Easiest refi ever Did all communication through text message. Signed all documents through an online portal. Easy. Loan just moved into processing phase. Everything is moving very quickly. Did a Heloc with them last year, combining everything into one mortgage now.

Refinancing Made Simple With Lower I worked with Nick Caravana at Lower.com to do a refinance on my home. Nick was very helpful, quick to respond to any questions I had and and worked to get me the best results possible. Thank you Nick for the easy process!

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!

Repeat customer with Nick, can't recommend enough Three times now Nick has saved us thousands of dollars and helped secure us an outstanding rate or helped us with a HELOC. He makes himself available at all hours, is incredibly responsive, and makes the entire process effortless. He is an absolute pleasure to do business with.