Lower Arvostelua 

I don’t usually write reviews but this guys did right by us. Sam Berman went out of his way including answering the phone when he wasn’t even working that day. He walked us through the process as it was our first experience and he really made it easy. Thank you guys.

Jake was great to work with and helped make everything as easy as could be.

Worked with Samay Pahouja on my loan for my first home. He was excellent and on top of everything for a smooth process.

I have used Lower 3 times and all 3 times has been a great and easy experience. This last time I worked with Connor, he was very professional, kept me update on everything, and worked hard to make sure we got what we were looking for. It was such a pleasure to work with him. Thank you!

The whole process was very simple and easy from start to finish. They were able to get me exactly what I wanted. Questions i had were awnsered almost immediately with a great explanation.

We recently closed a HELOC on an investment property through Lower.com, and the entire experience was smooth and hassle-free. Sam Berman, our loan originator, was outstanding from start to finish. He was knowledgeable, responsive, and proactive in addressing all our questions.

The process was straightforward with no surprises, delays, or issues. As real estate investors, we value efficiency and clear communication—and Sam delivered on both fronts. We would absolutely work with him and the Lower.com team again. Highly recommend!

Josh has been great thru the entire experience but the settlement company has been very unprofessional from the start. The worst was my taxes. I sent my paid taxes to them and said that my tax authority came back with a lesser amount. What company takes that as correct amount? They were wrong! I was right!

Sam Berman and the Lower team were amazing to work with! The process was seamless for the start to the end, and still continues to be great afterwards! I highly recommend their services as they are punctual, personal, and reliable!

John Christian at Lower was amazing. We had a very complex refinance and John made it happen. We have a small business, it was a converting construction loan AND it was a jumbo loan. All three of these things presented huge hurdles on their own but John made them all happen regardless. John was also great with communication along the way which helped reduce the stress further. We would definitely recommend John and Lower to our friends and family.

Andrew stayed on top of the details thru close

Sean and his team at Lower were so easy to work with. I talked to many lenders and he had the lowest rate and costs. Not only was it the best deal for my situation, but he was able to help us out when things got tough and make the loan smooth stress-free and get us to the closing table. This is my second time using Sean and his team, both times everything worked out better than expected. I can seriously say Sean O'Neil is the reason I closed on my home. I’d recommend to anybody!

Sean O’Neal did a great job explaining everything very thoroughly! I would recommend to anyone needing to refinance!

Hanna worked all hours for us to get us approved for our loan and a bridge loan that required a lot of cross documents and communication. She was available 24/7 and was professional and friendly. She’s a pro.

We had the pleasure of working with Owen Dysart on our loan for our home. As first time homebuyers we had a lot of questions, but Owen was always helpful, patient, knowledgeable and professional. Everything related to our loan was ahead of schedule and we closed with no issues by our scheduled closing date. He made getting a mortgage an easy process and we are so glad that we chose him to be our loan officer. We highly recommend and thank you, Owen!

Untrustworthy and Deceptive – Avoid This Lender!

I had an awful experience with Lower Mortgage LLC. Not only did they charge me for services without clear communication, but they also mishandled my personal and financial information. Despite my request to have my credit card details and personal data removed from their system, I received no proper confirmation or assurance that my information was deleted or protected from third-party sharing.

The worst part? They denied my mortgage just two days before closing, even though they had already made their decision two weeks earlier and failed to inform me in a timely manner. Their complete lack of transparency and professionalism caused unnecessary stress and financial strain.

To make matters worse, they relied on AI to make their lending decision and flagged my application negatively due to a name change, without ever reaching out to me for clarification. Instead of verifying simple details, they allowed an automated system to dictate my financial future with no accountability.

A mortgage company should be honest, communicative, and willing to work with their clients—Lower Mortgage LLC is none of those things. If you want a lender that values its customers and makes informed decisions, stay far away from Lower Mortgage LLC.

The pre-approval process through Lower was fast and seamless. Shawn went above and beyond by being available after hours to answer all my questions and being 100% transparent. He provided excellent customer service, educated me on the process as a first time home buyer, and made the entire experience stress-free. As a bonus, he was personable and easy to talk to. I highly recommend Lower and working with Shawn!

Debbie and her assistant Stephanie really made my home buying experience smooth. From the first time I talked to Debbie, she made me feel comfortable about going through Lower for my loan. She explained the process to me, communicated well and often throughout each phase, and was available to answer any question I had. Stephanie was great also. She displayed the same level of professionalism and responsiveness throughout the process. I am truly grateful to have had them handle my loan and help me become a first time homeowner. I will definitely recommend anyone buying a home to them.

I have been working with Shawn Baird over the past few weeks for my loan. He has been a pleasure to work with, answers questions thoughtfully and provides explanations. It has made the process very enjoyable.

Shawn Baird made the Pre-Approval process incredibly easy. As a first time home buyer, I had a lot of questions and he made sure to answer all of them for me along with anything I should know about buying a home. It has been a great experience working with him and he's made the process easy for me.

My home loan refinance process was made great by the knowledge and diligence from my loan office Amir Atieya.
He worked with me from the beginning to find the best program to meet my financial objectives. He continued to work with me through out the process to make sure I got the best rate and the most value from my refinance. I was pleased with the overall experience with Lower and will use them again for any future loans.