Lower (lower.com) has a 4.4 out of 5 rating on OK.one, based on 101 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 86% of reviews are 4 stars or higher and 12% are 1 star; The business has replied to 92% of negative reviews; 72 of them were added in the last 12 months. Last updated 2026-08-10.
Nico was such a treat! We are so grateful for all the hard work he put into our mortgage cash out refinance loan! He did everything he possibly could to make this happen for us, and we will be forever grateful! The loan application and process was so easy. Nico explained everything very well and answered every single question we had.
Nico and the entire team made it incredibly easy! Would definitely recommend. They got everything done quick, on time and kept me updated the entire time.
They claimed I would know whether I was approved “within minutes,” collected all my personal information, and then sent a message saying, “Our team will reach out to move things forward as soon as we’re back online.” Apparently, that will not happen until Monday three days later.
Hello, Vadim! Thank you for your feedback. Apologies for any unmet expectations you had while getting connected. We can definitely connect you today to discuss! I looked further into things for you, and it appears that you submitted your inquiry after 6PM EST on the 17th, which is outside our regular business hours. Because of this, we were unable to connect you. However, if you reach out to us at 614-639-5955 during regular business hours, you will be connected with an agent to discuss viable options. If you would like to provide more information or discuss, please contact us at [email protected] at your earlier convenience. Thank you - Lower.com Customer Care Department.
My wife and I had a terrific experience refinancing our home with Lower. The hardest part of the whole process was collecting all the required paperwork needed by the underwriters. Something we'd have needed to do with any lender. What really set Lower apart for us was the speed at which the whole process took place, and the ease of getting questions answered. From initial contact to closing was under one month (including the site visit for our appraisal). And it could likely have been faster if our bank at the time had been a little faster generating our payoff note. The icing on the cake for us though was our loan officer Nico Thomas. This guy was fantastic to work with. Not only is Nico the guru of financing options, he also gave us the option of communicating with him via phone, text, or email. I can't stress how great is was to be able to shoot my loan officer a text at 7:30pm (fully expecting to not receive a response until the following day) only to have him reply in depth 10 minutes later. And that wasn't a one off. By the end of the process I had grown accustomed to being able to text Nico, pretty much whenever, and receiving a prompt response. It was great. When it was time to proceed further down the chain to the loan processor Felice McCowan (who was also great to work with) Nico remained in the loop and was cc'd on all communications and would jump back in the conversation when he felt necessary. We weren't just passed on down the line to the next person in the loan queue. In the past I've done loans and refi's with Rocket, TD Bank, and Chase. Lower is by FAR the better experience.
Leslie and the whole Lower Mortgage team are just wonderful people and they made our first time home buying process as stress free as possible.
Screens went too quickly. I filled out something incorrectly and coukd not correct it.
Working with Mike Carey was an absolute pleasure. He was very reliable and accessible to us day and night for any questions or help.
My wife and I were buying a new home after living in our current home for the past 34 years. Navigating the mortgage market could have been very stressful for us. Our realtor recommended we speak to KC Harney, he listened to our long term goals and explained all our options to us. He was incredibly helpful through the whole process. His assistant Andy Tait was also awesome to work with. They both responded to calls, emails and texts in a timely manner. They answered all our questions and explained everything to us so we always understood what the process was and what to expect next. Your company is fortunate to have them as employees. Thank You KC and Andie!
Bri was outstanding and ensured we were comfortable and understood each step of the process! Her level of communication is something you typically don’t receive these days! She is the main reason we are a returning customer with Lower. Bri is a true asset to your team!!
Lisa Cohen made our experience virtually painless. Very professional with excellent communication throughout the entire process. She made herself available at all times whenever we had any questions or concerns and was quick to respond.
As an investor, I have dealt with countless lenders of all shapes and sizes, but my experience with Lower.com—specifically with Marquise Boykin (Loan Officer), Jess Sarver (in Underwriting/Loan Processing) and Sam Berman (Vice President)—was absolutely impressive. The entire chain from the Loan Officer/Processor, to the Underwriter(s), to their Executive Officer(s) is incredibly competent, reasonable and utterly professional. We hit the ground running on a highly complex Home Equity Line of Credit (HELOC) involving intricate self-employed and government employed complex income verifications. Nevertheless, when unexpected hurdles arose—including an uncooperative appraiser and last-minute county bureaucratic delays—this team didn't even flinch. They remained focused, fast, and completely accessible. Above all, they are people of integrity. At the start of the process, Sam promised me a HELOC product with a net out-of-pocket cost of approximately $500 in total origination costs (i.e., in total all-inclusive net closing fees after rebates). When an appraisal adjustment altered all the backend math right at the finish line, VP Sam Berman personally stepped in, escalated the file and completely honored their original commitment. Integrity. While I did pay ~$600 in closing costs extra, that was strictly for an outside property taxes obligation I owed, which does not count against Lower’s performance. Essentially, they delivered on their $5500 credit promise down to the single penny. To top it all off, they locked me into their “Free Refi for Life” program, wherein they offer no closing costs refinances for life (on the subject property as a repeat customer), so I for one will be taking advantage of this deal and doing business with them in the foreseeable future. I advise you all do the same, and after your first low-cost closing like me get you “Free Refi for Life” at Lower.com. Whether you are a standard homeowner or a seasoned real estate investor looking for a team that communicates seamlessly and honors their word, please look no further than Mr. Boykin and the crew over at Lower.com. I will absolutely be bringing my future business and refinances to them. A 5-star review well earned.
Their customer service is off shore, with people who have little understanding of American English. No supervisors are available. To make an on line payment, you have to go through an outfit called Plaid. They require your bank account ID and password and full access to all the information as to your monthly transactions. If paid by mail they can take 10 or more days to post your transaction according to their website.
Hello, Thank you for providing your feedback. We want to apologize for any unmet expectations. If you could please reach out to us directly at: [email protected]. Thank you - Lower.com Customer Care
Jay was very friendly and knowledgeable and portrayed a good amount of confidence in being able to help me achieve my goals. I explained what I was trying to do and Jay immediately said he would do everything he could to help. He walked me through everything he needed from me and helped me get it done. He was efficient and an overall pleasure to talk to.
Patrick was amazing during our entire process The communication was clear, prompt, and consistent from start to finish. The turnaround time was impressive, and Patrick was always available to answer any questions we had along the way. He made us feel completely comfortable asking anything, and his approach kept every conversation smooth and stress-free. The document collection process was also incredibly easy and efficient.
A peace of mind every step of the way! Great all the way around!
Dan Krych was amazing in every aspect of this loan. He was professional, clear and concise. Wonderful to talk too and made it all possible thanks to his persistence on making this happen where others couldn’t. Thankyou you all very much!!! AWESOME company!
I spoke to Mason #1821894 this afternoon, and explained the type of loan I am looking for and he answered with "I have been doing this for 8 years and sounds like you're not convinced, don't waste my time" after I asked him to send me an email with his contact information. He was the rudest ever and has no people skills. I spoke to him for 9 minutes and that was apparently too long for him. He was neither friendly nor professional. I will never call Lower again.
Hello Brenda, Thank you for providing your feedback. We want to apologize for the experience you had with our team. We reviewed the call and shared your experience with the sales manager to address and provide additional training. If you would like to provide more information, please contact us at your earliest convenience at [email protected]. Thank you - Lower.com Customer Care
If your wanting to get the dream home! You need to contact taylor she will make your process a breeze! My first home ✔️
I should have never refinanced with Lower. They made me feel like I could trust them, they would be my servicer for the life of the loan. After my first payment they immediately sold my loan to Truist and I never heard from them again. A whole lot of trouble and didn't save that much money. Now I'm stuck for 30 years with a bank I hate.
Hello, Jennifer! Thank you for providing your feedback. We understand that changes in servicing can be stressful. It is industry standard that most loans are transferred throughout their lifetime - in some instances, multiple times. We want to apologize if this was not explained appropriately and led to unmet expectations. However, you will still have access to our previous customer products including Free Refi for Life even when loans are sold. We have shared your experience with the appropriate parties. If you would like to provide more information, please contact us at your earliest convenience at [email protected]. Thank you - Lower.com Customer Care
Owen and the rest of the loan team through lower were amazing to work with throughout the entire process. This is my second loan through lower and the process was smooth if not smoother than the first time. I will continue to use lower for all of my real estate financing needs they are a wonderful company I suggest to trust them too.
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