Lower Reviews

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.

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!

Called Aldair many times with questions, he was always patient, kind, and available even on the Saturday we were closing. I would recommend Lower.com and Aldair. Great Service and will use them again. I got a better rate than expected.

I had a great experience refinancing with Lower. The process was easy from start to finish and we were able to lock in an incredible rate. I would definitely recommend Lower to anyone looking for a refi.

The first time we had a great experience and the second time was also amazing, it was actually even faster, thank you Tyler **. A true professional and your expertise helped us in making the right decision and getting a very good rate. We highly recommend Tyler and his team. Thank you,.

JT went above and beyond to help us with our loan process! Super knowledgeable and helpful in every aspect of what would have been a stressful situation. Helped to make the process very quick and understandable! Even after the process JT went out of his way to assist us with other questions.

I would absolutely recommend Lower.com for anyone looking to refinance. Within minutes of filling out an online inquiry, Liam reached out to see how he could help. The process was quick and easy. Liam made sure that I understood the entire process and was always available to respond to emails and phone calls in a timely manner. Liam was professional and always had a great attitude.

Calvin and Lower took all the stress out of my home buying. He was in constant contact, providing every answer and guiding me quickly towards the finish line. From start to finish…A wonderful experience by he and his people. Great guy, great company!

I am on day 80 I believe and still no closing. I was approved and all due diligence has been done for 30 days at least ago. I have to reach out to them as they have gotten silent. Nervous about whether this is real.

Nik was extremely knowledgeable and accessible throughout our new home purchase in FL and the refi of our primary home in Ohio. He answered all of our questions and assisted with the loan processing and closing team at Lower. Both loans closed on time and were funded as contracted.

Wonderful experience working with Lower and Jacob ** throughout my refinance process. Super easy communication and support along the way! Jacob was always a quick text away with the answer to our questions and was a great guide through the usually overwhelming financing process.

Eric ** was very responsive, attentive to detail, and a pleasure to work with throughout the process. Midway through our HELOC process they got swamped with business and Eric time and time again helped push it through the process and delivered updates and great customer service. Thank you!!

Tyler ** helped me understand my options when prequalifying me for a Mortgage. He knew every answer to my questions and is patient with me so I can find the right house. I highly recommend Tyler to anybody looking for a mortgage.

I was a bit hesitant as Lower was suggested by CreditKarma. However, Eric was just fantastic, listened to our financial goals and was able to develop a custom plan for us that was indeed life changing. Eric was always available and responsive throughout the entire process, which made the experience even better. Highly recommend it.

The entire experience with Lower.com and especially with Morgan ** was excellent and a pleasantly good surprise with a larger mortgage company. I have taken out and/or refinanced a total of 8 mortgages, most of them using smaller brokers/companies (i.e. credit unions, local banks), and I got the same level of personalized attention from Morgan ** that I received from the smaller banks. 10/10 would absolutely recommend!

We were so happy with our refi with Lower. We even closed a week before the original estimated date. Rob was great to work with. He patiently listened to and answered all of our questions. He was available by phone or text throughout the process and made us feel at ease.

Nick ** was awesome. I didn’t have enough equity in my house to do a HELOC but I will use him for any future financing! I will recommend him to any of my friends or family who are looking to get a new mortgage on their home!

Ms. ** has been nothing but helpful since I contacted Lower about a HELOC. She has answered every question I have had within an hour of me asking, whether by text or email. Extremely pleasant to talk to and more than willing to help, she is someone I would recommend to anyone trying to do anything with their mortgage or equity. Thank you so very much for all of your continued help!

I was interested in learning about an equity line of credit Meagan was so helpful in filling me in about all the advantages of your program. After careful consideration, I decided at this time to not follow through with it. And Meagan was so understanding. No pressure sales. I really appreciate that.

The process was a little overwhelming but our Loan Officer kept everything in check. Communication was always open with him whether it was direct phone calls or email correspondence...Very attentive to make sure all documentation was in order.

Tyler ** was my loan officer who helped me purchase my first home. We closed in 22 days and I could not be happier working with him. He was always available to answer any questions I had and responded quickly which was important to me.

Warren was a joy to work with! He communicated with me regularly and kept me apprised of any updates. When there was an issue with the title company, he handled it expertly and minimized to me the impact of their incompetence. I'd heartily recommend Warren to anyone seeking a mortgage to refinance.

Warren ** handled a Mortgage Refinance on our home a couple of years ago. This transaction would have been very overwhelming if it hadn't been for Mr. **'s expertise and patience as we navigated through the process. He checked back often with us as he said he would to follow through in a respectful and competent manner. We were very pleased to say that our Mortgage refinance went smoothly and professionally because of Warren **. We would recommend him to anyone pursuing buying a new home or a refinance. He was tops!

Warren ** was great to work with. Very knowledgeable of the process and kept me informed as the refi progressed. I would definitely recommend him and Lower.com for any home loan or refinance. I would not hesitate to use Warren and Lower again.

I highly recommend Sam **, my loan officer, who helped make the seemingly impossible possible. He was there throughout the process, and even helped recertify my property for FHA. He was fantastic and the whole experience was smooth. When other lenders dismissed me due to FHA status or credit score, Sam worked with me to get my score where it needed to be, and re-certify my property with FHA.

Kyle made the experience smooth and easy. I highly recommend him as a resource when buying/refinancing. He was always available when I had questions. I couldn’t be happier with the way that things turned out. 10 out of 10 would recommend.

Kyle helped my husband and I buy our first home. He made the process quick and easy for us. He also was very helpful in answering any questions we had and explaining in a way that we understood. I would highly recommend him!

Kyle is neat. He did a neat job with my refinance. He got me a lot of neat cash and kept my interest rate and monthly mortgage payment low. I can’t wait to do another refinance. Thanks Kyle, you’re neat!

Warren is a great loan officer, he is very professional, friendly, and knowledgeable. He ususlly has the answers, but if he doesn’t, he finds the answer and gets back to you asap. I would recommend him highly to anyone. 10 out of 10.

I purchased and refinanced my home through Liam ** at Lower.com and could not have asked for a better experience! Liam took the best care of us, communicated through every step and was so on top of things. I can’t thank you enough and would highly recommend to a friend or family member!

Mike ** was the reason why I went with Lower. All these other lenders will say they offer the best customer service but never return calls or texts or emails. Mike’s customer service is top notch. Mike changed the way I feel about Mortgage lenders. His responsiveness was excellent and his knowledge about mortgages really gave me confidence in knowing I’m making the right decision. He made me feel like family and I will forever be thankful for him. I will never work with another lender again, Lower.com has earned my business for life and Mike will be my go to guy for all my mortgage needs.

I was happy with the rates and terms at Lower. It was the best that I got, considering I was trying to refinance, plus also take out equity. The rep that I worked with was also really helpful. The only thing that was really disappointing was before I even had to make my first payment, they'd already sold the company and that was a headache because we went through several weeks of trying to figure out whom we would pay and when we would pay it. My loan number changed three times. It was very frustrating.

Lower seemed to be the best value for us. I dealt with a mortgage representative for a few weeks. And customer service, specifically, only when we were doing our appraisals. He led the whole thing. He would liaise for us between any of the people that we needed to talk to. So, it went very smoothly. The rate bumped up a bit, but that's because we took some money out. So, we had a bunch of equity in the house. We took a bit more money out. We were able to do some remodeling with that. So, it was expected. It was the best rate that I got out of all of the options that I got from the mortgage thing I originally went to. There were a couple of things that went not so good. One thing was Lower had quoted us for the appraisal, and when the appraisal ended up coming back, it was higher than what they had quoted us. But I ended up talking them into giving it to us for the quoted price. But that was the only hassle that I had.

Lower had a very easy and simple online platform that made sense. The guy I was working with was easy to work with. He did his job and he was very friendly. The application process was a lot easier than I had had in the past with trying to email documents back and forth and having to wait to see if it was the right one. I had to slow the process down a couple of times because I had to get the timing right with different things that were going on. It took about 45 days, but that was because it was me. It could have happened faster. Overall, working with Lower was very easy and simple and allowed me to get the money I needed when I needed it.

I reached out to Lower and I got a callback. I had a great conversation and felt comfortable with Noah. He went the extra mile and gave me more confidence to go with them. I wasn't really familiar with the industry but Noah educated me about it and gave me the confidence to know what to do, what to expect, when things are going to be processed, and how it's going to work. It went through exactly how he said. Everything was great, and I was very happy.

Lower's rates were good. There was a little bit of a delay with the process because of some of my income, but aside from that, it went fairly smoothly. My representative was one of the best parts of the experience. We got past the formalities of "business talk" and communicated on real terms. So, that was good. The only thing is I know it's customary for some companies to sell the loan off to other mortgagers after you initially do the whole thing. So, Lower processed the loan, sold it off to somebody else for about three months, and then it came back to Lower. Overall, Lower is a good company to work for if you're looking for a mortgage.

When I talked to Lower, they said, "Look, your interest rate's gonna go up, but you're not going to have that insurance." So, I said, "Maybe I should do it," and I did. They were quick and really good. They had somebody come to my house and she closed me out. I gave her a canceled check then to set up my direct withdrawal for my payments. When it went in and they went through the whole process, they said, "Well, you need to set up your direct payments online." So, I did. I started having two payments coming out each month. That wasn't good. So, they fixed it. Then, they didn't pay my house insurance and I kept calling. I ended up paying it myself because they ended up sending me a check directly instead of paying it to the insurance place. Everything's been resolved. Would I recommend them? Yes. Everybody has a hiccup. Everybody's trying to do the best they can right now. Their website is pretty friendly and I can pull stuff.

It was a very easy experience with Lower. The process was done online. Everything was user-friendly. The online application had a place to upload all of my documents. I was able to take pictures with my phone and upload documents directly online. Everything took approximately six weeks. The rep I worked with was very friendly. He stayed in constant contact with me, answered all of my questions, was very responsive to all of my needs, sent me information and complete instructions, and then reached out.

Their rate was good. I worked with Jake. He was professional and he followed up. There was one mismatch, but Lower took care of it. I was pretty happy about it.

My rep was really good. We didn't have any problem contacting him and he called me back. He was very competent with his work and he knew exactly what he was doing. He answered my questions. The process was okay and they sold my loan right away. But I quite didn't understand as far as my home equity line of credit goes on how much money I was getting. I'm still owed some more money off that. I didn't have a chance to get back with them concerning the HELOC but I understood the rates and everything.

Sunny, the rep, was a great communicator. My husband and I were going to do the loan but we decided to get divorced and Sunny was incredible with rolling with it and making sure we had everything we needed. we got so caught up with switching from a joint loan to just me. it was going to be a VA loan and then we switched to a USDA loan. But when it came time to closing and having everything ready, we closed on time. Everything was prepared.

The rep from Lower was great. I did two mortgages with him and the second time around was easy. I knew the process and I kept a file on the last time so the application process probably only took 20 minutes. The refinancing happened very quickly, which took two and a half weeks from beginning to end. It was amazing.

The rep from Lower was great. He was diligent and wanted to get this done. He tried to help me and did a good job. I was happy with him.

Nate, the rep, walked me through everything. He kept telling me not to worry and that we got this. He didn't mind me calling every other day and he was very patient. The application process was wonderful and my down payment was only less than 2,000. He got me so many breaks and deals. Lower.com was the best. I would recommend to anybody that wanted to go for a loan for a house to go with them. Everything was so great. Lower gave me the best Realtor and she did the best for me. She showed me so many houses. Lower should get more people like Nate. They need people that can hold hands, like he did mine. If they hire more people like him, then they are all gonna even go farther.

The process was good but the ending experience was terrible. When the lawyer came in, we signed all the paperwork to get refinance. He was real quick with getting through the paperwork. There were many questions I didn't know to ask. Then, when I got ready to make my first payment the following month I took $20,000 out in a home equity loan and it ended up being $64,200.

The reps were great. Every time I text, they'd answer. They were really good at keeping up with everything. The application process was all done on the internet and it was pretty self-explanatory stuff. If I had any questions, I just hit up the guy that was helping me. The rates and terms are good. I went up a little bit but I didn't care because I needed the money to build on my house.

I had a great experience with them. I had a good relationship with the loan officer I worked with. The rate I got was a little higher than what I wanted as I refinanced one of the homes and we were at 2.875. Because we got cash out, we had to adjust to a 4.6. I would have liked for that to be a lot closer to the 2.875 but we ended up with another property in the process of refinancing.

I loved my rep. He was always there for me and always called me back. Any questions I had, he was there to answer them. If I had trouble uploading documents, he was there to walk me through it.

They had low advertised rates and they were extremely nice. The reps stayed in constant contact. The rate was good and some of the closing costs were a bit higher, but that's alright. At the start, they were taking an escrow account for insurance and taxes, and it wasn't needed. I asked them to remove it and it didn't get removed. Finally, they got it removed from the monthly payment, but they still haven't refunded the amount of escrow that's in there. They should make sure that everything is perfect before the closing table.

Working with them was seamless. The transactions went very smoothly. The email correspondence and signing system that they use is very convenient. We did a cash-out refinance and they coordinated the notary to come to us. We didn't have to go anywhere. Everything else was done online. The associate that we dealt with, Tyler, was very knowledgeable and helpful. He consistently followed up. It was great customer service.

I did a mortgage and a HELOC and I did not like it at all. They weren't upfront about what they were doing with the structure of the mortgage and the HELOC. So now, my mortgage payment is higher than it was. I know the interest rate went up but it was higher than they told me. And it took absolutely forever, from the time I contacted them to close. At first, they were really open on the phone and they seemed like they would be good with customer service. But throughout the process, they got harder and harder to get in touch with.

It was an extremely smooth experience from the day I had my first phone call until the end of the process. They were able to get me a very good mortgage in terms of the rate. Based on today's market, the rate was very competitive, and the loan-to-value ratio was very high. Plus, the communication was very good all the way through. My rep Steve explained the whole process to me. He made sure that I got a good loan even in the middle of the process when there was a misunderstanding where they were supposed to charge me a certain fee that they hadn't disclosed in the beginning. Steve made sure that they did not end up charging that fee to me. I saved a substantial sum because of that. He made sure that I had all of the documents ready at the right time and reassured me that things were going to work out.

I liked them enought that I refinanced two houses with them. The rep was really good and communication was great. They were willing to work with me on my credit problem. The rate and terms were great too.

I had a good experience with them. The process was very smooth. I've dealt with banks and mortgage companies and I was expecting more of a kabuki dance. Lower was very streamlined and all the persons I worked with were very responsive. I would do business with them again.