Lower Arvostelua 

Working with Nico was so easy and smooth. He was sooooo patient and informative the whole way. Answering any questions I had and making any changes I asked for. He made the whole process painless and worthwhile. I would highly recommend Lower (and Nico) and will for sure use them again if needed.

Nick makes the process smooth from start to finish and is quick to respond to any questions you have. I have refinanced with Lower twice now and would gladly recommend Nick to anyone .

Unsolicited cold calls even though I am on the Federal Do Not call registry. Would never do business with a company that doesn't understand that doing this is a violation of law and my privacy.

I cannot say enough good things about my experience with this lender. From start to finish, they were knowledgeable, patient, and extremely responsive. They took the time to explain all of my options and ensured I felt confident in every decision. I truly appreciate their professionalism and dedication and would absolutely work with them again. Thank you!!!

A week into the process, we receive an email that we need to sign new disclosures. No conversation or email what this is about. We log in to review the new disclosures, and in the small print, we see that Nico has included that our FICO score dropped and they need .75% point because of it. Which is ridiculous because our scores have actually gone up. After reviewing the form, he took $5,000 out of our escrow account and put it in the origination column. Then I questioned him about it and he said he didn't know anything about it. He is a liar. I told him to close the file and want the appraisal we had to pay for.

Mason and Sam were absolutely incredible and diligent in there efforts to push my refinance all the way to the finish line despite my current mortgage company gumming up the works as much as possible. These guys really made it happen! Couldn’t recommend them more!

Working with Joe on our refinance was a Godsend. He was with us through every step of the process and tolerated all of or questions and concerns.

Amazing! Landon and his team made the process easy and stress free from start to finish

I had a fantastic experience working with Owen Dysart. His communication was outstanding, consistently keeping me updated on the progress of the file. My client was very pleased with his approach, as Owen made the entire process clear and easy to navigate. I highly recommend him for anyone looking for a smooth and efficient experience!

The consistent and regular communication with Lower throughout the loan process made me feel at ease. I NEVER wondered "What's going on?" Anna is very compassionate, always willing to answer questions, and if necessary, get to the bottom of something.
I'll refinance again if/when rates dictate...partially because Lower makes it so easy and comfortable to do.

I am an older woman raising a young child, I was making a cross-country move in the beginning of December. The cards were not exactly in my favor, but with Jack Tomlinson at the helm, the procession was SO smooth. He was available at all times, even with the holidays going on. It was my first home purchase and he just kept giving me the right answers and help. Massive kudos going to Jack and his team at Lower.com.

Conner Murrel should be made president of your company. He went beyond the call of duty in responding to my needs and wishes. I am a klutz as far as far as online technology is concerned. Conner bent over backwards to help me. Connor’s patients with me was extraordinary.

Casey Granston and his team are the BEST of the BEST! Process was super-efficient, they kept me on track with what needed to get completed, and everyone's communication was thorough and very responsive. The experience was nothing, but positive. 5-stars and will definitely use them for any mortgage needs!

My husband and I were in a scary position of leaving our home of over 15 years. Blair, Tom, Adam and team ALL made us feel like they cared about US! We couldn’t have asked for more compassionate and reliable ppl. I wish we could work with them all the time for other matters in life. Things would run smooth as butter with this team at the front! Thank you all so much!

Dylan Fields was amazing to work with and helped me through my entire process. I would recommend him to anyone and look forward to working with him in the future. I don't think I could've had a better experience buying my first home.

A mortgage process is daunting. Lower makes the process so much easier because they know exactly what is needed and when. They really partner with you to make it happen. We highly recommend.

first off, a young inexperienced loan officer named Mason, misquoted me by several hundred dollars on the appraisal, saying our loan was solid, so I agreed to order appraisal..and then saw it was $700...not $500, and after all that, we get denied. He promised the moon but cant deliver squat. Underwriters also are not very knowledgeable there in Ohio...kept asking for forms that were right in front of them...DO NOT RECOMMEND...at least, don't use this guy

Great lending experience with Doug Jacobson. Would recommend his service in the PNW area!

Amazing Experience with Lower!

I recently applied for a loan through Lower, and I couldn't be more pleased with the process! From start to finish, everything was seamless and user-friendly.

Uppermost, I use ProofOfStatement AI bank statement. This feature made it incredibly easy to verify my income and financial status, significantly speeding up my approval process. With just a few clicks, I was able to upload my bank statements securely, and I received my loan approval promptly.

The customer service team was also fantastic—super helpful and knowledgeable, ready to answer all my questions. They truly care about their clients and ensure that the experience is as smooth as possible.

If you’re looking for a hassle-free loan experience, I highly recommend using Lower and utilizing ProofOfStatement ai for proof of funds. It made all the difference for me! Thank you, Lower, for your exceptional service!

Shawn Baird is amazing! Always available! And great to work with!