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

Showing 3 star reviews | Show all reviews

final result good ,

The entire process took much longer then was told up front. previously an L.O. I understood that volume was high at the time and that was not under his direct control. The Under writing stipulations were a bit over the top for someone like me with 800 plus fico scores. Never the less Nikolas came thru and in the end we are happy with the rate, and costs of this loan.

Low**.com

The loan was slow to get started (2-3 months), but once Jake took over the refi everything went very smoothly and I am satisfied with the results as the loan was completed within a few weeks.

  • Closed with Lender:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

Loan Officer was great, but process frustrating!

I would rate Low**.com 5 STARS if someone asked me about my loan advisor, Caleb Clay. He was accessible any day at any time. He responded to my concerns almost immediately. If he didn’t know the answer, he would find it and get back with me. He was MORE than patient and understood my anxiety of uploading personal documents to strangers and went out of his way to make me feel safe. He is WONDERFUL, but the process of getting approved was a headache! My husband and I have a VERY LOW debt ratio and a credit score of over 800. The amount needed for refinancing was $125,000 LESS THAN the appraisal of the property, so we as customers should have been a no-brainer; however, the process took FOUR MONTHS! The constant need of more documents and often duplicate requests was disturbing and almost harassing. At one point, I was in tears and ready to give up! In retrospect, I never would have started the process if someone had told me the headache I was going to endure. I just didn’t need the stress for the 1.5 point drop in interest rate.

  • 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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