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
8862 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

Showing 2 star reviews | Show all reviews

Very unpleasant recent experience

Sam Liberatore was my POC for a refinance, a HELOC, and the purchase of an investment property. Sam is very effective and knowledgeable. He regularly went out of his way to push things forward and get the job done. However, the team he has around him can be quite the opposite. From getting my name and gender wrong, to completely abandoning communication me and my realtor when it was time to close, to me having to threaten legal action to get a response, everyone at Lower outside of Sam expressed a lack of professionalism and basic customer service. If I do business with Lower again, and that's a big IF, it will be with Sam only, and contingent upon us using an entirely new team with a new lending coordinator, loan processor, and even the VP of lending. Each of them made Sam's job and my process much more difficult and uncomfortable than it needed to be.

  • LendingTree Customer:

    Yes
  • Closed with Lender:

    Yes
  • Loan Type:

    Home Purchase
  • Review Type:

    Lender Review

Would not use again

Application process was simple and questions were answered promptly up until the time of closing. I liked that the process was all online/digital. Overall, I would not use Low**.com again. The fees we were charged ended up being much higher than we were told they would be. You would be better off going directly through a credit union as they immediately transferred our HELOC to Andrews Federal Credit Union. It would have been much easier and cheaper to borrow directly from them

  • LendingTree Customer:

    Yes
  • Closed with Lender:

    Yes
  • Loan Type:

    Home Equity Loan or Line of Credit
  • Review Type:

    Lender Review

Bad experience

I did not get a lot of time with Emily my loan officer. My mortgage company had me with another loan officer for the majority of time. My process with Low**.com mortgage was not easy and had to do a lot of work over and over again. If you’re in a location where homes are selling off the market very vast, I don’t recommend Lower. They are very slow with their paper work and turnaround time takes too long, which only makes the entire process of buying a house more stressful. Even right before closing I had to redo my entire application because I got switched to so many different people in the company that were handling my file that every time a switch would happen I had to explain and go over everything I had already turned into Lower again, and again, and again.
They only good thing was having Emily at the very end. I believe it was the last 2 weeks when she finally became my loan officer. She, unlike the previous loan officers Lower had given me, was very helpfully, fast, and quick to update my agent.
If you are lucky enough to get her as a loan officer I would say go with Low**.com mortgage. If not I don’t recommend this company.

  • Closed with Lender:

    Yes
  • Loan Type:

    Home Purchase
  • Review Type:

    Lender Review

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Lower

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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