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.

Amazing hard work and customer service. 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.

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

Quick closing time 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!

Thanks Mike! Mike Cafarella has a wide variety of mortgage programs and competitive rates. He explained our options in a way that made sense and gave us space to weigh our options. He was always available for questions. We highly recommend working with Mike and the Lower Local team for your next purchase or refi! Can't thank you enough, Mike!