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.
Our Agent Landon was amazing. He was familiar with a variety of programs, explained each one as he went, and walked us through the process in a way that was easy to understand. He was patient with our questions, and made the whole process an absolute joy.
Please do not finance through Lower. They charged $6.5k for 1.4 points, poor loan officer support. Unprofessional service & when offering “free refi” for life, all they discount is only wiping an origination fee. My poor experience was with loan officer Jared Derosa. I also struggle to believe their reviews are not simply paid for on their website and not real.
Hello Garrett! Thank you for providing your feedback. We want to apologize for any unmet expectation with our "Free Refi for Life" program. This program allows for you to avoid our origination fee when you refinance by staying with the same company. Dependent on the company, origination fees can often times add and cost you thousands of dollars. The 6.5K you were charged for 1.4 points, which is based on your loan amount, is required cost to acquire the rate you requested from the market. As for unprofessional service, we pride ourselves on our customer service, please feel free to email us at [email protected] with any additional information. Thank you! - Lower.com Customer Care
It was all good
My wife and I have decided to start our own business. As you can imagine it takes quite a substantial amount of money starting out. We were just over half way there and needed more. I was hesitant at first but after researching and meeting Joe Costello everything kind of just fell into place. It took him just over two weeks to get my loan closed and 2 days later I already have my loan. We are very thankful to Joe and LOWER for making this happen. If you are needing help I highly recommend you give Joe Costello at Lower a call!!
Working with Nico was so easy and smooth. He was sooooo patient and informative the whole way. Answering any questions I had and making any changes I asked for. He made the whole process painless and worthwhile. I would highly recommend Lower (and Nico) and will for sure use them again if needed.
I cannot say enough good things about my experience with this lender. From start to finish, they were knowledgeable, patient, and extremely responsive. They took the time to explain all of my options and ensured I felt confident in every decision. I truly appreciate their professionalism and dedication and would absolutely work with them again. Thank you!!!
Nick makes the process smooth from start to finish and is quick to respond to any questions you have. I have refinanced with Lower twice now and would gladly recommend Nick to anyone .
Unsolicited cold calls even though I am on the Federal Do Not call registry. Would never do business with a company that doesn't understand that doing this is a violation of law and my privacy.
Hello Patrick, Thank you for providing your feedback. We want to apologize for any unmet expectations. You had previously worked with our company in the past. We have removed you from our calling list. 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
A week into the process, we receive an email that we need to sign new disclosures. No conversation or email what this is about. We log in to review the new disclosures, and in the small print, we see that Nico has included that our FICO score dropped and they need .75% point because of it. Which is ridiculous because our scores have actually gone up. After reviewing the form, he took $5,000 out of our escrow account and put it in the origination column. Then I questioned him about it and he said he didn't know anything about it. He is a liar. I told him to close the file and want the appraisal we had to pay for.
Hello Lynn, Thank you for providing your feedback. We want to apologize for any unmet expectations. Based on your initial credit profile based on a soft pull with TransUnion, we generated intial pricing and sent you out disclosures. However, based on a tri-merge credit report, your Equifax score was 20 points lower than you TransUnion Score. Thereby effecting the pricing for your loan what was available in the market. To keep your rate and payment the same, points needed to be applied. As far as your Prepaids and intial escrow accounts, those were updated by our operations team to reflect more accurately based on tax amounts and due dates. 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
Mason and Sam were absolutely incredible and diligent in there efforts to push my refinance all the way to the finish line despite my current mortgage company gumming up the works as much as possible. These guys really made it happen! Couldn’t recommend them more!
Working with Joe on our refinance was a Godsend. He was with us through every step of the process and tolerated all of or questions and concerns.
Amazing! Landon and his team made the process easy and stress free from start to finish
I had a fantastic experience working with Owen Dysart. His communication was outstanding, consistently keeping me updated on the progress of the file. My client was very pleased with his approach, as Owen made the entire process clear and easy to navigate. I highly recommend him for anyone looking for a smooth and efficient experience!
The consistent and regular communication with Lower throughout the loan process made me feel at ease. I NEVER wondered "What's going on?" Anna is very compassionate, always willing to answer questions, and if necessary, get to the bottom of something. I'll refinance again if/when rates dictate...partially because Lower makes it so easy and comfortable to do.
I am an older woman raising a young child, I was making a cross-country move in the beginning of December. The cards were not exactly in my favor, but with Jack Tomlinson at the helm, the procession was SO smooth. He was available at all times, even with the holidays going on. It was my first home purchase and he just kept giving me the right answers and help. Massive kudos going to Jack and his team at Lower.com.
Conner Murrel should be made president of your company. He went beyond the call of duty in responding to my needs and wishes. I am a klutz as far as far as online technology is concerned. Conner bent over backwards to help me. Connor’s patients with me was extraordinary.
My husband and I were in a scary position of leaving our home of over 15 years. Blair, Tom, Adam and team ALL made us feel like they cared about US! We couldn’t have asked for more compassionate and reliable ppl. I wish we could work with them all the time for other matters in life. Things would run smooth as butter with this team at the front! Thank you all so much!
Casey Granston and his team are the BEST of the BEST! Process was super-efficient, they kept me on track with what needed to get completed, and everyone's communication was thorough and very responsive. The experience was nothing, but positive. 5-stars and will definitely use them for any mortgage needs!
Dylan Fields was amazing to work with and helped me through my entire process. I would recommend him to anyone and look forward to working with him in the future. I don't think I could've had a better experience buying my first home.
A mortgage process is daunting. Lower makes the process so much easier because they know exactly what is needed and when. They really partner with you to make it happen. We highly recommend.
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