LowerAvis 

Company jerked me around for two months told me they would give me a loan then refused to honor their word. Told me everything was good along the way. Waste of time. Hit to my credit too.

Total disaster! The most unprofessional experience I could have ever imagined, I was misled, misinformed, deceived and left feeling totally taken advantage of. Never received clarification to any of my concerns, I kept receiving disclosures every week showing different information very opposite to what we discussed, closing fees and appraisal fees provided were ridiculously high, after over two months thinking that my process was advancing and being taken care of, I ended up with a bunch of confusing information, an incredible amount of stress and anxiety. The closing fees and appraisals were ridiculously high, and they were unable to explain the reason, they just ignored my questions, just to finally find out after two months that my agent was no longer working with Lower, but nobody informed me about nor I was ever notified if someone else was taking over my account, I do not understand how this company is still in business. It seems like agents are getting paid per application submitted, so after that is done, there is no motivation to help customers complete the process. Really unbelievable that the Better Business Bureau has not intervened.
Next time i will just go to a reputable bank, at least I know i will receive honest, reliable information. This process was a total joke and I ended up so stressed out that it affected my health.

Mike Carafella is one of the hardest working people I’ve met. He went above and beyond to make the process quick and easy. We closed in 12 days and the process was incredibly smooth. I can’t say enough good things about him.

Customer service & professionalism doesn't exists. They serviced my loan for ~2 years and both time tax forms were incorrect and I had to chase around. Once they transferred the loan, they stopped online access and discontinued the number/customer support.

Lower and Jared Derosa exceeded all my expectations. The whole process was 5 stars, couldn’t be happier!

Mallory Miller did an amazing job! She was always available, regardless the time. She and her team made every step of the process quick and seamless. My house sold extremely fast and Mallory was able to close on our new loan ahead of time so both closings could be same day. I can't thank her and her team enough!

Nick did a wonderful job keeping me informed of what was going on and what was needed all along the way. Highly recommend Lower.

Nick easily explained what the best options for our refinancing needs were. His team worked quickly and communicated very well and took the time to explain each step.

Three times now Nick has saved us thousands of dollars and helped secure us an outstanding rate or helped us with a HELOC. He makes himself available at all hours, is incredibly responsive, and makes the entire process effortless. He is an absolute pleasure to do business with.

My wife and I recently utilized Nick and his team for a cash out refinance. From the moment we were connected with Nick, he was able to provide us with some great "think outside of the box" solutions that we were able to utilize. Nick is also incredibly responsive to all questions and never left us hanging throughout the entire process. The underwriting process was incredibly smooth as well. Overall, we would absolutely recommend Nick for your all your home lending needs.

The lower loan advisor and his team, made it easy for me to process my application with ease and trusting them with all my important. I surely recommend this team with my friends.

From my loan officer to closing was smooth sailing.A.L

sounds great until you fill and application out, you speak with someone that says they will contact you back in 30 minutes with numbers but never hear anything. Sent text and called. Legally you have to supply certain docs with an application so I will be reporting you!

Lower really made the whole process easy and they were really good about explaining things every step of the way! I can’t say enough about the Lower team, especially Mallory! Thank you for helping us achieve our dream of owning a home!

They charge a 1.5% fee at closing. The rates are significantly higher than other HELOC providers. The broker was dishonest.

Very shady company. I applied for a HELOC and they tried to trick me and have me sign paperwork for a refi. Never once discussed this with me and when I questioned the rep he became defensive and hung up on me.

Reily, Liam and team were amazing with communication and explaining everything thoroughly.

If I could give negative stars I would. My clients were dragged along 1 month after the original closing and were told that underwriting denied the loan on the day of closing. Horrible communication from the lender.

Kilian, Damian, Brent and Dane all were awesome and got crap done. They made adjustments on the fly to fit our situation without any trouble at all. We appreciate the hard work they put in.

My loan officer was Josh Morris. There isn't enough stars to give him. He was great, very patient, and walked me and my husband step by step to the very end. We were blessed by the BEST.