NMLS# 1124061

Lower

Lender Summary

We make lower happen—Lower fees. Lower rates. Lower interest. Lower payments. Lower hassle. So our borrowers get a better mortgage experience, for less. With Lower.

What they're saying

Ratings & Reviews
6706 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

Phillip was amazing! Thanks!

Philip is an excellent loan originator. Helped me with any questions I had and as a senior loan originator myself I could tell he had perfected the craft! I would highly recommend him to others.

  • Closed with Lender:

    Yes
  • Loan Type:

    Home Equity Loan or Line of Credit
  • Review Type:

    Loan Officer Review
  • Loan Officer:

"Noah Billingsley".*.You are Awesome!! (On a Very Serious Note) :

I must whole heartedly want to thank you for your true professionalism and kind guidance throughout my loan closing process. Normally, by past experiences, I say loan process (not just closing!) is very time consuming and understand demanding process to evaluate the current situation and choosing the best and appropriate options available, and mostly it is highly confusing rather than helping. With Noah's help and providing clarity on both of my existing loans, he provided a deep insight on how I realize savings by refinancing the loan. I truly appreciate your dedicated time and patience while I had too many questions, but, you, uncovered all the areas and explored every possibility to provide the answers at the right moment.
It couldn't be any better process on my loan closing and it is just because you took time to act very professionally and in a timely manner.
THANK YOU.
a Truly satisfied Customer,
Krishna Hanchate

  • Closed with Lender:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Loan Officer Review
  • Loan Officer:

This was a wonderful experience!

We worked with Zach Karney and his team and I would recommend him to everyone. As a couple who is not "of the computer generation" they made this hybrid experience easy and even taught us a few things along the way! We found Zach to be patient, knowledgeable, informative and always available. We were educated, coached and patiently lead through the process in a way that made it as easy as falling off a log. Thanks, Zach!

  • Closed with Lender:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

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Customer Satisfaction rating is based directly on customer ratings and reviews. Customers rate lenders on their customer service, interest rates, fees and closing cost and overall experience.

LendingTree Certification:

The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.

LendingTree Certification:

  • Certified Lender
    Certified Lenders have demonstrated their organizational commitment to employee development, at least 50% of their loan professionals have been certified while also providing exemplary service to LendingTree consumers.

Loan Officer Certifications:

  • Gold Leaf
    Gold Leaf is the cornerstone of the loan officer certification program and is designed to recognize loan officers committed to their own professional development while adhering to LendingTree best practices. Gold Leaf recipients know the fundamentals of LendingTree and online lending, they are equipped with the necessary skills to be best-in-class loan professionals.
  • Certified President's Club
    President’s Club is presented to an elite group of loan officers based on success levels in several areas including adherence to LendingTree best practices, commitment to professional development and dedication to customer excellence. Recipients have also met all Gold Leaf criteria.

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