NMLS# 1124061
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.
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.
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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
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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.
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Loan officer directory
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