I had, it didn't matter what the hour was. I could ask it and they had an answer for me right away.

I was more comfortable speaking with Lower, and their process was seamless. I was a little stressed out trying to get some stuff handled 'cause it was such a big commitment but overall, Chad, my associate for Lower, made the process simple. He was able to lock me into a rate that was lower than what everybody else was having to deal with. He answered a lot of my questions. He responded to my text messages at midnight sometimes when I was trying to get things done.

A few minutes after looking at Zillow, Lower gave me a call. They weren't pushy. And they knew I was just shopping around. They would respond within 20 minutes for whatever I asked, and respond on a weekend. It was over the top. The rep was on point. He checked in with me every other day just to make sure I didn't have any questions. He was very patient. I didn't feel stupid asking him anything. I never bought a house before. They explained every single line of, “This is the interest rate. This is how it works. This is what's next.” They even referred me to somebody to get a home insurance quote, too. They made it super convenient. And the approval process went fast. It was less than a month before we were closed.

Our experience with Lower was great. We did a FHA loan, and they made everything easy. We talked to them through the phone, and we got Brianne. She was great all the way. She always stayed professional and she had that positive attitude. We had issues, because we were going for our first house, and then somehow, it didn't go through. So, the process was about a month and a half altogether, but other than that, everything was great.

The rep walked me through the process well. Lower had the option of texting and emailing aside from calling so that was helpful, being busy and having other obligations. They gave me a heads-up before anything would be done and gave me more direction during the process. They confirmed afterward, making sure that I did it correctly. Getting everything done took a month and a half because we had a couple of issues with the inspections that slowed down the process a little bit. The current rates are not the best but it was at par with what the lowest other companies mentioned that they could give me.

Riley from Lower was great and the application process was smooth, simple, and easy. I would tell others they can't go wrong with Lower. It's a good company.

Lower was open to considering varying circumstances. So, they appeared to be the ones that might be more helpful to my situation, which they were. I would recommend them to anyone. Overall, the experience was great though in the end, there were some things that could have been done differently. We kept getting asked for more stuff and the things that we provided had to be redone. The interest rate was a little bit higher from when I just started. The process took longer so it changed.

I went through Lower twice. The first time was in 2022. I went on there and saw I could get pre-approved easily. Jeff followed up with me. The second time, I reached out to Jeff directly because I had a good experience with him. It was very easy and the rate was amazing. No one else could get even close to it.

Lower helped me get a house. I wish that we got a better rate, but it is what it is.

Lower was our previous lender for the house we were in before the one that we just bought. So, we reached out to them for pre-qualification for the new house. The lending process was stressful. Our loan officer was horribly non-communicative. He lied to us at the beginning. He didn't keep us updated on the information, and he gave us many surprises at the last minute with hours left in the business day to make a decision or else, we lose the house or push closing. He cost us hundreds more per month and thousands more at the closing table with a worse rate than he initially told us.

Overall, I had a good experience and customer service was good. The application process was easy-going. My rep was helpful. He gave me my options.

I previously had a loan through Lower and it seemed simple. I gave them all our paperwork and they look at it. Lower this time wasn't as easy the first time. They asked me a bunch of strange questions that I wouldn't have normally associated with buying a house. They claimed it was due to new federal regulations that tightened up requirements. What my lifestyle is shouldn't pertain to what I could afford for a house.

We applied with Lower and were closed within 30 days. They were great. It was a daily phone call if I didn't hear anything. I would use them again if I need to.

Lower’s service was great and they were easy to work with. The approval process was quick. The reps were responsive morning, noon, night and weekend. They gave their cellphone numbers. They were very encouraging and knowledgeable about the process. We did an FHA mortgage and the rate was a little bit higher than I liked, but we're in an interesting time, so it was either keep renting or go with the rate and refinance later. People should use Lower. It’s not gonna hurt.

Lower was there for me and my wife. They communicated with us. I'm thankful that they were able to help us out. We tried with a lot of different people, but it was a headache. With Lower, everything was smooth. I'm satisfied.

I applied for a pre-approval through the website, and I got ahold of Chris who was phenomenal. He made sure I knew everything that I was getting myself into and walked me through the process. He also allowed me to start shopping for houses quickly. The rate was good and the mortgage was as well. The amount borrowed was lower than I was expecting, but it was flexible and it still afforded me to be able to be competitive within the market.

Lower had an incentive program where you get $2,500 towards closing if you use them. The guy I worked with was great. He explained the process, the policy and what I needed as well as how the loan was gonna break down. He worked through my questions about options. After I got the final interest rate and all the other things, it was a no-brainer. It was easy to get through a lot of Lower’s stuff and I was able to do it online. We're back up at 6% rate but it would have been lovely to get three. I can afford a house at that particular time and this is the market we have right now. Lower has offered free refinancing at that particular time. There was an incentive to pick a 15-year mortgage but it’s better to get a 30-year mortgage and pay it at 15.

I started off with one loan officer and had to put the house I was in on the market. So, I went on pause for a bit. When I reached back out after my house went on the market, it transitioned to another one unknowingly. I reached out to my original loan officer, then another one reached out to me, which seemed fishy at first, but it worked out nice. They were both very responsive. I was in Hawaii for a few weeks when I started the process, and by the time I got back, we were already on track to finish up. The rate is much higher than what I had, but it's still lower than the national average as of right now. The reps did a great job.

The rep for Lower was very on top of it when I ask questions and got back to me fast, either email, text, or phone call. For the process, Lower was very quick and thorough. The application process being online was nice. During the underwriting process, they asked a lot of questions, like things that I wouldn't have thought to be something they needed to know for getting a mortgage. It was, all around, good. The only thing I didn't like is they don't have options for down payment assistance. For first time homebuyers, people can get down payment assistance, but they didn't have any of that. They told me right away though.

They made everything as quick and painless as possible. It was really good and simple. They did a good job.

The rep asked me for my information and then, he processed the documents. Everything went very smoothly. He was very responsive to all my questions and I was satisfied. I would recommend friends to try Lower.

The loan processor would reach out and check on me. So, he was wonderful. Everything was great from start to finish. Every time I had a question, everybody was answering and got back to me quickly. If I had a question, I would ask the person I knew. If it wasn't his, if it was underwriting, he would direct me to them. Lower’s process was flawless. My purchase wasn't a big one but they never made me feel like it wasn't.

The process was easy. It was all online. But they lost our paperwork and delayed us by a month.

I found a house on the market and the Lower reps were attentive and took care of business. They did the whole process, and I didn't have any problems with it. From the time we started to the time we closed, it was three weeks. They were a little high on the rate, but it's all going up right now anyway. I like having title companies that are local. There's a bit of a cost associated with doing things online. They charge a lot of money for wiring all the money back and forth.

Mallory, the rep I worked with, was helpful, and there were no issues with the application process as I had done a bunch of due diligence prior. It was a smooth process. I was already preapproved for another company. I was just shopping rates. Lower got back with an initial estimate of what my rate would be in one phone call, then getting the official confirmation of that took a couple of days, but that was because of my turnaround time.

The process with Lower was straightforward. It just took a lot of time gathering all the documents needed. There were some confusing times that seem to be industry practices that I didn't like and that is that interest rates can change within hours. That happened several times. I got frustrated that the rate kept going up from what I was originally quoted. They were able to talk to managers to get it down to the 6.125, then I could buy it down to 5.8. I had to pay extra money to get down to that. It almost negated the process of using them, but I was already so involved that I had to do it to close. But the reps were in contact constantly. Brianna did her best to make sure that I understood what was happening.

Lower had good communication. They answered my questions and my loan went through with no problem.

The online application process at Lower was simple. Josh made it really easy. He was there every step of the way. He was able to walk me through any time of the day as well. The process was also quick, especially towards the end. It took 45 days. However, I had to keep repeating myself. I had to keep talking to multiple people about the same thing. But they were with Lower though. I said, "You guys can't communicate that with each other?" It was bad. But Lower was great. They're also connected to Opendoor. I would recommend them any time.

When I talked to the agent, Chad, he walked me through everything. I felt really comfortable with everything that was going on. He was great. He was always available too, whether it was a call, text or email. He explained the difference between the FHA and the conventional, the difference between putting 5% down versus 10% or just laying everything out there. He was extremely helpful. They had a portal where you can load everything they wanted. Anything they needed, they'll let you know. They also let you know the status of your process. It was straightforward and easy.

I have three mortgages with Lower, and the rate and terms have all been great. It's based on the federal rate. The reps were good with communication, and everything was super smooth. It was easy, and I've already referred a few friends to Lower.

The application process was kind of a blur. My lender, Josh, was really helpful each step of the way. I would tell others that they should go with Lower for the customer service. It was nice working with Josh because I know that he is gonna look out for when the rates do go down a little bit more. I feel like I have help and support, which is always nice when you're making purchases like this.

My experience with Lower was pretty good overall. I felt a lot of the communication was almost like a sales pitch. They're trying to sell you something. Communication was few and far between. They had asked something of me, and I get five emails, a bunch of text messages, and a bunch of phone calls. They were like, "Hurry up.” Then when I asked them for something, it would take four days before I got any type of response. The communication and the way they talked to me could have been a little better. Overall, it was a very quick process. They got things done quicker than typical. It only took us two weeks to close in our house. I would use them again. I would recommend them to whoever’s looking for the same type of thing. The rates were comparable to any other information I've gone through. They do have a couple of good incentives because they're partnering with Opendoor. You can save some money on closing costs.

I was recommended to Lower from a friend of mine who was my real estate agent and my experience when I first called was amazing. The rep I worked with was a great guy. He was very personable, communicative, and very transparent with everything that's going on and what prices were. He did a great job and I would be happy to work with him again. I will be recommending him to other people looking for a mortgage in the future.

The experience of buying a house for the first time is stressful, but they helped me through all of that. I didn't know a lot at the beginning and it was real easy for them to explain to me what was going on and how the process would be. Also, they're very attentive and helpful. If you need anything almost at any time of the day, they would be able to answer the phone and guide you through stuff. I would tell others to go with Lower.

This was the first time that we refinanced our mortgage and Lower's rep took his time with explaining everything and making us feel comfortable with the process. And it went a lot faster than we thought it would be. The process seemed much smoother and the rates were better. My only hesitation when we were trying to decide whether to work with Lower was they aren't local. So, I thought that some random company from out of state would not care. But I was pleasantly surprised with how great they were to work with. They should have more advertising because I have never heard of them.

The application with Lower was smooth and the reps communicated whenever new updates happened. I like the experience a lot. It's very good and I'll do it again. During the underwriter process, they kept asking for a bunch of stuff, which I get. But there were some that annoyed me. The investment income that I gave and the W-2 income that I had should have been enough. I kept on giving more stuff and they kept on needing more stuff for my 1099 income. So it was a little frustrating to have to keep going back and forth and having to keep giving more documents, as well as having to connect them with people so I can prove stuff, even though it was clear as day. It was on my tax return. But the rest of the process was good.

Lower wasn't on my radar when I was looking for a home. I already had a pre-qualification from another loan officer and it ended up that the house that we shortlisted was through Opendoor. They’re affiliates, which is why Lower could offer me a good deal and I went with them. It took not even an hour or two to get pre-qualified. It happened quickly and then, I ended up putting down that offer with the pre-qualification and it got accepted. It went through and the closing time was 21 days. We could have done a few more days earlier, but we had to wait for the closing date. Everything else was done.

I liked Lower's flexibility. I only put down 3% and they were able to work with me with that. It was an easy process and their reps were very helpful in getting the loan completed. It was less than a month before we found the house and closed on it, and the rate of the mortgage was fair.

There was a miscommunication with my wife during the discussion on what was included in the final monthly payment and it ended up being a different amount than what we expected. There was not much we could have done at that point, but she was frustrated. Other than that, we went with the loan and everything else went pretty smoothly. The reps at Lower were responsive, too. But next time, they should give more attention to the specifics and be upfront.

It's been good so far with Lower. Our rep has been awesome. He was able to keep up with me. I'm not impressed by the rates, but it's pretty standard. We're hoping for a good refinance in the future.

The application process with Lower was really easy. The agent that I worked with was phenomenal. His name was Jeff. I was called just on a fact-finding pre-approval mission and we talked on the phone for almost two hours just going over different options for loans and we did a short pre-approval, which was very easy. He told me exactly what I needed. I sent that over to him. Then, when we got into doing the mortgage, they have a great online portal that sets what documents they need and where to upload them, and in what time frame. So, it was all very seamless through the whole process. I was incredibly comfortable with Jeff. Lower is a great option for first-time homebuyers. The amount of time that they took to go over all of my options with me and all the different types of loans and how the different types of loans affect my rate was a great resource to have, being a first-time buyer.

The rep from Lower was very ambitious and seemed a go-getter in what she was doing. The application process was pretty simple for me because all of my documents were already online. So, it made it really easy and a very smooth process. In the end, it was a horrible experience. It was like a bait and hook kind of thing. They made it seem like it was really enticing and really good, and I don't know if it was just the people that we worked with or if it's the company as a whole, but the with the lender that I went through and both the Realtor that I went through and our title company, I've never experienced anything like this lady was putting us through. So, we felt we were supposed to close.

A rep from Lower reached out to me, asked me a few questions, and then I followed up and did my application online. He called me back and kept me assessed every step of the way. I got the preliminary approval in about two days. I felt like it was pretty quick. Once I went through the rest of the process, it was smooth sailing. As I needed things, they were very patient and able to answer my questions. It didn't matter what time of day. They were very accommodating. I don't think anyone's happy with the rates, but that's not their fault. The term seemed fine, and they provided access for me as far as the combination of points and locking the rate. So, I felt really good about it.

My experience was good initially but the rates were changing quickly so I was not offered the initial deal that I signed up for. Then, as a part of the closing, I paid off the taxes and insurance for the entire credit thing and when I looked at my mortgage payment per month, I'm still being charged for insurance and taxes for this year. When I followed up with them, they said that they are touching all of that for 2024. I was surprised that they're doing that because even if they are collecting it for the next year, they should be moving all that money to escrow. I was a little uncomfortable with those things. Lower was able to complete the whole process around closing pretty quickly, which was good, but I would ask others to stay away from them.

The process was easy, and it didn't take long at all. I did a refi, and the reps were good. The rate and terms are a little high, but I understand why it got to that.

We had the privilege to work with Meagan when we considered refinancing our home! Although, in the end we decided not to refinance (on our end), she was a treat to work with, she went above and beyond to find the best possible solution(s) for our family! She was understanding, compassionate and cared what was best for our family! She was always very responsive and communicated throughout everything! When we’re ready in the near future, she will be our first phone call.

I understand it's a long process and there was a lot of stuff going on with the market as well, but I wish it was quicker. Also, we were going through a crisis and they're trying to stop inflation, so there's only as much that we could do. Besides that, my experience was good, and I would recommend Lower. The rep I worked with, Chris, was really attentive.

I used Lower with our refinance about four years ago and the process was super easy. Everybody over there was really nice too. This time, communication was where it needed to be, and everything was as expected. I had a good rate, but I needed to refinance for some debt consolidation. My rate went up, but I got in before a lot of these other rate increases, so it's fine. I'd recommend Lower.

They explained everything thoroughly. I didn't have any confusion at all. I didn't go through with Lower though, but it was a good company.

The online process was great. What sold us was the quick process. Lower seemed to have the best timeframe for us and what we were looking for. It was super easy. We were in a unique situation so sending my hubby the information quickly, looked it over, signed it, and sent it back was important. He got emails. He sent them back. And a lot of our stuff, even during the closing, the lawyers said that they were surprised at how few papers they had to print. But Lower had us do most of them before we got there. Most of it was taken care of beforehand. So, the process is great.

Lower is a good lending company. They offer the HELOC up to 95%. That's the main reason why I wanted to try Lower, because maybe eventually I could try that HELOC later on. But it has been great. My loan officer did a good job. I got the amount I wanted, and the process was smooth. It was all online. So, it was good.

Thank you Nery ** for a great process! From start to finish, he was there to make sure everything was completed effectively! He made sure I was informed and continuously kept me up to date to ensure I was properly in the loop.

Steve ** did a great job of walking me through the different options available! Even though I didn’t end up moving forward, Steve was exceptional in making sure I understood every possible detail! He was always professional and worked with me even though I had my doubts.! I would recommend him to anyone.

Jacob was very responsive and attentive to all our needs and questions via email, phone or text. Never skipped a beat. Will definitely refer him to others. Super easy process every step of the way. Answered all questions quickly. No issues. Was upfront the entire process.

Miles was more than what we expected during our refinance. He not only was readily available to answer all of our questions, but was diligent in making sure that we were taken care of during every step of the process. We had previously been using another company and we're a bit hesitant in the transition, but Miles gained our trust and we will continue to trust him with our financial loan needs in the future. You have a REAL one in your company Lower.

I had no idea how the purchase process worked. Ben ** explained how my credit score and income would come into play when I decide to buy a home. I feel much better after talking with Ben. He's a great Loan Advisor!

Ben ** was professional when helping us through the refinance process. He was very thorough, timely, and most importantly knowledgeable. Ben was easy to get ahold of all when we needed his assistance. We would definitely recommend Ben to our friends.

Very easy to work with and explained everything. Paige and Jordan were very helpful all the way through. I would highly recommend Lower.com. They even came to the house to make it easier at closing and didn’t miss any work. Thanks Matt

The team at Lower was timely, professional and caring. Geza ** and his team exceeded expectations. Highly recommend. I started my mortgage with another lender, but changed for the better rate and service. The communications from Lower were on point and informative. Again, if you want an easy and professional service, go with Lower and Geza.

Great closing experience, competitive rates, discounts applied up until the day of closing. I will certainly consider using again in the future! Thanks for being available at the drop of a hat on the night of closing, it was greatly appreciated!

We had a great experience with Lower and our loan advisor Adam **. So easy and such a smooth process to close our loan. Couldn't have went any smoother. We looked at several other companies but glad that we chose Lower.

Miles ** helped me to get pre-qualified with my mortgage and he had a lot of tips for a first time home buyer to which I would have never thought of. I would highly recommend anyone looking to buy a home to reach out to him and his team and Lower. You can tell he has a lot of passion for his job and that he truly cares for his clients.

We worked with Joseph ** for our refinance. This was the easiest process I have ever had with my house. Everyone was quick and helpful. I will use them again any time I can. This also was the fastest process I have had.

When we moved down the block a few years ago, our Lower.com loan officer made our purchase a smooth, efficient, painless process; and the loan rate was extremely competitive. We are grateful to Lower for enabling us to lock in a rate, close in a swift timeframe, and enjoy a low interest rate for the duration of our loan.

We had the pleasure of working with Brianne ** in our home buying process. She was very knowledgeable of all the ins and outs of the types of loans, as well as very easy to ask questions to. We really appreciated her communication throughout our process. Brianne really went the extra mile to make sure we got the home of our dreams. All while providing us low rates and a closing date met efficiently and effectively. Thanks Brianne ** for all of your help. Because of you I will be recommending Lower to others! Thank you!!!

I wanted to apply for a HELOC while the market is hot in Columbus, Ohio and Kyle helped the process seem easy & painless. Him and Lower were able to give me the very best rate + money amount than any other lender! If I ever need a refi, etc. I will definitely be returning to use them.

Miles ** has been great to work with not just with our purchase but with equity options well past the time of our purchase. His knowledge and experience is why he’s our go-to mortgage guy. Keep doing what you do Miles!

Morgan ** was great to work with! He was available to answer all my questions! We had some hiccups and he helped work through everything. I will definitely recommend him! I look forward to the next 6 months in hopefully refinancing and getting a lower interest rate.

Darwin was very helpful in guiding us in thr best path to take for our needs. He is personable, professional, and keeps in contact throughout the process. We are looking forward to finally be able to perform the repairs and remodeling needed in our home. Thank you, Darwin!

The whole process was much easier and faster than I had expected - we closed in 20 days! They assigned a Loan Advisor, Sam **, that was available every step of the way and answered every question I had. I really liked the personal attention that Sam gave to me and how I could reach out to him at any time. He always kept me informed of where we were in the process and kept in contact with me the whole time. Lower.com and Sam seem to genuinely care about providing exceptional service.

We just used LOWER for a cash-out refinance on our home. I was pleasantly surprised how quick and easy this process was from start to finish. Our main point of contact was Kyle **. Kyle walked us through the entire process and was with us to the very end. Kyle is extremely knowledgeable and was very quick to answer our questions, get additional information when needed, he has a great sense of urgency and would definitely recommend working with him. I hope to be working with LOWER for any future loan/mortgage needs. Thanks, Kyle and team!

Mike ** went the extra mile when we talked about doing a cash-out refinance. From the moment I first talked to him I knew he cared. He took his time to explain everything and made me comfortable and confident that I was making the right decision. I will forever be thankful for the knowledge and professionalism he displayed to me. Lower should be very proud that they have a loan officer like him. I talked to 5 or 6 different lenders before making my decision and after listening to all them, there was no question that I was going with Mike. The other lenders just listed off numbers instead of listening to my unique situation. Mike will forever have my business and everyone I know looking to purchase or refinance will be referred over to the best, Mike **.

Great experience with Matt. He went above and beyond to help us. He experience and knowledge was very helpful. Matt is an asset to your company. He was dedicated to help my wife and I thru the entire process. Matt was pleasantly, friendly, and really enjoyed the time talking to us.

Matthew ** made the home buying process super easy and stress free! He helped us make sure we stayed within our budget and get the best bang for our buck! He hooked us up with a great rate and made sure we were taken care of.

I had the pleasure of working with Jordan ** for my refinance. I enjoyed working with Jordan because he provided facts and easy to understand explanations to help me set my expectations and understand costs. Jordan took the time to go through offers I received from other lenders and showed me exactly why Lower.com was better and why. He was always available to answer any questions I had and explained things so that I could understand. Overall, this has been an easy, fast and enjoyable experience.

Brendan provided courteous assistance, provided updates every step of the way and his communication response time was second to none. With his expertise and diligence, he was able to secure our loan as promised that met all our expectations. We look forward to working with him once again in the near future. Thank you!

Arianna ** was awesome, she definitely went above and beyond to help my brother and I with a loan. She made the process painless. She was just a pleasure to work with. Very happy that we went with her and lower. Definitely will be working with her in the near future.

Adam was great; he quickly replied to all my questions. He is very knowledgeable and professional! Lower made the whole process very easy to go through and understand. I would recommend this company to anyone looking to refinance their home.

Working with Dan was simple and seamless. Details were taken care of, process was fast and stress free. Dan worked hard so we could close early, which was amazing! What a positive experience. I would choose Lower.com again and definitely recommend.

Morgan ** was so helpful in this process. He was very responsive and quickly got the job done! He was very informative and helped even after the process. So thankful for him and his team over at Lower! Looking forward to working with him further.

We have experienced numerous interactions with Kacy R ** (loan officer and then the assistant Vice President of lending and sales) and lower.com. All of the feedback and the experiences have been marvelous, professional, timely and most satisfactory. Kacy ** was great and a great communicator all along the way. We recommend Kacy and Lower over any other lender we have used.

I highly recommend Kacy ** from Lower.com as a loan advisor. He was always quick to respond and answer questions. He made the process run smoothly and efficiently. He was personable and had great communication with us throughout the process.

Robert was excellent to work with. I highly recommend him as a professional and would work with him again. He went above and beyond to make sure I had all requirements fulfilled on time and was patient while I gathered the appropriate required documents. He followed up with me countless times and really made me feel like a priority.

Ben was an absolute pleasure to speak with and very knowledgeable of the products. I really appreciated his help and thoughtfulness! Even though I didn’t qualify at the time, I will absolutely come back later or recommend Lower to my friends and family.

Aldair was very helpful. He was quick to answer questions in a way that I could understand. He responded to calls and emails quickly as well. It was a great experience to work with Aldair and I highly recommend him.

I was purchasing my first home, and Ben helped me through every step of the process. I felt he and the team were in complete control, they notified me when action was needed, and kept me comfortable when the inevitable challenges arose. He’s very knowledgeable and very friendly, and I highly recommend giving Ben a call. I’m very happy to have worked with him.

Warren was extremely helpful. I tried to Refi last year and details were overlooked in another department, and it didn't go through. Warren promised me if I came back to him to try this again he would see to it that we had no issues. He was amazing through the entire process and I'm forever grateful. This man is stellar!