We were super lucky to have Thien Mach… We were super lucky to have Thien Mach as our loan officer. He was very patient with us as first time home buyers and was always available to answer our questions and was very responsive to emails, text messages and phone call. This man even answered our call when he was helping a family member move into their dorm at school. Truly exceptional customer service from Lower.com and Thien and without Thien and his team, I'd have grown a few more gray hairs. Thank you!

Smoothest Lending Process Ever! 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.

Exceptional experience I went through the refi process to leverage some equity and the entire process was much easier than I was expecting. All the way through funding, things went according to plan and the communication was prompt at each step. I would highly recommend Nick Caravana! He’s terrific, but he’s also supported by supported by a great company and team. This will be my go-to for any future mortgage and refi needs.

0 star company 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 was great! My fiancé and I are first time homebuyers, and Katie was beyond helpful from start to finish! She was always quick with a quote and more than happy to answer any and all questions we had (and trust me, there were quite a few!). Whether you're a first time homebuyer or are just looking for another property, I can't recommend Katie and Lower enough!