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
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NICHOLAS DEMASI · 4 reviews · Experienced 2025-07-13 ·
★★★★★
I would not recommend this company to…
I would not recommend this company to my worst enemy. They have been an absolute nightmare to deal with. I got set up with a competent person named Jay that asked me for a bunch of documents and then just ghosted me. Talk to and was promised by three others that they would look into my file and they never did the company just steals your information. Do not trust or fall for their false advertising and save yourself some time and go with a reputable company with competent loan officers
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Consumer · 1 review · Experienced 2025-06-30 ·
★★★★★
Thanks Andrew
Thanks Andrew. You were very helpful throughout the entire process.
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Mike Melia · 1 review · Experienced 2025-06-30 ·
★★★★★
The best mortgage broker I have dealt with !!
I've dealt with a slew of mortgage Brokers, and Nick was by far the very best. Instant communication and transparency is key in my world, and Nick was always one step ahead of me.
Bravo, Nick keep doing what you are doing!
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Donald Jones · 1 review · Experienced 2025-05-08 ·
★★★★★
Fresh Start
I was extremely skeptical about doing a refinance because of the interest rates and a 1200 dollar increase in my mortgage obligation. Mr. Saleh was patient, thorough and professional in explaining how beneficial refinancing would be to our financial situation! We appreciated his candor and his assistance with the process and look forward to working with him in the future!! Mr.&Mrs D.Jones
Sam Berman is the most ethical loan advisor we have ever had the pleasure of meeting.
Sam Berman was the loan advisor and he is absolutely the most honest and ethical loan advisor that we have ever spoken with. Sam did everything he possibly could to get us the loan that we needed. Unfortunately we weren’t able to close the deal with Lower but, that was due to no fault of his. We get it… At the end of the day these are employees that are working for an employer and they are limited to what the boss says they can do. However having an employee that cares enough to take the time and do the work necessary to even try when it’s not a guaranteed deal makes a difference.
We knew what we wanted and couldn’t settle for much different than that. Sam looked at all options and went above and beyond trying to make what Lower had to offer work for us. What really stood out was his willingness to try everything in his power and he made us feel that we were important. He never came across like the others who insisted that we needed to do a complete refinance and that we were wasting their time. Sam is a good human with strong morals and values which was not our experience with mortgage salespeople. Most salespeople no matter what their industry are so busy chasing that dollar that they forget that they are dealing with people. But especially true in the mortgage finance industry is that they are directly involved in the largest investment most people ever make in their entire lives. Sam Berman is an exception to the stereotypes we all have experienced with sales. If anyone is looking for mortgage financing we would absolutely share Sam Berman’s contact information with them.
We went with another lender but we were saddened that Sam was not apart of this once in a lifetime opportunity that we have. We both hope Lower knows what a rockstar they have and what an asset Sam Berman is to them.
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Herme Chua · 2 reviews · Experienced 2025-06-23 ·
★★★★★
Great service and it was a smooth and easy process
Andrew Benjamin helped us with our home equity loan, was very helpful, and made the process quick and easy. We would definitely use Lower again and ask for Andrew in the future!
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Charles Hourvitz · 5 reviews · Experienced 2025-06-16 ·
★★★★★
Trust to me is the most important…
Trust to me is the most important aspect of any company I deal with. This is even more true when refinancing a mortgage.
I came to Matthew Mikel at Lower.com after I received a loan estimate from the largest Mortgager in the country. The interest rate on the estimate was way too high and there were significant dollars to pay at closing.
Matt looked at the numbers and was very determined to make it work for me. He made me feel like I wasn’t just any customer but like I was his most important.
He found a way to significantly lower the interest rate from that of the estimate of the other company, less closing costs and cash coming back to me at closing.
There were no surprises at closing and I could not be happier with the end result. My sincere thanks to all at LOWER and especially to Matthew Mikel
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Sarah C · 1 review · Experienced 2025-05-19 ·
★★★★★
Easy to work with
Sam Berman, our Senior Loan Advisor, was great to work with on this loan. He was easy to get in touch with and always tracked down an answer to our questions if he didn’t already have the answer. We had some complicated things to navigate and Sam helped us work through one thing at a time and got us everything we needed for the loan to close smoothly.
Sam responded to my phone calls and emails promptly. Very professional and knowledgeable. As a Loan Officer myself, I would highly recommend.
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Henry Fields · 1 review · Experienced 2025-05-30 ·
★★★★★
Connor was amazing to work with
Connor was amazing to work with! Especially his attention to detail and outstanding communication throughout the refinance process! 5-Stars!
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Shannon Brown · 1 review · Experienced 2025-06-06 ·
★★★★★
Don’t walk… run away from this company
Don’t walk… run away from this company. Uses pressure and scare tactics to push you into committing. A refi would actually cost more money yet they use incorrect numbers in their quote to make you think it’s a great deal until you ask for it in writing and see they are lying. What a waste of time and energy.
Reply from Lower2025-06-09
Hello Shannon, Thank you for providing your feedback. We want to apologize for any unmet expectations. We have shared your experience with the appropriate parties. If you would like to provide more information about "incorrect" numbers, please contact us at your earliest convenience at [email protected]. Thank you - Lower.com Customer Care
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Sa · 3 reviews · Experienced 2025-05-29 ·
★★★★★
Best loan officer and free refi for life
I had the best experience with Lower. Cat Pascual made the process easy, she was always easy to reach by text. This is my second home purchase with Lower.
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Rogelio · 2 reviews · Experienced 2025-05-30 ·
★★★★★
Our experience working with Mallory…
Our experience working with Mallory Miller and Kelly Grant was exceptional. The entire process was smooth, well organized, and clearly explained every step of the way. Both Mallory and Kelly went above and beyond to make everything as easy and stress free as possible. They were professional, knowledgeable, and genuinely kind throughout the entire experience. I highly recommend them to anyone who needs assistance with their mortgage, I can’t speak highly enough about the service they provided.
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Consumer · 1 review · Experienced 2025-05-23 ·
★★★★★
John was great throughout the process
John was great throughout the process; got it done to fit our deadline with no surprises along the way.
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Marisol R · 2 reviews · Experienced 2025-05-22 ·
★★★★★
I had a great and fast experience with…
I had a great and fast experience with Lower thanks to Mallory Miller and Kelly Gant. They were both incredibly helpful, responsive, and made the entire process smooth and stress-free. Highly recommend working with them!
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Mike Viren · 1 review · Experienced 2025-06-02 ·
★★★★★
Great Communication
My wife and I were very happy with our experience at Lower. Connor Murrell was my primary contact and was SUPER responsive to me at all points in the process. Got a fair deal with a good appraisal and was able to use the equity in my home to take care of a few things. Only small critique we had is that the underwriting process was a bit slow and dug deep...but we got there eventually. Maybe that is the norm now but there were quite a few requests. That said I would recommend to anyone looking for mortgage related products.
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Steve · 2 reviews · Experienced 2025-05-14 ·
★★★★★
Jay was an honest professional…
Jay was an honest professional throughout the process from my initial contact, until the final closing procedure.
Constantly e-mailed or called me the keep me informed and answered all my questions. I will have contacts that I will encourage to use Jay and Lower.com for them to use.
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Andrew Dorata · 1 review · Experienced 2025-05-23 ·
★★★★★
Connor was amazing to work with
Connor was amazing to work with. He is extremely professional and punctual. He was very clear in handling my complicated paperwork and helped my family and I close with ease. 10 stars
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Garry S. · 1 review · Experienced 2025-05-08 ·
★★★★★
Closing Made Easy with Andrew Benjamin
I can’t recommend Andrew Benjamin highly enough! After a slow and frustrating experience with a previous loan processor, Andrew stepped in and completely changed the trajectory. From the moment he took over, he was responsive, efficient, and organized.
He kept me informed throughout the entire process and worked diligently to make sure everything stayed on track. Thanks to his dedication, we made it to the finish line smoothly. What could have been a stressful process felt manageable with Andrew’s guidance. I’m truly grateful for his professionalism and support!
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Cynthia · 2 reviews · Experienced 2025-04-25 ·
★★★★★
Lower Refinance
Jason, our loan advisor was excellent. He followed up with us on every detail. From beginning to the end. It couldn’t have been an easier process.
