LowerBewertungen 

Josh Morris was my rep. He is genuinely kind and with a willingness to help answer any questions I had. Would definitely recommend Lower

Owen Dysart was my rep and got me through every step of the process! He answered any questions I had in a very timely manner. I felt he genuinely cared about me and not just as a client. I would recommend Owen and Lower very highly!

Owen Dysert and his entire team were amazing!

We had a situation with an uncooperative taxing body where the tax certifications and municipal lien letters weren't received until mere hours before closing. Owen, Michaelene, Sonja and Jessica all jumped into an All hands on deck situation, got the final clear to close, balanced with us for final numbers and we were still able to make it to the closing table with plenty of time. We ended up with very happy buyers, sellers and agents!

I just completed a VA refinance with lower.com and had the most positive experience with the process. I worked with Sam Berman who gave me a great rate, was knowledgeable about the VA process and made the entire experience go very smooth, quickly and without any complications.

Our loan officer Shawn really helped us out. We had a challenging situation that he was able to navigate and get our loan closed. Really appreciate his responsiveness to my many questions and concerns. Wish he could get the underwriters to do the same. In any event, when we refinance in a couple years, we will be looking to go through Shawn and Lower again.

My loan originator, Sean O’Neil, is kind, upbeat, patient, and very considerate of an old lady with minimal computer skills. He is keeping me aware of every step being taken to help me secure this loan and directs me patiently in areas I need more assistance.

Nick, was amazing assisting us with our refinance. He was able to save us some money and kept the process moving. We were able to close much quicker than expected due to his work. We look forward to working with him again in the future.

In June of 2024 we applied for a heloc. Within a day my husband had all of the required paperwork email to our agent along with the appraisal for our home. A few days had passed with no word from our agent. When he did respond he told us he was in another country for a family matter and was having issues with our account and needed help on it. We received a call from another agent who also had issues with our account. After about 2 weeks of not hearing from anyone we received a call while on vacation saying that there was a new agent and our previous had been fired because he had multiple complaints from clients. After the initial phone call saying he was taking over, we did not hear a word. No responses to email, text or calls. We sent an email asking for our appraisal fee back and finally received a call. Our agent told us he was informed by his manager not to return our calls or contact us at all. He then said the company was doing “all they could” to expedite our case to get it completed as soon as possible. That was in the middle of august. We have been sent multiple papers to fill it and sign and we sent them back immediately. And then the waiting begins again. We were told about every other day that it was almost completed and we would have our heloc soon. The past week no calls, texts or emails have been returned to us. Again. We contacted customer service with little result. Finally, today October 16,2024, we heard back that we were denied because of credit reasons. Which our scores were well above average before this process started. We were also given excuses that our agent was having “phone issues” and was not able to make calls and when he was able to he just got voicemail. This company is a joke. They have ruined our credit. Lied to us over and over again. Will not refund our money that we paid to them for doing nothing.

I think everyone should try it

Nick worked his tail off for us and found a program that made the most sense for us. He explained everything along the way and was always available for questions. I am a very detail oriented person and Nick gladly answered every single one of my “in the weeds” questions. Nick and his entire team were very responsive and seemed to always be available! I would highly recommend Nick and his team. We could not be happier!

Beyond pleased
Josh was the best ever, he made my home buying journey one to remember he walked me through the process and assured me I had nothing to worry about and he lived up to it all, I look forward to recommending Lower to every future buyer

Very persistent on making sure you had your needs and everything else correct very good with information and they were very helpful

Nicholas Caravana is the utmost professional and will be handling all my loan needs going forward.

I had an outstanding experience with Lower. Their team was incredibly professional and responsive, making the entire lending process smooth and stress-free. They went above and beyond to secure my best terms, and I couldn’t be happier with the service. Highly recommended!

Matthew Mikel 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 thru out. If you are looking for a mortgage or HELOC give Matthew the chance

The loan advisor did his best to get me the type of loan that I was looking for. He stayed in contact during the process of the loan and was easy to deal with.

The team at Lower, is outstanding! I have to specifically point out Connor Murrell, right from the start his professionalism and his personable approach made this transaction just about seamless. Our situation was not the most simplistic but at the end of the day we received final approval and closed with in 25 days from initiation. I will recommend Lower.com to my future customers and clients. Much appreciated!

I worked with Nick Caravana at Lower.com to do a refinance on my home. Nick was very helpful, quick to respond to any questions I had and and worked to get me the best results possible. Thank you Nick for the easy process!

I went through the refi process to leverage some equity and the entire process was much easier than I was expecting. All the way through funding, things went according to plan and the communication was prompt at each step. I would highly recommend Nick Caravana! He’s terrific, but he’s also supported by supported by a great company and team. This will be my go-to for any future mortgage and refi needs.

Kortney Keith was amazing to work with! He never made me feel like he was just trying to make the deal. I felt he had my best interest during the entire process. Communication was great and always on the ball. If you are looking for a home I highly recommend giving Kortney a call!