Great communication
Great communication! Easy process, everything was online which made getting docs together and uploaded so convenient. Joe always answered texts and call backs pretty quickly!
About Lower
Data updated- Website
- lower.com
- Category
- Money & Insurance
- Location
- United States · New Albany
- Status
- Unclaimed
- Last 12 months
- 72 reviews
- Replies to negative
- 92% (12/13)
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Is Lower legit?
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.
What people say
Huge Savings
Our loan officer Trevor has been really great so far. Trevor has been really helpful in helping me get the best possible rate and get to a payment that we are happy with. The payment is lower than what my local bank offers which is a huge plus!!!
Very Easy
Worked with Joe Costello and found him to be highly professional and of impeccable integrity. Every question was answered promptly and truthfully. The whole process was smooth with no surprises and no bumps. Doing a mortgage is usually as much fun as a root canal but this was clearly a very pleasant and vastly different experience. I highly recommend this company in general and this representative in particular.
Justin Nguyen was amazing
Justin Nguyen was amazing. Great folow up (probably the best I have seen). He deserves a 5 star rating. The underwriting took way too long and kept coming back with more, unnessecary requests. They get a 3 Star
Cherry on Top
It's very scary to purchase a home in the economic times we live in, Lower, LLC made it easy, Tracy West made sure we were comfortable with the process, explained everything in detail there were no stones unturned...I HIGHLY recommend Tracy West to all my friends and family...Thank You...
Dane Shirley was amazing!
Dane Shirley was amazing!! He made everything super easy and stress free from start to finish. I truly enjoyed working with all of the Lower team
2nd Mortgage
My loan was completed from start to finish in 2 weeks. All questions were handled immediately. The rates are great. I was really impressed with Dane and his team. Couldn't ask for better service and knowledge.
Joshua Morris is a pleasure to work…
Joshua Morris is a pleasure to work with. He assisted me during the original home loan. I was pleased with the first experience I contacted him when rates dropped and was ready to refi. He was there every step of the way! Highly recommend 10/10.
The process was very smoot and Connor…
The process was very smoot and Connor Murrell kept me informed throughout the process. He was very responsive.
Give Brandi Martin a call, you won’t regret it.
Brandi Martin very personable and did a great job for us, a few delays that where out of her hands, but she stay on top of things and got everything handled. I would definitely recommend her for your loan needs.
Connor and Drew were excellent to work…
Connor and Drew were excellent to work with. Extremely communicative and very efficient - what more can you ask for from your lender!!!
Highly recommend
This is the third time using Lower and will continue to do so in the future. I very much appreciate the professionalism and dedication to their clients with their clear communication during the entire process. I worked with Sam Berman and he answered every question in a quick and timely fashion. Sam was a dream to work with and I am grateful for all his help and advice. Highly recommend both Sam and Lower.
Chance Walton and his team were flawless
Chance Walton and his team made our home financing experience flawless. He delivered on every commitment, kept us informed at every stage, and somehow made the process feel almost effortless. Our realtor—who has 25 years in the business—called Chance the best mortgage broker she’s ever worked with, and we couldn’t agree more."
The Mickens
I met Josh some time back when I was considering selling my home and needless to say we decided not to sell at that time. I reached back out to Josh several months later (recently) to explore other options that might me available to me in this tough economy. He responded almost immediately and gave me a few options off the top of his head but advised that he'd review some things and call me back. That return call started with some ugly truths but ended with us CLOSING on a refinance in LESS than the original 30 days we had previously discussed. Josh & his team was EXCEPTIONAL they left no stones unturned in getting us to the FINISH LINE!!!!
We had a great experience with Joe…
We had a great experience with Joe Costello he kept me in the loop even while overcoming hurdles and always returned calls and emails quickly even late at night
Overall great service from Andrew…
Overall great service from Andrew Benjamin. Quick processing time, underwriters didn't ask for the same thing over and over, constant communication.
Connor did a great job helping me…
Connor did a great job helping me obtain a new HELOC that was a great deal and smooth and easy closing process.
I had a great experience working with…
I had a great experience working with Lower. Chance Walton was awesome, and extremely responsive. He even replied late into the evening when I did not expect a response. He explained everything in detail, and we were able to close very quickly. I highly recommend.
A Lender That Works For You
I had a great experience working with Andrew Benjamin from Lower. We worked out a great refinance I was looking for and he made the whole process easy from start to finish. I would certainly return to Lower again if I have any mortgage needs in the future.
Abigail was such a big help in setting…
Abigail was such a big help in setting everything up for me she made the whole process so simple five stars keep her and you