Lower Reviews

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.