Lower Arvostelua 

Dane Shirley was amazing!! He made everything super easy and stress free from start to finish. I truly enjoyed working with all of the Lower team

My loan was completed from start to finish in 2 weeks. All questions were handled immediately. The rates are great. I was really impressed with Dane and his team. Couldn't ask for better service and knowledge.

Joshua Morris is a pleasure to work with. He assisted me during the original home loan. I was pleased with the first experience I contacted him when rates dropped and was ready to refi. He was there every step of the way! Highly recommend 10/10.

The process was very smoot and Connor Murrell kept me informed throughout the process. He was very responsive.

Brandi Martin very personable and did a great job for us, a few delays that where out of her hands, but she stay on top of things and got everything handled. I would definitely recommend her for your loan needs.

Connor and Drew were excellent to work with. Extremely communicative and very efficient - what more can you ask for from your lender!!!

This is the third time using Lower and will continue to do so in the future. I very much appreciate the professionalism and dedication to their clients with their clear communication during the entire process. I worked with Sam Berman and he answered every question in a quick and timely fashion. Sam was a dream to work with and I am grateful for all his help and advice. Highly recommend both Sam and Lower.

Chance Walton and his team made our home financing experience flawless. He delivered on every commitment, kept us informed at every stage, and somehow made the process feel almost effortless. Our realtor—who has 25 years in the business—called Chance the best mortgage broker she’s ever worked with, and we couldn’t agree more."

I met Josh some time back when I was considering selling my home and needless to say we decided not to sell at that time. I reached back out to Josh several months later (recently) to explore other options that might me available to me in this tough economy. He responded almost immediately and gave me a few options off the top of his head but advised that he'd review some things and call me back. That return call started with some ugly truths but ended with us CLOSING on a refinance in LESS than the original 30 days we had previously discussed. Josh & his team was EXCEPTIONAL they left no stones unturned in getting us to the FINISH LINE!!!!

We had a great experience with Joe Costello he kept me in the loop even while overcoming hurdles and always returned calls and emails quickly even late at night

Overall great service from Andrew Benjamin. Quick processing time, underwriters didn't ask for the same thing over and over, constant communication.

Connor did a great job helping me obtain a new HELOC that was a great deal and smooth and easy closing process.

I had a great experience working with Lower. Chance Walton was awesome, and extremely responsive. He even replied late into the evening when I did not expect a response. He explained everything in detail, and we were able to close very quickly. I highly recommend.

I had a great experience working with Andrew Benjamin from Lower. We worked out a great refinance I was looking for and he made the whole process easy from start to finish. I would certainly return to Lower again if I have any mortgage needs in the future.

Abigail was such a big help in setting everything up for me she made the whole process so simple five stars keep her and you

I would not recommend this company to my worst enemy. They have been an absolute nightmare to deal with. I got set up with a competent person named Jay that asked me for a bunch of documents and then just ghosted me. Talk to and was promised by three others that they would look into my file and they never did the company just steals your information. Do not trust or fall for their false advertising and save yourself some time and go with a reputable company with competent loan officers

Thanks Andrew. You were very helpful throughout the entire process.

I've dealt with a slew of mortgage Brokers, and Nick was by far the very best. Instant communication and transparency is key in my world, and Nick was always one step ahead of me.

Bravo, Nick keep doing what you are doing!

I was extremely skeptical about doing a refinance because of the interest rates and a 1200 dollar increase in my mortgage obligation. Mr. Saleh was patient, thorough and professional in explaining how beneficial refinancing would be to our financial situation! We appreciated his candor and his assistance with the process and look forward to working with him in the future!! Mr.&Mrs D.Jones

Sam Berman was the loan advisor and he is absolutely the most honest and ethical loan advisor that we have ever spoken with. Sam did everything he possibly could to get us the loan that we needed. Unfortunately we weren’t able to close the deal with Lower but, that was due to no fault of his. We get it… At the end of the day these are employees that are working for an employer and they are limited to what the boss says they can do. However having an employee that cares enough to take the time and do the work necessary to even try when it’s not a guaranteed deal makes a difference.

We knew what we wanted and couldn’t settle for much different than that. Sam looked at all options and went above and beyond trying to make what Lower had to offer work for us. What really stood out was his willingness to try everything in his power and he made us feel that we were important. He never came across like the others who insisted that we needed to do a complete refinance and that we were wasting their time. Sam is a good human with strong morals and values which was not our experience with mortgage salespeople. Most salespeople no matter what their industry are so busy chasing that dollar that they forget that they are dealing with people. But especially true in the mortgage finance industry is that they are directly involved in the largest investment most people ever make in their entire lives. Sam Berman is an exception to the stereotypes we all have experienced with sales. If anyone is looking for mortgage financing we would absolutely share Sam Berman’s contact information with them.

We went with another lender but we were saddened that Sam was not apart of this once in a lifetime opportunity that we have. We both hope Lower knows what a rockstar they have and what an asset Sam Berman is to them.