Reviews

This profile includes reviews for Lower.com's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Lower.com

  8131 Smiths Mill Rd New Albany, OH 43054-1183

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  Lower LLC

  8621 Robert Fulton Dr STE 150 Columbia, MD 21046-2637

Review Details

• Review fromElizabeth R

  Date: 11/02/2023

  1 star

  Elizabeth R

  Date: 11/02/2023

  ONE OF THE ******* "COMPANIES" IN THE WHOLE WORLD!!!!!!! TRASHY, SPACED OUT "STAFF" RUN BY A BUNCH OF *****. They've lasted 5 yrs.??!! but I'll give 'em 6 months tops!! The dumbest "agents" I've ever texted or emailed. First they didn't know what a "purchase agent" was for a mortgage & said they "weren't the purchase agent's company". . . AFTER they said they'd have one contact me. L.M.F.A.O.H.!!!!! Then I had to remind them I was purchasing a mortgage & not company shares or whatever the last IDIOT dreamed up. Then one contacted me. He started the conversation w/ one question, I answered it & he never came back. Supposed to be an "easy text conversation". Then I had them send me ANOTHER ONE. He texted me & I thought he also left after the 1st question but decided to wait 10 min. to ask me another one. After doing this twice I deleted it. He came back 10 min. later and I said, "Are you going to actually finish this conversation w/o traveling away from it?" His answer was "?" so I said "NOT INTERESTED" I didn't see his next immediate text; it was the only quick reply but I think he was adding some "insulting comment" - I didn't fully read it & deleted the supposed "conversation". "AGENT" NAME: *****. Then I returned the favor on their website form. GREAT COMPANY!!!!! L.M.F.A.O.H.!!!!!!!!!!

  Lower.com

  Date: 11/30/2023

  Hello Elizabeth, 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, please contact us at your earliest convenience at [email protected]. Thank you - Lower.com Customer Care

• Review fromNichole B

  Date: 10/17/2023

  5 stars
  Nick C******* was great! Informative and efficient. He always responded timely to any questions we had and helped us weigh our options of what made most sense for our needs. Highly recommend for your refinancing needs.

• Review fromkathryn c

  Date: 08/11/2023

  1 star

  kathryn c

  Date: 08/11/2023

  The agent I spoke with, Justin..was always late returning calls and then BOOM I hear nothing on my potential HELOC, these people obv are FRAUDS SCAMMERS RUDE..avoid using this company..they should be sued which im contemplating!!!!

  Lower.com

  Date: 08/14/2023

  Hello Kathryn, Thank you for providing your feedback. We want to apologize for any unmet expectations. We have shared your experience with the appropriate parties, we see you were able to be connected to Jared on Friday. If you would like to provide more information, please contact us at your earliest convenience at [email protected]. Thank you - Lower.com Customer Care

• Review fromJames P

  Date: 06/13/2023

  1 star

  James P

  Date: 06/13/2023

  DO NOT TRUST THIS COMPANY. Their representatives are deceitful. They lie to you constantly. THEY ARE A SCAM! I have written proof of their lies. They have no idea how to close a loan properly. They get paid when you complete an application so they have no incentive to close it. Their Loan officer **** ******* has zero clue as to how to manage a loan process. He lied to me for 3 months about closing a refinance and never did. They couldn't close a simple refi and certainly not a large one. Do not waste your time. After failing to close my refi I asked them 7 times to transfer my appraisal to a reputable lender so they filed a 2nd appraisal on my home with an appraiser they work with to scam customers. I now have no choice but to contact an attorney, the better business bureau as well as the CFPB to review their processes. The rates they advertise are all lies. A SCAM COMPANY. RUN AS FAR AS POSSIBLE, if you value your time and sanity.
  Furthermore, I want to add that Lower.com scammed me into doing a 2nd appraisal on my home as part of the "verification of the first appraisal". They promised to close my loan in just “two more days”, **** ******* and his processor ***** ********* said. They lied. They knew I would go to another lender so they filed a bogus appraisal at a lower value. Then after telling me this verification of appraisal was at their cost they tried to charge me $2700 for it. Their hope was to keep me from refinancing with another company. This will be a HUD complaint as well.

  Lower.com

  Date: 06/14/2023

  Hello *****, Thank you for providing your feedback. We want to apologize for any unmet expectations. Your new lender has recently reached out to us about transferring your appraisals. We have sent the appraisals to them. We can not have any influence on any appraisal. Thank you - Lower.com Customer Care

• Review fromHolly W

  Date: 05/11/2023

  5 stars
  My fiancé and I are first time homebuyers, and ***** was beyond helpful from start to finish! She was always quick with a quote and more than happy to answer any and all questions we had (and trust me, there were quite a few!). Whether you're a first time homebuyer or are just looking for another property, I can't recommend ***** and Lower enough!

• Review fromEmily E

  Date: 01/14/2023

  1 star
  We had a HORRIBLE experience with lower.com. Our process took well over two months, with them telling us “everything looks great” throughout the process, only to be DENIED OUR LOAN THE DAY BEFORE CLOSING.
  During the process, getting a response from them was like pulling teeth. It would take days, sometimes over a week, to get an email response. They rarely answered their phone. Between myself, my husband, and our realtor, they received HUNDREDS OF PHONE CALLS from us, and a majority of them went unanswered. They also made promises that they were unable to keep.
  We so wish we would have just steered clear of this “business” from the beginning as we would have been into our new home much sooner. Thankfully we were referred to a complete different bank that actually was able to close our loan within days. So save yourself the headache, frustration, and time, and STEER CLEAR OF LOWER.COM.

• Review fromErnest W

  Date: 12/09/2022

  1 star

  Ernest W

  Date: 12/09/2022

  Unfortunate experience. I was very patient with this company. My loan process took almost 4 months for me to have my loan denied 1 day before closing. I was informed my loan was denied for something that isn't even on ANY of my consumer reports (Equifax, Experian, Transunion and Xactus). Days after I was told my loan was denied I still received an email instructing me to sign disclosures so my loan could close on time. Actions like this led me to believe foul play was evident. I have excellent credit, income etc., in other words highly qualified. I was given three different reasons by three different people why the loan was denied. I asked to speak to the underwriter only to find out he no longer works for the company yet Lower.com has failed to provide any material relevant to why the loan was denied. Several subsequent complaints have been filed with Federal and State Agencies.

  Lower.com

  Date: 12/12/2022

  Mr. ********:
  First and foremost, we wanted to thank you for giving us an opportunity to respond to your concerns. It is of our utmost importance to ensure our clients are fully satisfied with their experience at Lower. Lower takes all its customer feedback seriously and our Company strives to achieve an exceptional level of satisfaction with all its Borrowers.
  Accordingly, the Care Department reviewed the contents of your concern with respect to the loan program you applied for, the chain of events, and the final decision on the loan file.
  As stated in your complaint, on April 27, 2022, you completed an application for a combo product with Lower, LLC where a licensed Loan Advisor, Michael R***** *NMLS *******), assisted you. Following the application, a series of events occurred to move the loan file forward.
  1. April 28, 2022, the federal and state disclosures were sent to you the first trust and on May 5, 2022, you signed the intent to proceed. In addition, on June 16, 2022, a second trust loan package was sent to you for signatures.
  2. June 28, 2022, your application was submitted to our operations team to be reviewed, and obtain any other required supporting documentation that may be required prior to submitting the file to underwriting.
  3. July 8, 2022, your application was submitted to underwriting for review, and on the same day was “Conditionally Approved”.
  4. July 11, 2022, a fraud analysis report was obtained and reviewed showing foreclosure proceedings.
  5. July 20, 2022, the title work was reporting a second lien.
  6. August 1, 2022, you emailed the processor **** ******** regarding the second lien stating a company called RTR owns the loan and has been seeking payment. You stated you have not been making payments on the second lien (see attachment).
  7. August 2, 2022, your application was resubmitted to underwriting for review.
  To meet the underwriting guidelines, the second trust reporting on the fraud analysis and title documents would require supporting documentation such as satisfaction of the current 2nd lien for $113,980, which was not provided by the consumer. The letter of explanation you provided via e-mail did not satisfy the guidelines. As a result, the loan would not qualify for a combo product, and deeming the application incomplete. The loan files were adverse on August 26, 2022.
  Mr. ********, we sincerely apologize for any unmet expectations regarding your experience relating to your transaction. You are welcome to reach out to our offices directly if you have any additional questions.

• Review fromD. B.

  Date: 11/21/2022

  1 star

  D. B.

  Date: 11/21/2022

  I applied in March of 2022. Denied because my credit was too low. It is November 2022 and I just received a letter saying a credit check was ran and I was denied. I DID NOT GIVE LOWER.COM PERMISSION TO RUN MY CREDIT and I wouldn't do business with them even if I had better credit. How dare they do this. WTF! Do Not Use Lower.Com

  Lower.com

  Date: 11/23/2022

  Hello *****, Thank you for providing your feedback. We want to apologize for any unmet expectations. We have confirmed the letter you received was dated November 7th, 2022. However, it is in reference to your credit being checked on March 10, 2022. We apologize for the denial letter that was sent so many months later. If you would like to provide more information, please contact us at your earliest convenience at ************ or [email protected]. Thank you - Lower.com *************

• Review fromBrad M

  Date: 11/10/2022

  5 stars
  *********************** is a rockstar. Explained everything at each step. She worked hard to get my loan done, and in time. Will use her again to refinance

• Review fromHaley W

  Date: 10/28/2022

  5 stars
  As a real estate paralegal, Lower is always a pleasure to work with. They are always on top of everything with stellar customer service. If you have a question, they respond right away. They are professional, they close loans and they close them on time. *********************** and her team are at the top of their game and working with them is a breath of fresh air.